BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NC
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Convergent Resources, Inc.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Convergent stating they were willing to settle a debt for {$300.00}. XXXX from XXXX XXXX XXXX  XXXX. I have never had an account with XXXX and double checked my credit report to ensure there were no new accounts opened in my name. The original balance supposedly owed is {$880.00}.

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 2023-10-19
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an email on XX/XX/XXXX  stating I would receive a {$100.00} cash back bonus if I added a joint user to my XXXXXXXX XXXX XXXX issued by Barclays if the user spent {$100.00} within the first 30 days. I completed the requirements and never received the cash back bonus. 

I have attempted to contact Barclays but their IVR system only gives generic information and hangs up without transferring to an agent. The one time I was able to get into the holding queue I was on hold for 10 minutes before the call disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Possible Financial Inc
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was out of work for 3 months due to being diagnosed with a XXXX XXXX. I wasnt getting paid and couldnt pay any bills. My account got behind. Im trying to pay on it now with a debit card. Im not able to add through the online app. There is no phone number to reach anyone. Ive sent multiple emails. They have reported this negative in my credit report as a charge off but I am trying to pay it. I dont want to use the checking account on file

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: CA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX XXXX Account XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # 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 2022-06-09
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and account # XXXX, has violated my rights. 

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

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 2023-10-19
Company: Buffalo Auto Acceptance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XX/XX/2023 Buffalo Auto Acceptance XXXX XXXX XXXX XXXX XXXX, XXXX, New York, XXXX, United States Subject : Notice of Consumer Rights and Creditor Responsibilities Regarding Rescission and Security Interests To : Buffalo Auto Acceptance/whom may concern I am writing to bring to your attention the rights afforded to consumers and the corresponding responsibilities of creditors regarding rescission and security interests, as outlined by the Code of Federal Regulations ( CFR ) 1026.23 ( d ) ( 1 ) and 1026.23 ( d ) ( 2 ). It is important that both parties are aware of these legal obligations to ensure a fair and transparent resolution. 

According to CFR 1026.23 ( d ) ( 1 ), when a consumer exercises their right of rescission, any security interest associated with the transaction becomes void. This means that your claim or interest in my property, which was established through our credit transaction, is automatically negated. The status of the security interest, whether it was recorded or perfected, is irrelevant to the voiding of the security interest. 

Furthermore, CFR 1026.23 ( d ) ( 2 ) mandates that as the creditor, you are responsible for taking all necessary actions to reflect the termination of the security interest. Even though the security interest is void, it is imperative that you update any relevant documentation or records to accurately indicate the termination of the security interest. This step is crucial to avoid any confusion or potential disputes in the future regarding the existence of the security interest. 

Additionally, I would like to draw your attention to CFR 1026.23 ( d ) ( 2 ) pertaining to the refund of amounts not refundable to the consumer and the reflection of the termination of security interests held by subcontractors or suppliers. It is essential that you act promptly to terminate the security interests held by those subcontractors or suppliers as well. This ensures that I, as the consumer, am no longer encumbered by any security interests related to the credit transaction. 

I kindly request that you comply with the aforementioned regulations and take immediate action to fulfill your responsibilities as outlined by the Consumer Financial Protection Bureau ( CFPB ). This will not only safeguard my rights as a consumer but also contribute to maintaining a fair and transparent credit relationship between us. 

I expect your prompt attention to this matter and a written confirmation detailing the actions taken to comply with the requirements of CFR 1026.23 ( d ) ( 1 ) and 1026.23 ( d ) ( 2 ). 

Thank you for your cooperation in this matter. I look forward to a prompt resolution. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
improper use of credit. inquiries were pulled without my authorization

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 2023-10-03
Company: EQUIFAX, INC.
State: MI
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.

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 explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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 ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: PA
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 never gave Experian my written consent to publish my private information onto their website. They have violated my consumer rights Pursuant to 15 U.S code 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I demand all accounts thats in the dispute letter be deleted or i will seek litigation due to the stress these negative reporting accounts has caused me.

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 2020-02-24
Company: STEWARD FINANCIAL SERVICES LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I contacted Steward Financial on XX/XX/XXXX and spoke to representative XXXX regarding me requesting for a voluntary repossession of the XXXX XXXX XXXX at this time she advised me that her Supervisor would contact me. As of today no one has contacted me back. On XX/XX/XXXX I called again and spoke to representative XXXX. She advised me the supervisor XXXX was not in. I then asked for another supervisor. She informed me she ( XXXX ) was at lunch. I have requested effective XX/XX/XXXX to come pick up the vehicle immediately. I will be having XXXX and would like this handled before hand. I am requesting for an Administrator to contact me back at this point and the vehicle to be remove from my property immediately. On XX/XX/XXXX I received a phone call from XXXX XXXX stating they had did an internal analysis and stated it would not be cost efficient for them to pick up the vehicle. I requested for this statement to be put in writing and sent to me at this time he reported that he wouldnt be able to do this. At this point I ask what is going to happen to the vehicle since I requested for a voluntary surrender. He advised me it would be my responsibility since I am the owner of the car. I am no longer making payments on the vehicle and requested for the vehicle to be surrendered to the finance company. I also asked who was going to be paying for storage since the vehicle will be left on my property where I will jot have any responsibility for it- again he stated I was responsible. I was denied information for the recorded conversation as well as the CEO of the company.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX XXXX  at XXXX on XX/XX/XXXX to discuss a voicemail that they had left on my cell number. I was asking the rep for information on the debt and the original company stating that I owed the debt. The rep stated that they had mailed certified docs which they did not and were never received by or I would have reached out to dispute the debt sooner. I asked for formal documentation and the rep became angry and combative. He provided an original debt date of XXXX and I informed him that I had not acquired any credit from BOA in XXXX and that this matter needed further research. The rep began raising his voice and disconnected the call.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Accounts : XXXX XXXX , Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # 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 explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NJ
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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC complaint and Police report which I filed on my local Police Department. I am in desperate need of this item to be INSPECTED and REMOVED. 


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 explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

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 explanation
Consumer complaint received 2023-05-30
Company: SYNCHRONY FINANCIAL
State: SC
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:
There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XX/XX/2023 and also from SyncXXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.

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 2021-09-30
Company: EQUIFAX, INC.
State: GA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days that I haven't received any results regarding the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Caliber Home Loans, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Reached out to Caliber Home Loans about amending the credit reporting to our XXXX accounts. They informed us to call XXXX. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from Caliber stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted account.

Company response to consumer: Closed with explanation