BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I found a lot of discrepancies on my credit report from Experian and i have right to privacy under 15 USC 1681. Experian did provide an original contract with my name, address, phone number and signature for this account. Experian did not provide a breakdown of billing and payment history for this account. Experian did not show that the creditor have right to collect this debt. 

I demand the account listed below be remove from my credit because Acounding to 15 USC 1681 i did not give Experian permission to furnish this information ACCOUNT # 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 2022-12-06
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: NE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian & XXXX NEVER Did Proper Investigation according to the FCRA Into the Identity Theft On Accounts with XXXX XXXX XXXX Everything about this account is Inaccurate Dates, Balance down to the status of the account The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this.

Because if they are getting verified information from the same SOURCE why is the information on both Credit Bureaus Inconsistent with whats being reported on my report Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!!

The credit bureaus stated this account was properly investigated but how if I am a victim of IDENTITY Theft They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer reporting agency can not furnish an account without my written instruction. I have not giving anyone permission to furnish any information regarding this mattEr

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 2022-11-14
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been charged ( {$110.00} ) twice for the stay by XXXX XXXX  XXXX XXXX for the stay ( XXXX - XXXX ). When i checked with the hotel they told me that they have refunded the charged which they have done on XXXX XXXX and shared the statement with me.When i called the XXXX XXXX credit card ( synchrony bank ) department they told me that they will raise a dispute and this amount will not be charged to me until this issue is resolved. 
But i have been charged twice with XXXX as a part of last month 's statement. When i talked to the customer service executive and give the refund transaction Number to him, he informed me that they have received this amound from the hotel guys. But still it will take XXXX days for this issue to resolve. 

Even though they have got the credit back from hotel they have charged me with XXXX dollars, and they want me to wait for XXXX days to get back my money. 
I would like to raise a complaint against synchrony bank for the above deed.

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 2023-06-20
Company: EQUIFAX, INC.
State: NV
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 have submitted police report, FTC report and still have no luck with getting removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account number : XXXX and, Account number : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TX
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 XXXX account XXXX XXXX XXXX - XX/XX/XXXX Transferred, closed. {$22000.00} - # XXXXXXXX XXXX XXXX - XX/XX/XXXX - Collection Account {$4400.00} - # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Collection Account - {$950.00} - # XXXX XXXX XXXX XXXX XX/XX/XXXX - Account Charge Off - XXXX - {$270.00} - 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 an Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Bank of America on XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX with XXXX XXXX, Relationship Banker. I deposited {$3300.00} into a new account that I opened on XX/XX/2020. I have my debit card which was cancelled by the time I received it in the mail. I have a deposit receipt for {$3300.00}, which included my {$1200.00} stimulus check, my {$930.00} tax return, and I transferred {$1200.00} from my pay card to the account, which accounts for the {$3300.00} deposit. I have the receipt for the cash transfer and the stubs for my checks. I then withdrew {$770.00} in a cashier 's check for first month 's rent and deposit on a new apartment which I have the receipt for. That left the account with a total of {$2500.00} on XX/XX/2020. They gave me no information on why the account was closed about a week later, and at that time they said the checks may be returned so I wasn't even sure if I would ever receive the money I deposited. 

They say they have mailed a check on XX/XX/2020 to the address on my account using regular postal mail, but I have not received the check as of XX/XX/2020. The address is my friend 's house which I was staying at for one month until I found a place. I have since moved out and placed mail forwarding and informed delivery on my postal account. When I call they can usually tell me the status of the cashier 's check, that it hasn't been cashed, but today they told me they can't tell me that information. I was told that I would have to wait until the check was returned or until XX/XX/2020 to be issued a new check. I have no money, my rent and bills are due and I have no idea what is going on with this check which has not arrived to my old address, nor has it been forwarded to my new address, whether it's been cashed, where it is in the mail or what is happening and I need some help figuring out what to do. I don't understand why it's legal for them to close my account, seize my funds, then mail a check that they can give me no information about.

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 2021-09-07
Company: SLM CORPORATION
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dear Sir/Madam, I hope this message finds you well. Ever since I entered repayment with Sallie Mae they have made it IMPOSSIBLE for me to pay my balances seamlessly. Firstly, the system online only allows you to either enrol in auto-debit or pay with a checking account, no debit/card payments can be submitted. When trying to register my international account ( please bear in mind I live in XXXX ), the account can not be added due to their system not allowing other bank accounts registered outside of the USA. I could submit payments by phone, however their line does not accept international calls either. When trying to submit any payment with my bank in XXXX, they just simply reject it ( please see attachment ). We have resorted to submitting payments through their online chat and paying with my co-signers card as a " third-party ''. This has worked okay, not ideal but okay ; however as of Today XXXX of XX/XX/XXXX, I have been notified I can no longer submit debit/credit card payments over the chat either! There are so many ways they could help us make seamless payments, but it seems they're purposely making the submission of payments more impossible than it already is. I need your help either to force Sallie Mae into including the option to make payments online with credit/debit card ( or even XXXX ), or to include the option to add an international bank account to the profile in order to make direct deposit payments. Having ONLY the option of enrolling into auto-debit with a USA bank account OR pay with checking account DOES NOT WORK specially in XXXX where most of us in my position only hold credit/debit cards. Also the issue of not being able to communicate with them unless you call from a USA phone is ridiculous and disrespectful, specially when you take into consideration THEY HAD NO HESITATION approving my Student Loan for an XXXX university, and NEVER HAD AN ISSUE SENDING THE MONEY TO XXXX. Please please help ; I don't know what else to do and this issue has been ongoing since early 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 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I sent Certified Mail # ( XXXX ) to Capital One XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX per credit card agreement, items with restrictive words, conditions and instructions which was received on XXXX XX/XX/2023. I also sent Certified Mail # ( XXXX ) to XXXX  XXXX XXXX XXXX ( Capitol One ) XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( which was delivered on XXXX XX/XX/2023 ) a Letter Of Instructions, Claiming the Interest & Equity Owed to XXXX XXXX XXXX Principal accounts ( XXXX ) ( XXXX ) ( XXXX ). 
I sent the Endorsed Bills per Bill Of Exchange Act 1882 Chapter 61, I sent a Durable Financial Power Of Attorney, to show I am the agent for the principal and I also sent a letter titled Federal Reserve Act Section 16. Notes Issues, just in case they have forgotten their duties as CFO. I mentioned in the instruction letter for the CFO to contact me in writing within XXXX business days giving reason for non-performance of his fiduciary duties. Then the XXXX  XXXX XXXX XXXX Closed all three of my XXXX XXXX without my authorization and reported a false statement to the XXXX reporting companies that it was canceled by the creditor which is a lie because I'm the XXXX XXXX and I did not authorize what is going on now. 12 USC Sec. 1431 shows the powers and duties of the bank, they are the borrower and they pay the interest all Banks are security transfer agents and are committing securities fraud daily. Capital One XXXX  XXXX XXXX XXXX is in Violation of the Federal Reserve Act Sec. 16 Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61 and the Federal Reserve Act Sec. 29 Civil Money Penalty. Capital One has a pattern of misconduct when it comes to upholding the Federal Reserve Act Section 16. Note Issues ( 1 ) ( 2 ), Bill of Exchange Act 1882 Chapter 61, Hart-Scott-Rodino ( HSR ) Act and the Constitution of the United States. Capital One and XXXX XXXX XXXX XXXX is knowingly and recklessly causing a substantial loss to the principal and is in breach of his fiduciary duty. I am now in the Second Tier of The Federal Reserve Act Sec. 29 Civil Money Penalty with this company. I guess I will have to take this to Federal Court because it seems like the CFPB is in the pocket of all these banks and does not do a thorough job of investigating these Banks for breach of contract and securities fraud, heck maybe they don't know the Law either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX in checking my account to realize my paycheck was {$1000.00} short. After arriving to work and checking with HR, I learned that I was never notified that a judgment had been awarded to Midland Credit for a credit card that was included in my XXXX  XXXX bankruptcy that was discharged in XX/XX/XXXX. Midland also filed this in a county that I do not live in. I have since submitted proof that the original creditor was included in my bankruptcy. Midland seems to be unwilling to stop the garnishment imposed on my salary and it causing undue financial stress to me as a single father.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This formal complaint is against Equifax. I have disputed with Equifax a few times regarding the inaccuracy of late payments being reported on my consumer credit report. A letter was mailed to Equifax, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after Equifax 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting.

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company (XX/XX/XXXX and XX/XX/XXXX ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports. 

Equifax ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report. 

In accordance with the Fair Credit Reporting Act, Equifax has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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