BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a checking account at B of A. I was told there was an issue and was given the XXXX information to order a report. When the report came - there was no reported information, no inquiries no retail info - nothing that would prohibit me from opening a checking account.

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 2018-05-03
Company: Experian Information Solutions Inc.
State: OH
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:
Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXXXXXX XXXX is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. Experian should know better. 

Per Experians own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.

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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look and remove finally this item because I am victim of Identity theft and only Transunion brought this account to my credit report. I can not understand why the only one Bureau Transunion reporting misleading information. I ask you to make investigation and protect me for having this kind of situations again. Why Do I need fight with you guys in order to have credit report with my accounts and without any mistakes? Why its so complicated? Its very important nowadays and I am very sad when I see errors in reporting and that Transunion doe snot pay attention to this.

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 2023-04-10
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 the same account 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6100.00}

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 2021-04-15
Company: AmeriHome Mortgage Company, LLC
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: Account status incorrect

Complaint:
I lost my job at the onset of Covid 19 pandemic back in XX/XX/2020, I was unable to afford to pay mortgage. I had called Amerihome several times to try to get on a forbearance plan from about XX/XX/XXXX, XXXX when I was finally able to get through to a live person in XX/XX/2020. Id call several times a day at different times but was not successful for a few weeks. I was finally able to get FHA loan on forbearance plan but had become 30 days late on payment during this time. Amerihome continues to report 30 days late and it is making my credit score tank horrendously. I have asked several times if they could work with me as it was out of my hands but without resolve. 

There have been many representatives since then that have said it should be removed but when I try to dispute it comes back as correct. 

I called CFPB and rep said I should file a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: NY
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 out this request in XXXX of 2021 and still, my personal information hasnt been corrected to reflect my current address, name, and phone number. 

As a victim of identity theft, I do not want any incorrect information on my credit report that could potentially increase the risk of scammers obtaining credit in my name. 

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

and also in 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. I have not given any of the agencies/companies or credit reporting bureaus my written consent to furnish and or sell my personal information to a third party or credit reporting agency.

Thus, Per the Fair Credit Reporting act, The Right to Privacy and Permissible purposes of consumer reports, Experian, XXXX, and XXXX have violated my rights. According to 15 U.S. Code 1681c. Section 5 - Requirements relating to information contained in consumer reports, states that any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Kindly ask for the second time that inaccurate information, including the accounts associated with the addresses or phone numbers listed below, be deleted immediately from my credit report. 

Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, NY XXXX Inaccurate Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Spouse or Co-Applicant : Agot Accounts Furnished without my written consent : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : 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 2019-08-05
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: Their investigation did not fix an error on your report

Complaint:
I have send numerous letters to Equifax to delete errors on my credit report, no matter how many letters i send, they dont fix anything, i send all letter with a copy of my driver license, social security card and they send a letter saying i must send those docuemnts, i am tared of their irresponsibility and lack of care showing teh following errors : XXXX XXXX  XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl reported XX/XX/XXXX Never lived at any of this address and must be removed consumer statement Fraudulent application may be submitted or my identity may have been used without my consent to Fraudulent ontain goods or services do not extend credit with out first verifying the identity of teh applicant this security alerts will be maintain for 1 year begging XX/XX/XXXX XXXX Inquires XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX none authorized by me..no documentation that proves i did them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
xoom refuses to allow me to make legal/lawful transactions due to reasons they state are for the security of my account. yet they can not disclose the reasons for restricting my account and the denial of service. they say they have an authentication issue but i have stated i have all the verification documents necessary such as id, and bank statements. they still refuse to even communicate, even to the extreme degree of blocking correspondence, blocking phone calls, and when i do happen to get someone on the phone, they place me on hold for hours then intentionally hang up on me. i wish to claim discrimination and unfair business practice. i have done nothing to deserve this kind of treatment and have these restrictions placed. for whatever reason they refuse to inform me of, i believe i have grounds for a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dear Sir/Madam, I am a retired XXXX year old U.S. Military Veteran who has a XXXX XXXX. Today, XX/XX/XXXX, I found out through my bank XXXX XXXX that my FICO credit score has plummeted 52 points down to XXXX from my previous month of XXXX score of XXXX. I immediately went to XXXXXXXX where i have a free account in order to find out what happened to my excellent credit. I found out that there is a report of Late Payment from THE SWISS COLONY,  an online food store. I've had an account with them since my first order dated XX/XX/XXXX. Since then, I've been a good loyal customer and I've ordered many of their products every year until this XX/XX/XXXX. I still have all the copies of my annual orders from this company in my email folder. On XX/XX/XXXX I received a letter from this company, dated XXXX XXXX, XXXX, that my " account is past due and please pay {$10.00} immediately to bring account current ''. I felt very badly embarrassed and ashamed of myself for forgetting to pay this bill and I immediately went online and paid the total blance of {$54.00} which was the total amount balance shown online. The letter they sent me differed a little bit because it showed Account Balance {$43.00} plus Past Due Amount {$10.00}.

About 3 - 4 days later I received another bill which showed that the due date was XX/XX/XXXX. I've already paid the total balance as I mentioned on XX/XX/XXXX. 
My complaint is that this conmpany did not honor their payment due date XX/XX/XXXX as shown on their bill/invoice. As i mentioned, I paid the entire balance XX/XX/XXXX. They didn't even give me the courtesy of notifying me that they will report me to the credit bureaus. Now, I have a Late Payment report in my credit report which stays for 7 years. 
I worked very hard over many years to have an excellent credit record. I pay all my bills on time and I have records to prove this. Please help me to be able to recover my excellent credit record. I would like to pass from this life without the stigma of Late Payment which will remain in my credit report for 7 years. 

Sincerely yours, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Veteran, Retired P.S.

I have attached relevant documents including my email letter to The Swiss Colony Company dated XX/XX/XXXX in which I apologize for a late payment and asking for help to set up an automatic payment from my bank XXXX XXXX or my XXXX XXXX credit card because of my memory problem as a proof of my good intentions. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, 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 am m submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX Balance - XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: DISCOVER BANK
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sent a foreign check in the amount of XXXX Euros to my Discover Bank checking account after confirming multiple times in multiple instances that they were able to provide such a service. I was told from the very beginning that the check would take 6-8 weeks upon receipt to clear and deposit. I was also told after I signed up for my checking account that foreign checks were sent to another bank for processing. Didn't seem like a problem at the time so I sent the check to address Discover Bank provided me with and they sent me a letter confirming that they have received on XX/XX/2018. Today is XX/XX/2018, way past the 8th week mark, and I have yet to see a change in my account balance. I've spoken with numerous customer service representatives, including 4 supervisors/tier-2 representatives, who have given me different vague and 'customer-friendly ' versions of " we have no idea where this check went ''. I've been told they have started an investigation and are researching into the issue for the past month and there's still no real status update other than we're investigating into the matter. I have spent an unreasonable amount of time and energy contacting Discover. In addition, it sets a standard of distrust ( whether by incompetency of malice ) that these supervisors set up callback appointments and then receiving no phone call, nor any response, at the times promised. Due to the service I've received from this institution I foresee no restitution or acknowledgment of incompetency and failure on Discover 's part to provide with the service I've agreed to enroll for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: IL
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:
Today, I am writing this complaint to JPMCB CARD regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 dont have any credit because I came recently to the country so I am trying to build my credit but I didnt have any idea how to improve my credit of building so I started to learning about it and then I realize that I can check my credit report but when I saw it, I had like 33 inquiries and I dont recognize most of them and I dont really know what happened. I think that someone is using my Social Security to apply to different credit cards but as I dont have any credit history, they couldnt be approved and now that I want to apply to some credit cards they couldnt be approved because I have too many inquiries I already locked my credit file because I dont know if that person is gon na be able to continue requesting credit card so were trying to open accounts under my name. I just recognize the one from my car when I did when I came with XXXX XXXX XXXXXXXX and 2 secure credit card I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
Can you assist me in getting Equifax to unblock my scores and report? I have been trying to get this is resolve for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 
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 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 explanation
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a problem with Synchrony Bank concerning over charging me with recurring charges. They attempted to correct the recurring charges after I submitted a complaint to OCC but they changed my credit limit from {$5000.00} to {$250.00} and then had a rep give me a phony URL address which locked my computer and my identity were stolen with my old card. They told me my old card was suspended and all charges on the card was suspended as well. They issued me a new card with a new ending and my limit was back to {$5000.00} when I called to inquire about all those charges popping up on my Bill Pay from XXXX XXXX XXXX the issuer coming from Synchrony Bank. I find out about all these recurring charges and the rep telling me I owed {$50.00} I said for what? Everything from the old card was suspended after my computer was locked after the phony URL given to me by your rep ; then, she said it is a billing dispute and I said when are you going to straighten the issue out. Plus contact XXXX XXXX XXXXXXXX where's my Bill Pay and all these statements coming up. I donot understand where they are coming from and at first I was paying them but not anymore. YOU ARE just adding interest and late fees. When, I hung up. Synchrony Bank sent me a statement they changed my credit limit again from {$5000.00} to {$250.00} and I reported everything to OCC then OCC sent me a letter to report everything to you without letting me know which of these case numbers generated was Synchrony Banks. I have three case numbers : 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 monetary relief
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: NY
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:
I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX  Account NumberXXXX  Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX 2024 I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.

Company response to consumer: Closed with explanation