BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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:
According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these. 

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched. 

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are 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 2018-08-23
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is for identity theft or maybe they are confusing my name I need if they can help me and I write to the credit bureaus they talk to me but they did not want to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I tried to log in to my capitol one account to pay and it indicated it was restricted. I then proceeded to call at XXXX and and the representative who took my call notified me my acct was closed. I asked him why he stated because there was a returned payment. I stated that was correct it was not due to insufficient funds it was due to my XXXX acct being closed due to fraud. He stated that was there policy and there was no way they could reopen it. I asked if I could speak to a supervisor to explain what happened he then transferred me to a supervisor who then told me the same thing the other representative told me he stated to pay off balance wait 5 days and submit proof and that then they would reopen acct again. I said I wanted that in writing he said he couldn't do that. I said well I want to make sue this acct is reopen this was not my fault. He said he could not give me anything in writing. I proceeded to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX  XXXX Balance : {$390.00} ; TXXXX XXXX  Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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 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 2021-05-05
Company: EQUIFAX, INC.
State: WI
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 tried disputing these accounts with Equifax, stating these accounts don't belong to me. Equifax has never verified any information, their response is always this account has been verified. 

XXXX  # XXXX {$170.00} XXXX # XXXX {$74.00} XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Avant Holding Company, Inc.
State: LA
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 was a victim of XXXX data breach and inaccurate information needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 Bank of America automatically and unlawfully froze my Business checking account as a result of its flawed fraud detection program, significantly impacting my business ' ability to pay staff and contractors and offered XXXX recourse despite the fact that there was no fraud and all transactions were previously verified verbally over the phone with a Bank of America Representative, also via text, and through the online banking portal prior to the account freeze.

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 2023-09-04
Company: Experian Information Solutions 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:
XXXX XXXX {$16000.00} this account does not belong to me and the original creditor has yet to provide information and other documentation to support there claim.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-03-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Name, U S DEPT OF ED/XXXX  Account XXXX XXXX, Account Name, U S DEPT OF ED/XXXX  Account # XXXX Account Name XXXX DEPT OF ED/XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: ERC
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 information incorrect

Complaint:
XXXX XXXX is reporting an account that is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Solar Mosaic LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
A representative of Mosaic and XXXX XXXX came to my house and sold me a solar system in XX/XX/2022. The system was never activated and did not receive permission to operate from the utility and was not set up for inspection. I am now paying a mortgage on a non-existent solar system.

This is now in breach of contract. As Mosaic does not disburse funds to the contractor until there is permission to operate from the utility ( see attached contract ). 

XXXX XXXX has gone bankrupt and no longer exists. 

Ive attached the part of the contract that states there should be no payment until there is clearance to operate from the utility. 

The following is the portion of the contract that shows I should not be making payments, even though they are being drafted from my account monthly. 

The Loan Start Date is sublect to change. The Loan Start Date will be tinalized and accuratelv retlectec in the Loan Closing Certificate. which will be sent to You following our first disbursement of loan proceed : to Your Installation Contractor ( or sent directly to the equipment manufacturer if directed to do so by the Installation Contractor ). The Loan Closing Certificate is fully incorporated hereir The estimated Loan Start Date assumes the Contractor completes installation and the " Install Complete Disbursement '' is made within 180 days from the date of You are prequalified for a loan. The actual Loa Start Date will be the date that we first disburse loan proceeds to Your Contractor. That date will be showi on the Loan closing certiticate we send to You.

The estimated First Payment Date assumes You will begin making payments 3 months after the Loan Star Date. You mav actually begin making pavments on the earlier of 3 months after the Loan Start Date or 15 days after XXXX XXXX XXXX. its assignees. agents. representatives. or approved loan servicer : confirms Permission to Operate from Your utility company. Interest on this loan begins to accrue from the first disbursement and is calculated on the outstanding principa balance. as described in Section 3ic ). You can begin making pavments at anv time You choose after the Loan Start Date We may re-review Your application if it looks like the Loan Start Date will not occur within 180 days. This can happen if Your Contractor is not able to make sufficient progress during Your 180-day approval period for the Loan start Date to occur. If we re-review Your application. we will request a new credit report from the credit bureaus. to make sure that You continue to meet the requirements for loan approval. This may impact Your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions 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:
There is an issue with fraud alerts, credit freezes and unknown credit inquiries appearing on my credit report. Experian has allowed unknown sources and dangerous individuals and organizations to access my credit file placing me and my children 's life in danger all because I am no longer paying for a membership. 

Credit bureaus are private companies not the government and they need to stop taking advantage of American citizens. I am a Veteran and I have the CRAs selling my information without my consent- it is actions like this which contribute to the country falling apart. Stop helping criminals and protect American citizens information under law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had an account with Chime. I was trying to send money to a friend who was at the airport and needed some funds for her and her kid 's luggage. After that was all finished a few days later I get an email stating my account was locked and I needed to provide documentation that it was my account and apparently I have other accounts as well which is entirely inaccurate. They closed my account with funds inside

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Guild Mortgage Company LLC
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are Consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, as noted in 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Guild XXXX Company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : following the written instructions of the consumer to whom it relates. '' Guild XXXX Company, the financial institution, and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information, and they do not have my written permission. All acquiescence to XXXX, XXXX, and XXXX, Guild XXXX Company, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) declares that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is elucidated how the consumer can exercise that nondisclosure option. '' They never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) discloses, '' Except as authorized under subsection ( b ), 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. '' This account is a negative item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A reveals, " 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 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for a XXXX XXXX  secured credit card on XX/XX/18. Funded with XXXX of {$1000.00}. Review of bank acct shows {$1000.00} was deducted twice with two separate transfers for a deposit of {$2000.00}. Checked with company who has no information re : deposit or application. XXXX XXXX now wants another {$1000.00} now to process application.

Contacted XXXX XXXX to resolve issue, unable to locate deposits. ( XXXX XXXX XXXX transfer reference # 's available showing both transfers to XXXX XXXX ). XXXX XXXX Incident reference # XXXX.

Company response to consumer: Closed with explanation