BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
A few months ago, I decided to look through my credit reports as I am getting ready to buy a home in the next year and when I opened my credit reports, I immediately noticed several accounts in derogatory status and I knew right away my identity was compromised and someone had opened fraudulent accounts under my name and social security number. One of those accounts was a Bank of America credit card showing a balance of {$520.00} closed on XX/XX/2021. Over the last four years, I've only opened two XXXX XXXX credit cards and one XXXX XXXX account along with an auto loan that is now closed. I did not authorize the opening of this account, I was not aware of this credit card, nor did I ever explore a credit card with Bank of America. I tried contacting the credit bureaus and they will not do anything to help remove this from my reports. I asked for wet-ink signature, original contract, payments, transaction history, any and all correspondence sent from Bank of America XXXX I never received emails regarding the credit inquiry on my file ( which was not done by me ). This is violating several FCRA laws and needs to be removed by the credit bureaus with or without the assistance from BOFA. I have asked for multiple pieces of information only to verify the account and never send anything. This clearly violates the FCRA and the FDCPA acts multiple times and needs to be removed from my credit reports immediately. What Bank of America has done is illegal and should be fined for breaking multiple FCRA laws and reporting regulations.

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: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a collections on my account from XXXX  this collection was with XXXX and was found not to be mine and was taken off my credit report once addressed. I recieved a email notifying me it was removed from my credit report. It was resold to waypoint, and put back on my credit report and is now holding me back from certain opportunities.

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 2023-09-21
Company: ENOVA INTERNATIONAL, INC.
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I got a line of credit in XXXX of XXXX, and they were drafting XXXX out of my checks bi-weekly. I was moving from XXXX, back to XXXX  and was going to file bankruptcy because I was struggling ran into medical issues and contacted net credit that I was going to file. I contacted noncredit because I have gotten back into a better financial situation and not filing, they told me the balance was {$3700.00}, and that I would still owe {$5400.00} and i asked how I only borrowed {$3000.00}, and I would like to take care of the XXXX they said if i didn't pay the full XXXX each month they would still report to credit bureau in default. I told her I would have to see if I could find research on this predatory lending, high interest rates, and lack of offering a way to resolve the debt to help me. I called back, I emailed it takes forever to contact them. I got, an email finally telling me they closed my loan so only options are to pay the balance of {$5400.00} or to make XXXX installments of {$50.00} until XXXX so for XXXX years they are going to impact my credit, and take my money. How is this helping?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX. 2023 debt in the amount of XXXX showed up on my credit report without any prior notification via mail. I have no knowledge of any debt I owe. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. If additional information is needed please contact me by email or phone. 
AMSHER COLLECTION SERVICES INC XXXX XXXX XXXX, XXXX, AL XXXX Credit agency effected XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid 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 am filing a complaint due to a bait and switch ( the action ( generally illegal ) of advertising goods which are an apparent bargain, with the intention of honoring ) for the XXXX XXXX XXXX promotion by AmericanExpress that offers : Spend {$300.00} or more, get {$60.00} back. This promotion runs from XX/XX/2022, to XX/XX/2022. The terms and conditions state : spend a minimum of {$300.00} USD in one or more purchases on room rate and room chargesand receive a {$60.00} statement credit. 

On XX/XX/2022, purchases {$700.00} for a XXXX for room charges, but the promotional amount of {$60.00} credit has not been placed on my credit card statement. On XX/XX/2022 about XXXX XXXX  XXXX time, I called American Express customer service and spoke with XXXX ( agent number XXXX ) and inquired why the promotion was not honored. 

I asked the American Express customer service agent to send the reason why this promotion would not be honored. XXXX made the following statements : -The charge was for lodging at XXXX and not for a Room Charge so it can not be honored.

-American Express does not have a way to send the reason why this promotion will not be honored in writing to you. Let me read the terms and conditions to you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NV
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 called the 3 credit bureaus after I purchased a credit report with XXXX and XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXXXXXX XXXX Balance {$870.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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  # XXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX XXXX XXXX # XXXX. 
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 : 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. 15 U.S. Code 1681 to ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2021-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I mailed a letter to Experian XX/XX/2021 disputing innacuracies of multiple names, mispelling of names, and addresses that does not belong to me on my Experian credit reporting. There is also a fraud alert placed that seems to never stay on my credit. It has been over 30 days and i still not have recieved a response.

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 2022-07-26
Company: SYNCHRONY FINANCIAL
State: NY
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:
Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX SYNCB/XXXX ( Bank ) XX/XX/XXXX 2022

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

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 Transunion 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 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 non-monetary relief
Consumer complaint received 2022-07-26
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: Personal information incorrect

Complaint:
I reached out to the credit bureau 's ( XXXX, XXXX, and Equifax ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Diversified Consultants, Inc.
State: CA
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 had moved to over seas on XX/XX/2015 permanantly but had noticed someone stole my information and screwed my credit.I was in CA for short period of time and I think my room mate had my information and used my info. 
This is not mine Diversified Consultant Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capitol Systems keeps calling about a Debt. 
I do not owe them or any other debt that is not secured and current. XXXX XXXX XXXX

I have perfect Credit, yet this company keeps calling my Cell and wife 's Cell, both registered on the Do Not Call since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions 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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: MS
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2023-03-23
Company: W&A Intermediate Co., LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2023 Wakefield And Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to your company. I am requesting that you provide me with all legal documents that prove the validity of the debt in question. 

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. 

Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Wakefield And Associates provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
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 status incorrect

Complaint:
I had a bank account with bank XXXX XXXX years ago. I ended up over drafting my account I asked questions about my credit ect I was told if I pay the balance I wouldn't be reported to any agency there would be no penalties but the account would be closed. I paid using all the money I had. When XXXX hit i tried to get a loan, i tried to open an account with a credit union i tried to get assistance i tried to go into business for myself all failed due to account becoming marked as closed for fraud in chexsystem even though it was closed due to over draft and bank XXXX XXXX kept transferring me around for hours my phone log will show i have called bank XXXX XXXX and check systems for years and spent hours and called daily trying to get it corrected or removed I specifically asked in my dispute for proof in writing I did not receive that and chex system wont remove it bank XXXX XXXX said chex system houses it and would need to dispute it and i have I read the fcra and it states that inaccurate information must be removed and it is inaccurate but they will not remove it and it is causing a delay in my financial life as well as costing me to lose XXXX XXXX XXXX they keep saying there is nothing they can do about it. I have requested them to send me a explanation in writing how this is accurate and they declined. This was a over drawn account that is paid off not closed for fraud and chex systems told me they dont actually investigate it they just upload what is sent and stated bank XXXX XXXX did not send the proof i requested in writing but still did not remove it as they broke regulations i have the right to ask for proof of what is being reported and it has been years the last dispute has been about 60 days still no proof in writing from either and chex systems still hasnt deleted it they are reporting lies and it is unethical and im finding alot of issues with how i am being treated. Please help be get this removed as I would hate to waste any more years my family and i are suffering over their lies.

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