BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
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: Account information incorrect

Complaint:
Experian and XXXX  are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so Experian and XXXX  are using incorrect information on re-aged accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I believe this is scam company known as XXXX XXXX The number XXXX. They are trying to collect on a debt from many many years ago through Comenity Bank card with XXXX XXXX.They are  calling a phone number that belongs to my elderly aunt and uncle in Florida. Their number is XXXX. I have asked them to stop harassing these elderly people with phone calls. I gave them my name and number to call me directly : XXXX. They continue to call my aunt and uncle. I do not trust this debt collection agency. They will not send me anything in writing. According to this company they sent me a summons back in XX/XX/XXXX I did not receive it, my aunt and uncle did not receive. I have dealt with this company at least twice in the past. Same story : summons sent out in XX/XX/XXXX. Now they are harassing my elderly aunt and uncle and I want it stopped. Have Comenity Bank contact me directly and I will be happy to work directly with them. XXXX XXXX company also refuses to accept any small payment via a money order on a monthly basis. I have no idea how much the debt is for. I can not remember. Please help. Stop these unwanted harassing phone calls to my aunt and uncle. 

I appreciate your time and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer : XXXX Date Updated : XX/XX/2021 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX   ignores all phone calls period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
- I requested a refund for a {$250.00} Western Union money order I purchased, but later did not use. I received a refund minus a {$15.00} fee from Western Union in the form of a check for {$230.00}. The date on the check was XX/XX/2022, but I received the mail on XX/XX/2022. 
- On XX/XX/2022 I attempted to do a mobile deposit of the check through my own mobile banking feature by taking a photo of the front and back of the check, but the numbers on the check was printed poorly and in some spots barely visible so it wouldn't work. 
- I then went to XXXX and they told me they couldn't cash the check. I was given a receipt that said, " We're sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX authentication and risk management services to merchants and businesses nationwide. XXXX did not make the decision to take adverse action and is unable to tell you the specific reasons why the adverse action was taken by us ... .In addition, if you find that any information in XXXX XXXX file is inaccurate or incomplete you have the right to dispute it with XXXX XXXX .. '' - I called XXXX 's XXXX free number listed on the receipt and it was an all automated system and no customer service agents to answer questions. The system instructed me to key in the reference number of the declined check receipt and the automated system said there is no info they can provide, but try cashing it at the bank listed on the check ( XXXX XXXX ). So, I left XXXX and went to XXXX XXXX Bank. 
- A XXXX XXXX bank clerk told me they could not cash the check and their system says they can only deposit it into a XXXX XXXX Account, but I do not have a XXXX XXXX Account and did not want to be forced to open one. They also said if I set up an account, there was no guarantee that the money from the check would be available immediately. The clerk suggested I try XXXX and she didn't understand why XXXX couldn't cash it. 
- I left XXXX XXXX and went to a XXXX. They couldn't cash it and gave me the same type of receipt regarding XXXX as XXXX did. 
- I left XXXX and went to XXXX Bank. They said they could cash it through their XXXX party, but there would be a fee of {$9.00} taken from, the check. 
- In the end I was able to cash the check and received {$220.00}. I should not be forced to have to set up a bank account with XXXX XXXX to have access to my own refund. I should not have to drive to 4 different locations trying to cash a Western Union refund check and wasting gas during a time when inflation is so high. I should not have to endure even more fees when XXXX XXXX should have been able to cash the check for free. 
Please Note : The toll free number Western Union listed is all automated as well, so there was nobody that I could speak to about this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
SYNCB/AMERICAN EAGLE Inquiry Date Removal Date Type Phone Number XXXX XXXX Sales Financing Company XXXX Hard Inquiry. I did not inquire about getting this credit card.

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 2023-09-07
Company: EQUIFAX, INC.
State: GA
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:
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 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: Braviant Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from cXXXX XXXX XXXX XXXX 

I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. 

XXXX XXXX and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. 

Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be clear that I dispute this debt I am requested verification and validation of this alleged debt. I am also requesting investigation into this alleged debt. 

Account info listed on consumer report : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: AL
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:
Ive mailed numerous letters to the this credit bureau & submitted complaints they claim they verified with the furnisher but after speaking to a representative she stated that they use a system called e Oscar witch is a computer thats not a furnisher so how can this be legal? FCRA states everything must be accurate and a proper investigation must be done. XXXX XXXX XXXX should not be reporting on my credit report. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX XXXX and XXXX ) The collection Agency Waypoint Resource Group which is on XXXX XXXX XXXX XXXX XXXX, TX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/XXXX and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company is also not reporting on my consumer report accurately. The date last active is not accurate between the 3 credit reporting agencies listed above. XXXX is reporting the date last active XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting last active on XX/XX/XXXX. This is inaccurate reporting and is violating the FCRA. They have also violated these laws. 

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

If this issue is not resolved i will be seeking {$15000.00} per FDCPA violations and Section 616 and 617 FCRA violations for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I am writing again this complaint to AMERICAN EXPRESS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact this account is totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When using a non TD ATM for withdrawals, TD bank charges me {$3.00} balance inquiry fees that I did not request while making the withdrawal. Therefore, TD bank is able to charge me twice the amount for using the non TD ATM in the same session. The non TD ATM fee is also {$3.00}. This has happened multiple times on my account. TD bank alleges that they are separate transactions within the same ATM session and that I authorized the charges for balance inquires, which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
In XXXX during the Housing Crisis Bubble we signed with a Bank od America representive to a equity line of credit. Unfotunately we were ignorant to and not understanding that we had a interest only loan. 

In XXXX we had to file bankruptcy as a result of loss income, however we continued to make payments. Payments were made from XXXX through XXXX ( interest only totaling some {$20000.00} on a laon for {$30000.00}. We have paid close to {$10000.00} in principle from XXXX to present. 

We were told that if we missed a payment or did not pay at all we would be foreclosed on. 

Our bankruptcy case has ben closed since XXXX. The loan when orginated in XXXX was a variable rate, please see most recent statement and how it has been changed. 

We sent a letter to the XXXX, XXXX XXXX XXXX of Bank of America requesting conideration of debt forgiveness or a discounted amount of the loan. The balance today is now is {$21000.00}. We are seniors and plan to retire soon. We received a response from the Bank, declining our request, not from the CEO no signature from anyone. Please see attached.

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 2019-07-08
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection agency sent debt that does not belong to me to credit bureau. Contacted collection agency, and they were uncooperative and not willing to help. All information sent to them does not match my identity at all. I verified my identity to all parties involved and it was confirmed I was the wrong individual. I made numerous attempts and made numerous suggestions to the collection agency to help them rectify the situation and they were very combative towards me, including the office manager, who was not willing to help. 

I have made 4-5 calls to their office and have been given the run around about the process and how the situation can be handled. They tell me to call someone else, and that they can not help me. 


Please let me know if more information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NY
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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