BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/20 I had notified all 3 credit bureaus that I have been a victim of identity theft. Provided them with a Police report and a detailed account of what was not mine on my credit report. XXXX and XXXX had done a proper investigation and removed the accounts. Equifax has yet too. I then sent a follow up letter on XX/XX/20 and XX/XX/20 regarding a XXXX XXXX Account XXXX that I never had. They won't remove this account from my credit report and I've provided them the proper and necessary information they would need to remove this specific account. This account is hurting my credit score beyond belief. I've been denied credit because of it and just want them to do their job and remove this account just like the other 2 bureaus have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Financial management solutions did a hard inquiry on my Credit report several of times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently noticed some inaccuracies on my credit report and I tried to dispute them with the credit agency EXPERIAN.

I have disputed these items before and they came back verified. Which I disagree with because the other credit bureaus are not reporting the same information or not at all which means it is not 100 % accurate.

I sent in a 2nd dispute asking for proof and method of verification. EXPERIAN sent back a generic automated response for all disputes.

This is really frustrating as I am trying to build my credit and purchase a home and these inaccuracies and negligence from EXPERIAN are holding me back.

Attached is a copy of EXPERIANS response for my request of verification method. It is the same response for each dispute. 
Also attached is my certified mail tracking numbers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a credit card with XXXX Account. 

Synchrony Bank is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Synchrony Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am in disagreement with the information you allow XXXX to report on my credit file which is incorrect, even after your investigation about multiple dispute of incorrect information being reported. XXXX has proceeded to change the entire account status from charge off/ sold to a REPO back to charge off/ sold. To adding payments that was never made to removing payments one by one when disputed each and every time certifying each time the information was correct XXXX was submitting when in fact it was not correct and we know this to be true by the number of times XXXX has changed the account infomation over the pass years reporting incorrect information is a FCRA voilation. I have provide documents that I obtain from XXXX XXXX reporting to EQUIFAX proving how XXXX has repeatedly certified false information to cause me addtional finical hardship. Such action you EQUIFAX has allowed XXXX to do so because they are paying for your reporting service. According to FCRA you Equifax have a duty to verify all information submitted to you before placing it on a consumer credit report and in this case you have failed to do so and I am demanding that Equifax remove XXXX account from my credit file at once for Equifax failure to verify the information submitted to you. 

furthermore XXXX is now `reporting my last payment was XX/XX/2019 and amount paid {$0.00} when in fact my last payment was on XX/XX/2019 in the amount of {$43.00} another error made after XXXX corrections also after the account was c/o and sold XXXX reported additional 15 payment made which is false after it was supposedly sold payment that never happed but yet still refuse to delete account after serval correction so now my question how many chances does one get. 
Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I filed my disputes XXXXwith Transunion and they have failed to investigate my credit report under 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX  ) ( XXXX  ) and others who furnish third party disputes free of charge, etc.

Also Transunion is sharing my personal data with 3rd parties such as XXXX XXXX without my knowledge or consent No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I previously reported that these inquiries are not mine, but they remain on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company is reporting information without authorization from the consumer to be shared with 3rd parties and is protected by the privacy act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENF AG/N XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: U.S. BANCORP
State: OR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX attempted to used the card gifted to us XX/XX/XXXX - came up saying it was not authorized. 

XX/XX/XXXX called to the XXXX customer service number on the back. spoke to several people, refused to send to supervisor, after being asked. one person did attempt to help, and he was the one who advised me the card is registered to someone else and he was sorry. he didn't know how that could happen and the process to dispute. i went to the website, where I wasn't able to begin the process, it said the card was not valid and to call the XXXX number on the back of the card. 

I called for the last time XXXX call and demanded a supervisor who then told me that i couldn't use the website to put in the information to start the process to have this situation rectified, but that i had to... fax my ID now, the card front and back and the receipt ( which i have to call the gifter for, who will have to go back to XXXX XXXX to work with management there to obtain a copy, and the once this is all in ... they will in 30 days or so mail an updated card with the funds reissued. 

I was a total XXXX on the last two calls I made there. I am beyond irritated. Try telling a 5 and 10 yr old that the gift card that has their vacation spending money is not available for them for over 30+ days now when we won't be on vacation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A notice of cease and desist, as well as certified proof of contract was sent to Sequium Asset Solutions , LLC on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me every day a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is my loan servicer. I have federal loans from XXXX that were converted into FFELP loans with Navient. Although I work in higher education, and therefore am eligible for both the one-time {$10000.00} relief and the Public Service Loan Forgiveness program , Navient both threatened debt collections to continue collecting loan payments during the federal moratorium on loan payments and failed to ask or inform me if I work in a PSLF field when they uniformly told me my loan was not eligible for the one-time Biden forgiveness plan.

In fact, because I work in a PSLF field, my loan is eligible. Navient therefore lied to me about my eligibility in the federal program in order to continue receiving payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I deposited a government check into the atm. Unfortunately I was told the check would be held for 12 days..until XX/XX/19. The explanation given was that BOA has been experiencing fraud lately. I dont have a history of returned checks on this account. I dont write checks on this account at all. Im getting the run around about the check being posted and customer service is unavailable bia telephone. This is a disgrace. I have 4 other bank accounts and this is the worst. I will be closing my account once this check clears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/22, the XXXX XXXX Amex card had its {$300.00} annual XXXX purchase credit structure changed from {$300.00} issued as a statement credit against XXXX purchases made annually on the card to a new structure of $ XXXX credited against dining purchases. 

ON XX/XX/22, I called Amex 's customer service to inquire about my remaining annual balance before it expired. While I was told the remainder was {$260.00} or so, I was also told by the rep that all unused credit would be issued out to customers as a statement credit so that customers would not feel wronged or angry with the new transition. With this information, I took no action to make a XXXX purchase to use my credit before it expired. 

On XX/XX/22, I called Amex 's customer service to ask about the statement credit promised as there had been no activity on the account. Unfortunately, while the XXXX told me about the new dining credit structure and confirmed I only used about {$34.00} of the old credit, I was given wrong information and that there would be no statement credit forthcoming. 

I then expressed my dissatisfaction and frustration borne of not using my credit based on the information that the XXXX gave me on XXXX. Accordingly, she opened case XXXX with Amex and XXXX am doing the same with CFPB. 

I was given false/misleading information about the XXXX annual credit benefit that expired and because of this, I was unable to take advantage of it. I was and am expecting the remaining {$260.00} or so as a statement credit on my XXXX card as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX  XXXX XXXX and had spoken with a supervisor today. The supervisor was very helpful. And she also gave me detailed info about communication attempts for an income Affidavit sent. I both mailed and faxed over proof of income. I also sent over assistance proof for supplemental food payments, housing assistance, and energy Bill assistance via mail and fax. I called after I noticed that XXXX XXXX XXXX was reporting XXXX behind when I never committed to a payment due to employment not being gainful due to failed attempts to contacting me. The email and number on file were not active and/or able to be accessed. I appreciate the clarification of information from the supervisor on todays call, I was just taken aback when she notified me of a letter I never received communicating that I will have to pay the balance in full. I never received it to the address on file. I still currently live at the same address. Full payments always evokes a sense of urgency in me. So, I know I never received the letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian continues to report XXXX XXXX XXXX on my credit report. This account is fraudulent and is continuously reporting the inaccurate information regarding the amounts that is owed. I monitor my credit report and they have listed the debt being owed as {$13000.00} then to {$16000.00}, then it changed as of XX/XX/2016 as the amount owed as {$25000.00}. The fraudulent charged off account keeps adding on fraudulent charges to an account that is closed! This account is not being verified correctly because the account information is fraudulent, the amounts are fraudulent! This is illegally!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The car dealerships shopped my credit around without my permission. The credit bureaus are reporting false information and it's hurting my chances of attaining lines of credit. I did not authorize any of the accounts. I did not give anyone the okay to use my information to attain credit. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt 15 U.S.C 1692B : Acquisition of location information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I mailed out dispute to Equifax, XXXX and XXXX about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Revolut Technologies Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Company sends out marketing emails and other communication without an ability to unsubscribe. I have tried to unsubscribe and can not. 

remove XXXX XXXX

Company response to consumer: Closed with explanation