BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX an unauthorized transfer was made on my XXXX Bank of America prepaid card, the amount was {$4800.00} and left me with XXXX balance, so I called the bank and they transferred me to their fraud department and filed a claim. 
Claim # is XXXX On XX/XX/XXXX another unauthorized transfer was made on the same account again with the amount of {$4800.00}, and I found out the bank had credited me the {$4800.00} two day ago on XX/XX/XXXX, now left me with {$0.00} cent on my account, so I filed another claim, clam # is XXXX After two months later 0n XX/XX/XXXX, I received a letter from Bank of America saying that they are unable to approve my recent claim and the credit of {$4800.00} will be removed on XX/XX/XXXX. 
XX/XX/XXXX now my account is negative $ - XXXX, I call them to reopen my claim, but this time they gave me a new claim number because of their new system, the claim # is XXXX. 
And later on they kept debit and credit back and forth. 
On XX/XX/XXXX credited {$4800.00} On XX/XX/XXXX debited {$4800.00} On XX/XX/XXXX credited {$4800.00}. 
It seems like they credited my second claim {$4800.00} but denied my first claim {$4800.00}, I kept calling the bank almost once a week, but each of them told me different, XXXX told me my claim is at the back office, another told me my claim is pending and another told me my claim is denied, I need to reopen it, I even asked for the bank fraud department supervisor to help me out, let me talk to some one directly so I can explain my case. No one called or contacted me.

It seems like the bank has mixup since I have two unauthorized transfer and the amount almost identical in the same month with two claims.

Its almost two years now, it seemed like the bank doesnt want to credit me back the money the government put it there and its taken out by some unauthorized transfer.

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 2023-07-26
Company: Avant Holding Company, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I applied for a personal loan with AVANT for {$23000.00} and received the loan within the week. This loan was paid off on XX/XX/XXXX. 

On XX/XX/XXXX I again applied for a loan with AVANT but was denied and not given a reason for the denial. Was told that an email was sent, but I never received it and AVANT refused to resend it. Being that I did not understand the reason for the denial and was not given any follow-up info, I requested that an investigation be conducted because AVANT requested a document from me and before I was able to send it ... THEY DENIED THE LOAN. Was told to reapply in 30 days because there was nothing that they could do in the support office because the processing center had all of the info and they did not speak to customers. Nothing ever happened, upon continuous calls to AVANT, they pretended to have no info of me requesting and investigation and had no further info. 

On XX/XX/XXXX I again applied for a loan with AVANT and was again denied and told that there was no info as to why my loan was denied but I could reapply in 30 days. When I asked for info on the previous loan being denied or info on the investigation and was placed on hold for 20 minutes and no one ever returned to the call with info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is in violation of 15 USC 1681 ( a ) ( 4 ) Transunion Infringed upon my consumer right to privacy 15 USC 1681b ( a ) ( 2 ) Transunion had no permissible purpose/no written instruction from the consumer 15 USC 1681a- ( e ) On XX/XX/21 Transunion sent correspondence stating they completed an investigative consumer report. 
Transunion used a third party credit reporting agency to complete an investigative consumer report which according to 15 USC 1681a- ( e ) such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer Transunion also uses XXXX XXXX to investigate public record items. XXXX XXXX was acquired by XXXX XXXX and XXXX XXXX removed the bankruptcy from my record pursuant to the aforementioned reasons, yet Transunion illegally verified the item and continues to report this information. Transunion is not being honest with how they investigate and validate information and has disregarded the information they state they received from their third party vendor, in their letter dated XX/XX/21.

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 2023-09-25
Company: EQUIFAX, INC.
State: NY
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:
My name is 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 explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
EQUIFAX received my certified dispute letters, tracking number XXXX on XX/XX/XXXX about XXXX XXXX and XXXX XXXX XXXX. It is now XXXX XXXX 7 months later and they have failed to properly respond. XXXX finance shows no signs of a dispute and XXXX XXXX XXXX is still showing the same dispute since XXXX! This is very concerning as I was very clear in my writing to EQUIFAX. They are either choosing to ignore my letters or they have programmed their system to ignore people who fit some bogus unwanted demographic. 

How hard is it to Remove and block those 2 accounts that they have not only not investigated but have sent XXXX evidence to me?!??? This is XXXX not XXXX. EQUIFAX clearly does not care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
2017 XXXX XXXX, from XXXX XXXX, sticker price was XXXX, trade in was supposed to be XXXX, plus i put {$1000.00} down, ally financed car at 8.99 %, brother co signed, would not change brothers name, his name is XXXX XXXX, they put XXXX XXXX, finance XXXX. finance change XXXX ending amount {$48000.00}, ally financial, paying {$580.00} dollars a month for 84 months, payment was late due to mail issue, was charged an addition {$20.00} dollars, didnt pay that was was changed another additional {$20.00}, i was late on one payment due to XXXX  XXXX, i feel im being overcharged by XXXX XXXX and ally, call it discrimination, hopng someone would look into this and correct and award me damages!

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 2023-12-01
Company: U.S. Collections West, Inc.
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has a debt listed on my credit report, I do not know what this debt is for. I request debt validation request by certified mail on XX/XX/23, delivered on XX/XX/23. I received no response from the company. I disputed the debt on XX/XX/23 with XXXX, they validated the debt as accurate with XXXX on XX/XX/23. I sent a second request for validation on XX/XX/23, they received and signed the letter on XX/XX/23. I received a response from the company by letter on XX/XX/23, stating they already validate the debt and refuse to send validation again. I have never received anything from this company, I am alleging they do not have proof that this debt belongs that's why they can not validate the debt. They have violated the FDCPA numerous times, my next complaint will be a lawsuit is Idaho. They need to remove this debt from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my credit report on XX/XX/XXXX. I am showing one 30-day late payment for XX/XX/XXXX as well as one 60-day late payment for XX/XX/XXXXXXXX    for Syncb/Care Credit. I immediately wrote a letter to the agency on XX/XX/XXXXXXXX  addressing the XXXX that those late payments are to removed based on the company reporting those payments without my consent. I further explained that this is an invasion of my privacy, as well as a defamation of character. The company is causing harm to my life by preventing from being able to excel in every aspect. I am continuously being denied being approved for a mortgage loan which I am trying to pursue for the sole purpose of providing a home for my wife and kids. I am also being denied for any vehicle loans. Such conduct has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. This company has violated 15 U.S.C. 1692 ( c ) of the fair debt collections practices. I demanded that this company cease and desist of this activity as soon as possible and gave 15 days from the receipt of the notice, which would be XX/XX/XXXX. That included eliminating all late payments from their records and discontinuing and retracting all late payments to any and all credit reporting bureaus. It is well over the 15 days and I have yet to receive a response from the company nor have the company removed the late payments from my credit reports. I granted a few extra days prior to filing this complaint which is now XX/XX/XXXXXXXX  and the company still hasn't taken any action.

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 2023-06-29
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At debt in the amount of {$71.00} has been reported to my credit report. After investigating the matter with the original creditor it was determined that the debt is NOT associated with my identity. I do not have any past due balances with the creditor, XXXX. In fact, I have a OPEN wireless service account with the company so its not possible for this collection account to be associated with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.

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 2021-05-28
Company: BAM Management US Holdings Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I'm not able to withdrawal my crypto ( Virtual Currency ) because I'm not getting the verify emails to withdrawal. I get all other email and I've whitelisted all Binance.US emails. Binance.US is the only problem not receiving the emails. First email to Helpdesk : XX/XX/XXXX to report this problem, Ticket # XXXX. XX/XX/XXXX Binance.US responses : whitelist the emails. ( done ). XX/XX/XXXX 2nd response via email & XXXX ( NO RESPONSE ). I stated maybe the problem is with their Email XXXX XXXX ( XXXX XXXX XXXX ), an email delivery service, to send withdraw verify emails. XXXX will mark an email address inactive and will not send future emails to the email address if the address has had at least 1 delivery error in the past ( Commonly referred to as a Bounce ). XXXX XXXX issue Link : XXXX : XXXX I emailed and posted on twitter for status update on XX/XX/XXXX NO RESPONSE. Posted on XXXX for status update XX/XX/XXXX NO RESPONSES and today XXXX. 

XXXX : IDs :@XXXX  / @ XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid off my car loan in full on XX/XX/2021 in person at a branch. My account was closed on XX/XX/2021 and I was unable to login to the system since my loan was paid in full. Wells Fargo continued to withdraw {$1000.00} from my bank account on XX/XX/2021 via an autopay setting that I had setup. I could not disable autopay since my account closed since it was paid in full. I called Wells Fargo to ask why they withdrew the {$1000.00} autopay amount when my account was already paid in full. The person said that it would be refunded to me in XXXX days via bank transfer. 

Two weeks pass and I still do not have my {$1000.00} refund from Wells Fargo. I call them again and ask where is my refund and they tell me it there was an issue with my account that since I paid in full and am not a customer that they couldnt refund via bank transfer and that they could only mail me a check which was sent out XX/XX/2021. I did not receive the check until XX/XX/2021. 

Wells Fargo should be held accountable for over drafting my account and pay me interest for the time they were holding my money. I was lucky that I did not need the {$1000.00} at the time, but what if I did? I would be out of luck and overdrafting because of Wells Fargos poor internal controls. A bank can charge customers overdraft fees, but customers cant charge banks for their mistakes,

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 2023-06-29
Company: NAVY FEDERAL CREDIT UNION
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation