BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
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. 

Account name : XXXX XXXX XXXXXXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # 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 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 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 2023-04-11
Company: HF Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HF HOLDINGS , INC. is reporting a collection account in the amount of {$6500.00} on my credit report. Not only have I not signed a contract to do business with this company, but they have failed to send me a validation of debt notice showing that I am legally required to pay them, which is a direct violation of the FDCPA. This means that they owe me {$1000.00}. I will be sending an invoice to collect payment, as well as a certified letter containing the above stated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a victim of cybertheft. as the consumer i sent over conditional acceptance i never received written correspondence as i requested, which is violation under the ( FCRA ).

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 2023-07-06
Company: Central Portfolio Control Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid under the agreement that the balance would be reported paid on time, in full, as agreed, and completely removed from collections. And to reflect as a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: GA
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 a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX Balance : {$11000.00}

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 2022-09-15
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:
I was denied access to my bank funds and I received treatment that I believe to be discriminatory. On XX/XX/22, I went to the same Bank of America Branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on two different occasions. The first occasion was to get two rolls of quarters to wash clothes. I was waited on by XXXX XXXX. I was informed that I can only receive one roll of quarters. The excuse I was given was the coin shortage. I shared information from the FDIC that there was no longer a coin shortage. I also requested the written policy and protocol on receiving rolls of quarters. I was told there wasn't a formal policy and I was given the option by XXXX to either receive the one roll of quarters or to withdraw all the money from my bank account. 

I waited and spoke to the Branch Manager ( XXXX XXXX XXXX ) to no avail. I took the roll of quarters and left. I needed additional quarters to wash my clothes, so I returned to the bank later that day. I made a request to withdrawal {$950.00} ( waited on by XXXX XXXX XXXX ). XXXX processed the withdrawal ( withdrawal slip attached- please note that when I requested the slip XXXX XXXX it out before giving it to me ), but when I requested to receive the amount in quarters, he refused to give me the funds and reversed the transaction. 

I feel it's unjust under Availability of Funds and Collection of Check ( Regulation CC ) [ Federal Reserve Board ] for Bank of America to process my withdrawal for {$9.00} and refuse to give me the funds because of the legal tender that I want it distributed in. The {$9.00} withdrawal was not a roll of quarters. Under the direction of the Federal Reserve Board, I believe a consumer should have the right to access their available bank funds. 

I felt their actions on both occasions were discriminatory based upon the fact that I'm XXXX XXXX and several of my XXXX and XXXX neighbors ( who also need quarters to wash their clothes ) received more than one roll of quarters from this branch. In addition, XXXX stated the branch must follow rules ; however, according to the branch rules, the branch closes at XXXX XXXX. XXXX, XXXX, and XXXX disregarded this bank rule and allowed XXXX XXXX customers to enter the bank after hours ( one around XXXX XXXX and one around XXXX XXXX ) to process their request. 

When I expressed my concerns of discrimination to XXXX ( the fact that the " branch rules '' were not being enforce equitably between XXXX  and how my XXXX XXXX XXXX neighbors received more than XXXX roll of quarters on several occasions ), XXXX gave my the additional roll of quarters ( after two trips and about an hour of waiting ). However, XXXX told me not to return to the 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 2021-05-05
Company: GOLDMAN SACHS BANK USA
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:
Goldman Sachs, Apple Card restricted my account usage, after speaking and confirming the charges were mine they removed the restrictions. After they removed the restriction I made a payment to be able to use the card again. Right after I made a payment, they restricted my account again. I called customer service and asked them why they did it the second time. I was told that they needed a TAX FORM 4506 T to be signed by me so they could review and remove the hold off the account. Since the account was restricted I asked for the payment to be cancelled so I could make a minimum payment. CC assured me that the payment was disputed and that I would get a check back shortly. I signed the for and sent it back to them but my account was under review permanently, so I asked for the payment, and each time I was lied to that the payment will be refunded shortly, another agent told me that it will not be refunded till after the review was completed. So every time I called I got a different answer at all the levels possible that I could speak to. 
The customer service is not relevant and one can never get an answer from them, just stories made up to their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Been a victim of cybertheft which is unlawful under FCRA

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 2023-07-06
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I HAVE BEEN TRYING TO GET THIS COMPANY TO REMOVE THIS INACCURATE INFORMATION THEY ARE REPORTING ON MY CONSUMER REPORT I HAVE REACHED OUT TO THE CREDIT BUREAUS, THEY ARE TELLING ME TO CONTACT THE COMPANY ITSELF I HAVE DID THAT THEY KEEP TELLING ME ITS THE REPORTING AGENCY THATS DOING THAT NOT THEM. THIS COMPANY IS REPORTING TWICE ON MY. CONSUMER REPORT THE DEBT WAS PAID BY THE IRS AND THE COLLECTING AGENCY. FROM THE ORIGINAL CREDITOR I NEVER RECEIVED A 1099C FORM FOR ORDINARY INCOME ( CANCELLATION OF DEBT FORM ). THIS IS. CLEARLY A VIOLATION. OF 15 USC SECTION 1681EB. ALSO YOU KEEP UPDATING THIS AS IF ITS A NEW ACCOUNT. ALSO 15 USC CODE 1681S-2 ( A ) ( 1 ) ( A ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER OR ANY CONSUMER REPORTING AGENCIES THEY ARE REPORTING INCORRECT INFORMATION. IRS DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Essential Lending Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
Wise Loans has been reporting themselves as essential lending on my credit report and fraudulently taking money from my bank account to which I had to dispute in XXXX of XXXX and again in XXXX of XXXX. They also have reported 3 different balances on my credit reports so none of the information is accurate. I have disputed this multiple times. 

Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX, EXPERIAN and XXXX are CREDIT REPORTING AGENCIES and continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX, EXPERIAN and XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX, EXPERIAN and XXXX to report any information and Consumer did not authorize anyone employed at XXXX, EXPERIAN and XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX, EXPERIAN and XXXX and have been railroaded by XXXX, EXPERIAN and XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX, EXPERIAN and XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX, EXPERIAN and XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX, EXPERIAN and XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00} XXXX XXXX Date Opened : {$840.00}

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 non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2018-05-25
Company: ZARVAD III S.A.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a loan from mypaydayloan and was doing a good job keeping up my payments, although their a.p.r is higher than the 36 % Indiana law mandates.. But I fell on some financial issues. It was difficult to pay them back and I let them know this through emails. They were actually paid back the principal and significant amount of interest accrued. My phone was off at a point. They stated they were trying to reach me. They stated they through email, as well. When I did look at my emails, that's when I responded about my issue. 

Unfortunately, now the claim is with XXXX, a 3rd party and I have been paying them for this debt, that is up to over {$1000.00}, when I borrowed {$200.00}. They stated they are going to take the claim to court if I do not pay. And I can't afford that. So I pay them. Can they charge me this much, rightfully?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-06-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$28000.00}, XXXX  XXXX XXXX Balance : {$3500.00}

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 2022-09-16
Company: Experian Information Solutions Inc.
State: MN
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:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$5000.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2400.00}

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 non-monetary relief