BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: MS
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 went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, I have made a payment to my credit card by cash for the amount of XXXX USD. Before making this cash payment of XXXX USD, I was explicitly told by the HSBC branch employee that my payment will show as an available credit on the next business day ; however, this was not the case. Historically, there was a payment of XXXX USD that was returned to the original source per my request which triggered an account review of my credit card ; however, per my phone conversation with the HSBC employee, the restriction was placed on the XXXX USD amount which was made by cash because the funds may get reversed again. I explained to the HSBC employee that, per my understanding, a cash payment can not be reversed but HSBC insisted that I must wait 10 business days even though the payment was made in-branch by cash. Attached is a receipt confirming the payment was made by cash. This payment was made by cash as I really would like to use HSBC 's 0 % APR promotion to transfer my balances over ; however, I am already over the 60 days period for this promotion and now because of this restriction the promotion period has ended and I am unable to transfer my balances using this promotion. I was planning on transferring my balances ; on XX/XX/XXXX, a day after I made the cash payment ; however, I was unable to do so because my account has been restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: T.S. Holdings
State: CA
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:
IQData has made a claim of debt owed under my name. Mutiple calls to IQ Data with request of debt verification were met with sarcasm and long hold times by a man who identified himself as XXXX and claimed to be in charge of my file. 

To date, IQ Data has not sent documents with debt verification to the address which I have provided them with. I did learn that they had sent documents to an address which I do not live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We went to transfer {$25000.00} on Wednesday, XX/XX/XXXX from Synchrony Bank to another account. We linked the bank accounts, confirmed they were connected, and initiated an external transfer as noted on their website. Unfortunately, no where on their website do they make clear that I have to be the account owner for an ACH transfer ( I am now aware of this, have gotten used to easy clearing houses through programs like XXXX etc. ). The holding period for this cash to return is longer than what's feasible to make a purchase, and now the entire process is in jeopardy because Synchrony has no alternative solution. 

Synchrony points to page 5 of their Terms and Conditions as an excuse for not making this clear anywhere on their website, even though there's an incredible concise explanation of how everything else works on their transfer portal. We signed up for this account for the specific reason that it would be easy to use online, and honestly have had nothing but problems getting money out of Synchrony when we need it.

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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Applied to a apartment. Apartment told me I didnt qualify, they would refund me the admin fee. Filed a dispute with BOA. XX/XX/XXXX BOA ask for evidence and proof of the merchant stating they would refund me. I send over the information. BOA is refusing to credit my account while they investigate! Claims, because the amount is XXXX dollars they cant credit the account. However, a coworker has disputed charges with BOA with amounts over XXXX and was still able to have the funds credited to their account while the investigation happened. Its been over 30 days. They are not trying to do anything to fix the situation as it is now going on 40 days.. They are waiting to base a decision off what the merchant says despite me providing them with all the emails and proof they asked for!! It should not take as long as its taking if I provided every piece of evidence and proof I have!

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 2022-05-05
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: Their investigation did not fix an error on your report

Complaint:
This is my third complaint to the CFPB and I have also written to the Credit reporting agencies indicating that my credit file is inundated with inaccuracies. However, the credit reporting agencies have repeatedly stated that these items were validated as being accurate. Clearly, this can't be the case when there are clear instances of inaccurate reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$940.00} XX/XX/2018 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I would like for you to investigate on the issue on Ally Bank. My initial complaint was filed XX/XX/XXXX for unable to access my account both online and through phone app. They couldnt figure out why. They asked me to clear cache, it didnt work. They reset my password and still didnt work. They give me a reference number XXXX. They said they will have their tech team work and get back to me, but they never did. I called again on XX/XX/XXXX to check and still nothing was resolved ; they said the same thing, theyll have tech team work on it and follow up with me. This time I was awakened enough to ask and know that I spoken to XXXX from tech who escalated to back office tech for further assistance and will get back to me. No one ever called me back. 

In conclusion, since XX/XX/XXXX until now, I am very frustrated that I cant access my accounts online nor thru the app. This is an online bank, my only access is online and app. Please help, thank you so much.

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 2022-05-05
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a called from my insurance agent stating my mortgage company, Freedom Mortgage put a stop payment to a check sent to my insurance ( FHA LOAN ) for the premium due to an address discrepancy. My agent also advised that this is a time sensitive matter and if they dont receive payment with a weeks time frame my home insurance policy would be canceled. So to give you the back story, This summer marks our 4 year anniversary at this home with this mortgage company and we have NEVER changed an address nor have we ever given them the address they are mentioning. I once had this same issue in the pass ( like a year or so ago ) with them and it was supposed to be updated. We have always had an FHA loan since purchasing and they have always made all payments as well as premiums to my insurance. So yesterday ( XX/XX/XXXX ) I contacted the insurance department and spoke to representative XXXX about my current issue. After being on and off hold for a total XXXX minutes, XXXX did confirm that XXXX XXXX XXXX XXXX is my mailing address. As for the property location the address is XXXX XXXX XXXX XXXX its completely wrong and he couldnt tell me why or when this happened. He stated he would email the claims department for further investigation. Asked to please allow XXXX for a response. We agreed and that was the end of the conversation. Today I received a call from him stating that XXXX received a response back from the claims dept and they are stating that after further evaluation the address ( XXXX XXXX XXXX XXXX ) is correct and if I don't agree I need that I need to dispute and submit a XXXX form? Not even sure what that form is. I need help and I need them to fix the issues they created.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inquiries in Dispute : Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA these doesnt and needs to be removed. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX 4. XXXXXXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXXXXXX XXXX XXXXXXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXXXXXX 11. XXXX XXXX  XXXX 12. XXXX XXXX 13. XXXX XXXX XXXX They have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX  with account number XXXX XXXX XXXX XXXX with account number 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 non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Equifax did not update my auto loan with XXXX XXXX XXXX XXXX in XXXX and is reporting inaccurate information. I have already tried to get XXXX to update it correctly 2 times, XX/XX/XXXX and XX/XX/XXXX. 

I have included my XXXX report for my auto loan to show that they reported it to them on XX/XX/28, which shows I am current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : 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 Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: PA
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 these companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 states a consumer reporting agency can not furnish an account without my Written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
An account was fraudently opened in my name and then the company continously contacted me to pay them via mail with a symbol on the packaging as well as excessive phone calls, both of which are consumer rights violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Bread Financial Holdings, Inc.
State: LA
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 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 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 2023-06-03
Company: Navient Solutions, LLC.
State: IL
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:
I recently reviewed my consumer credit reports and noticed that I have two accounts with Navient that are both reporting inaccurate for the month of XX/XX/2023 for all three credit bureaus in which I were never late for. The reports are showing on time for all months prior to XXXX than 90 days late for month of XXXX. The stated accounts accounts XXXX XXXX- XXXX XXXX XXXX XXXX {$4500.00} Principal and {$2600.00} Principal Please investigate and provide proof that with statements that these payments were late. 
These two accounts can not report 90days late without first showing 30days and 60days late.

I will like these two payments with this lender to be rightfully updated to paid on time as I were never late. 
Proof of inaccurate reporting is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NJ
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 item i need to delete are listed in the report. I am a victim of identity theft. I demand that y'all remove these items from my credit file to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank of America checking account was drained by someone across the country. I called and filed a claim the same day. I was told they have 60 days to resolve the claim and they would issue a temporary credit to my account within ten business days. XX/XX/XXXX On XXXX I called to check on my claim and was told the funds would be issued no later that XXXX. On XXXX I called back and was informed the 10 day rule only applies to claims under a certain amount and my claim was over it. They said they filed and expedite return On XXXX I received a letter in the mail from the bank that a temporary credit would be issued within 2 business days Letter dated XXXX. I On XX/XX/XXXX I called again the representative Wasnt sure why they hadn't been deposited and filed another expedite return for me, and said I would here from someone within 3 days. I also filed a complaint. I never heard back. XX/XX/XXXX I called and they again said theyd put in another request. and some one would call with in 3 days. On XX/XX/XXXX I spoke with another representative who told me I would hear from someone within 48 hrs. On XX/XX/XXXX I called again I was told there is no time frame on missing claims deposits and the other reps had given me miss information. XXXX the supervisor of the Tennessee branch informed me that his branch has been there for the longest and some of the other branches hadnt been properly trained. They were giving out old information and that they would contact me in the order that it was received. With no time frame. I keep going in circles being told different things and getting no help. Im behind on my mortgage and bills and they now say theres no time frame on when I might get my money back.. Im at my wits end. Please help

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 2023-03-10
Company: EQUIFAX, INC.
State: AL
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 submitted a dispute on XXXX about incorrect late payment reporting on my account for XXXX XXXX to Equifax. They did not do an thorough investigation, as they responded within 6 hours just showing my payments online. They are disputing I was 60 days late on XX/XX/2022, On time payment for XXXX 2022, 60 Days late for XXXX  2022, 90 days late for XX/XX/2022, and 120 days late for XX/XX/2022. This is invalid data. On my XXXX report I am showing 1 late payment for XX/XX/2022 at 30 days late. This is the only correct late payment. I have reached out to their support team via email several times to rectify this and they have not responded. The email I am sending it to is XXXX XXXX

Company response to consumer: Closed with explanation