BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a Venmo account and on XXXX XXXX I received an email regarding a credit card opened and purchased for over XXXX dollars. The email I received was attention to the fraudulent person. I have reached out to Venmo fraud department with no resolution. According to Venmo representative, there is a mix up of personal information. For some reason, the fraudulent person has my phone number and my email address. However, the social security number used to open a credit card is not mine.

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 2023-01-24
Company: Dynamic Recovery Solutions, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX has been selling and sending out my medical information to debt collectors for over seven years now. This is illegal and against my HIPAA laws. I did not authorize them to send this out to a third-party Dynamic Recovery. I also had insurance at the time. They also keep falsely reporting to my credit report to other debt collectors. Its also been seven years and this debt is supposed to be dropped by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}

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 2021-09-07
Company: EQUIFAX, INC.
State: NJ
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 have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Recicved a credit alert From all three major credit bureaus last week on the XX/XX/XXXX about XXXX dollar loan was open in my name and I lost 15 points off my credit score and I contacted all the 3 credit bureaus and told them I did n't open this account and my wallet was stolen few months ago and I would like this credit loan removed off my credit report and they have n't done nothing and never heard back from them and I do n't do business with this bank nor I used this debit card or the loan and I was living T ANOTHER ADDRESS AT THE TIME THIS LOAN WAS OPEN BACK IN XX/XX/XXXX AND I HAVE NO IDEA WHO IS DOING THIS AND I MADE A POLICE REPORT ON THIS AND IM UPSET RIGHT NOW

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 2017-11-23
Company: Avant Credit Corporation
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX NEEDS TO REVIEW ALL MY ACCOUNTS WITH XXXX, AND NEED TO CONDUCT A ACCOUNT REVIEW WITH XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Tuesday XX/XX/XXXX, at XXXX, I submitted a " Next business day, {$0.00} fee, ACH XXXX XXXX XXXX XXXX cutoff time '' using my personal Bank of America checking account. 

As of Thursday XX/XX/XXXX, after XXXX, the recipient hasn't received the funds. Have called several times Bank of America and they can not explain the reason why ACH transfer was not received during the promised timeframe by the recipient 's bank, XXXX. 

Money has been debited from my account as far as I can see in my Online Banking Account. 

After several calls and speaking with different departments, from Consumer Accounts, to Fraud Department, they always answer mentioning " I am the right person to assist you with this '' and they have not been able to proof where my money is and/or expedite the transfer.

Bank of America does not provide you with a proof of ACH transfer showing exact details, account number and/or routing number to be able to track the ACH. I requested for that and they mentioned that will be delivered after XX/XX/XXXX. 

Also, the status in the Online Banking portal of Bank of America is inconsistent in different views, some showing status as " Cleared '' and other as " In Process ''.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 reporting that transunion, XXXX, and XXXX are improperly reporting student loans to my credit report. 

20 USC 1232g ( b ) The Family Education Rights and Privacy Act ( FERPA ) is a federal law that protects the privacy of my student education records..

I would like these 12 student loan accounts removed from my report immediately! The loans are from dept of education/aidvantage.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have become a victim of identity theft. I contacted the Federal Trade Commission & credit bureaus XXXX, transunion, and XXXX and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 

Please be aware all required documentation is within this complaint and has been Faxed and mailed via Certified mail to the credit bureaus XXXX, transunion, and XXXX. 

In addition, I demand the following fraudulent accounts be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent accounts be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2023-01-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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: Personal information incorrect

Complaint:
Experian has shown incorrect personal information on my credit report that has cause at least one merchant to deny me credit. Experian is listing my single family residence as a hotel or commercial location, which it has never been. 
In XXXX of this year, I went through the dispute process with them, provided copies of bills, etc, showing this to be my residence, and they sent me a notice that they had resolved the issue. 
I have now been turned down for credit again, for the same reason, and upon checking my Experian credit report, I see that they are still calling my residence a hotel. 
I am unable to get anyone at Experian to talk to me about this, and I need help to get it resolved.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: CA
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:
To Whom It XXXX Concern, I have recently received a copy of my credit report. The report had an account listed from XXXX XXXX a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. I provided a identitytheft report and a police report, backing my claim and nothing happened. 

XXXXXXXX XXXX  ( Opened XX/XX/2018 ) I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account withXXXX XXXXXXXX. Someone opened this account in my name in 2018 please remove it immediately before further harm is done. I am requesting that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: OH
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}

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 2018-11-09
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX  with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX  and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX  parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: SC
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX  XXXXXXXX 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 2019-10-16
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/2019 I received a call from my father that structured settlement left  him a voicemail at our church stating this message is for XXXX father and to contact XXXX. He contacted them back and XXXX tells him Im bouncing checks and it now involves them. This is unacceptable on so many levels. Also I never received anything in writing from the company the first time they called me and told me it was from mountain summit I set up a payment arrangement however I then called the original creditor and the guy didnt know who bought the debt so I stop the payment and they continued to go in my account and now they call my church this is outrageous

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 2021-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Called Bank Of America ( XX/XX/21 ) to remove late payment record from my closed credit card accounts. I got late payment because the card was used by an authorized user and I was not aware. Later I missed the monthly statements ( may be coming by email ) until I noticed their mail about sending to collection. The full amount was paid instantly ( very low amount ) and closed/never used that card again.

Agent on phone from Bank Of America ( BOA ) was agreed to do something for me to waive the late payment incident from my record and told me to wait for receiving the result in mail by next week. No case/ref number was available to provide. 

Just 4 days later ( XX/XX/21 ), I have found my credit score went down XXXX  points ( from XXXX to XXXX ) in XXXX and XXXX  points ( from XXXX to XXXX ) in XXXX. XXXX is not updated yet but it has a remark from same BOA account. Whatever report BOA has provided to all 3 bureaus my score did go down instead of going up. 

4 days later ( XX/XX/21 ), Ive also got a letter says call BOA back to provide additional information. I called BOA several times after that, transferred from dept to dept but no agent was able to provide any help or answer about why my score has gone down or even explain anything about their mail. 

At XX/XX/21 I called again and an agent said I will get another letter about the decision and provided me a Case # XXXX but no letter is received yet within next 7 business days. My credit scores are still destroyed by them. 

Please help. I am planning to apply for home loan within couple of month and I dont want to spend time by trusting their wrong reporting system or false commitments.

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