BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with XXXX XXXX XXXX XXXX and they restricted my account due to information obtained in a consumer rerport provided by XXXX XXXX. After obtaining a copy i learned that the discrepancy that restricted my account was a fraud claim that came from Bank of America. When I contacted BOA I was informed me of the activity they reported from an account i had with them in 2018 and I explained that I lost access of that account soon after opening it. I also explained to them that I reported the possibility of fraud after losing access to my account because I was XXXX at the time and my information was stolen. I went on further to explain to them that shortly after I reported my stolen info and the possibilty of fraud I was incarcerated  and was not released again until later on in the year of 2018. Representatives that i spoke with seemed unconcerned of any of this information and proceeded to attempt to collect a payment for these activities.

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 2023-03-31
Company: EQUIFAX, INC.
State: MI
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 sent a letter multiple times to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
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 writing to file a formal complaint against the XXXX major credit reporting agencies, XXXX XXXX, Experian XXXX, and XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX Pl XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Pl XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX Pl XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX : XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights XXXX a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer.

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,

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 2023-03-31
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries listed on my credit report at know time given verbal or electronic permission to try and obtain my credit information. Any inquiries I made were presented as pre qualify with out hurting your credit. These need to be removed from all credit bureaus unless they can provide proof of my request. If proof can not be provided then all inquiries should be deleted and updated to reflect those changes. Again ANY proof I requested credit from any inquiry must be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out my written instructions In accordance with Fair Credit Reporting act XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX violated my rights. 

15 U.S C 1681 section 602A 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 with out 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 2018-05-14
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on Equifax and XXXX dropped drastically. Equifax dropped 74 points from XXXX down to XXXX and XXXX dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, Equifax raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a notification from XXXX XXXX that i got a derogatory mark. When i check ny derogatory mark it said i had something in collections and it said i owed {$1200.00}. It showed that that i owed sequium asset solutions that money and the original creditor was XXXX XXXX XXXX  XXXX. I have never in my life had XXXX XXXX XXXX  so i called them and they said there is no account in my name. So someone in sequium asset solutions got my information and posted that on my credit and now it showing that i owe them {$1200.00} and its effecting my credit. I want this handled and taking care of because someone or this company is scamming and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DYNAMIC RECOVERY SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been receiving numerous calls from Dynamic Recovery Solutions attempting to collect for a debt for someone else that does not belong to my phone number. I have requested to be added to the Do Not Call list multiple times and they have repeatedly called me even after requesting the DNC.

I am requesting formal complaint against this company for it's tactics and repeated violations of the Do Not Call provisions of the Telemarketing Sales Rules. 

Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX Outbound Call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX - Requested DNC ( After Requesting DNC ) Received call XX/XX/XXXX XXXX CST DynRecServices ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-09-08
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of today XX/XX/XXXX, I spoke with my loan officer at CMG Financial to determine the status of who owns my mortgage, and where I'm supposed to send my mortgage payment for the loan I refinanced on XX/XX/XXXX as I only received 1 servicing statement for XXXX. On XX/XX/XXXX, I reached out to my old LO who said that the mortgage was sold to XXXX. After going to XXXX servicing website to look up my loan information I determined that both CMG Financial servicing and XXXX servicing uses the same system, XXXX. I have now called their support line at least 5 or 6 times and met with the same issue, they indicate my old mortgage was paid in full, and there's nothing else in their system. I've been told my wife 's social doesn't exist in their system, and no other mortgages are tied to my SSN. 

According to XXXX, the only mortgage with my SSN and property is the one that was XXXX in XXXX, it shows " Inactive ''. 

I did send a check to CMG Financial for my XXXX payment and they did cash the check, however they didn't pay my Homeowners Insurance and they are now threatening to cancel my insurance.

I'm very concerned about my credit, whether my taxes will be paid on time and my homeowners insurance. What do I do? I can't get a straight answer from CMG or XXXX... .so did CMG lose my mortgage? Help...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed a settled debt that says I owe a balance. I called the actual company and they say I don't have a balance because it was settled. I file a dispute with Equifax and send in a copy of the letter of the settlement. They reported the same as the result of not getting in touch with the company. I called spoke to a representative at Equifax and asked if the company didn't respond, why is this still reported the same or at all. I thought the company has to respond within 30 days with accurate information or if not it is removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Ive been with Bank of America for years and they have always constantly charged me more then once 35 on transaction canceled if I could not get over to the bank to deposit more money

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 2021-09-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a credit account with Synchrony through XXXX XXXX XXXX credit limit of {$500.00} in XX/XX/2020. I was paying my monthly bill of {$28.00} monthly, I was never late on my bill always punctual. The I got sick with XXXX  XXXX, I believe I wrote Synchrony a letter explaining my situation. I was like two weeks late with my monthly payment of {$28.00}, and Synchrony bank, took it upon themselves to close out my account. I did not have a debt owed in fact. The monthly payment I was paying every month was being credited to my account ending in XXXX. I know the action that they took against name is wrong, and they have the simplicity to contact me, and blow up my number ending in XXXX, trying to collect a debt, that I don't owe the account is closed. I tried to work it out with them, begging them to reopen my account, why did they close it that was very unfair, and crucial to me. That is not how you treat customers that are loyal and have a record of their loyal intentions by paying monthly bill on time. 

They input derogatory remarks, and comments onto my experian credit report monitoring inputting " worst ever status '', " accounts ever late. '' Factors influencing your score downward Too many bankcard or revolving accounts with delinquent or derogatory status The number of inquiries was also a factor, but effect was not significant Lack of sufficient relevant real estate account information The date that you opened your oldest account is too recent My credit score went from XXXX to XXXX within a month What language is that in.

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 2023-05-20
Company: EQUIFAX, INC.
State: MN
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:
You guys only removed 1 of the XXXX XXXX XXXX XXXXXXXX accounts when there were 2! So one account for XXXX XXXX along with her address in XXXX XXXX Mn needs to be removed from my credit report as well. I dont understand the stupidity of this company.How was this not taken care of????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
I co-signed on a lease and the other party was unable to complete the lease term so the vehicle was voluntarily surrendered. Toyota Financial placed the account in collections and I subsequently reached a payment agreement with the collections law firm. I have started making payments and was told by the law firm that Toyota will update my payment status with the credit agencies. 
On XX/XX/20 I called Toyota to check when my account status will be updated from Collections/Charge Off to Pays as Agreed. I was advised by the customer service agent that it will not be updated to Pays as Agreed and will only be updated to Paid in Full when the account is fully paid. This status is affecting my ability to be approved for financial aid for my studies and I would like Toyota to update the status to reflect the fact that the account is being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-01-12
Company: ALLY FINANCIAL INC.
State: GA
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:
I Seen these inquires on my account and will like for them to be removed.

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 2023-07-19
Company: Northstar Location Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
NorthStar location services is calling me and leaving voice mails, NOT stating they are trying to collect a debt. The only reason they are a debt collection agency is because I researched their company name. I have asked to only be contacted via email or certified mail. I DO NOT want to be contacted by phone. Their website makes it impossible to pay or set up an account without a reference number which I have never received. I have no way of validating this debt apparently without talking to them on the phone which i DO NOT want to do. Repeated phone calls with vague voicemails and not stating you are calling about a debt is a violation of the Fair Credit act!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX  is listing an outdated " hard '' credit inquiry on my credit bureau report. 
The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX, XXXX, XXXX. This inquiry should be deleted from my XXXX credit file, because the Fair Credit Reporting Act, or FCRA, mandates that all credit inquiries that are 2 years old or older, must be removed, from a consumer 's report, immediately. 

I have contacted both XXXX  and XXXX XXXX with no results.

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 2023-07-19
Company: Possible Financial Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I took out an installment loan with possible fianc XX/XX/XXXX for {$75.00}. I successfully made two payments. I unfortunately had to file bankruptcy on XX/XX/XXXX. The balance of $ XXXXwas included in the bankruptcy which was ultimately discharged XX/XX/XXXX. 

I have been reaching out to Possible Finance for 3 days because though its been discharged they have not removed the loan from XXXX open deferred presentment database. Ive spoken to the a Supervisor at XXXX XXXX XXXX who actually monitors the database and it must be removed by Possible Finance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a call from Captail One Credit card stating that the credit card my husband applied for ( which he DID NOT apply for ) was denied. My husband is having problems with fraud and has reported it, but now they have my phone number attached to my husbands account and are trying to get to my personal info.

Company response to consumer: Closed with non-monetary relief