BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
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: Account status incorrect

Complaint:
I have filed several disputes with experian and they have done no research to look into my claims

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 2023-11-21
Company: EQUIFAX, INC.
State: CT
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:
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. 

Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 am a victim of identity theft. I recently received a copy of my credit report and upon review discovered the following account that was not opened or used by me : BANK OF AMERICA ; Date Opened XX/XX/2021 ; Balance {$8700.00} ; Account Number XXXX. I do not and have not ever lived at the address where this card was sent or used. This is not my account.

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 2023-03-10
Company: GOLDMAN SACHS BANK USA
State: WA
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:
The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and Goldman Sachs. The bank that has reported an unfair and unethical delinquency is Goldman Sachs. I opened an Apple Card with Goldman Sachs in XXXX of XXXX. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/XXXX, XXXX several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of Goldman Sachs that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at GS bank. Several months later I found out this was not true as my XXXX XXXX decreased for this very reason. I have talked to several members at both Goldman Sachs and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where Goldman Sachs passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with XXXX twice who then circles back with Goldman Sachs who states that the delinquency is correct. Goldman Sachs states that XXXX marked the charges as " unauthorized '' and XXXX states that Goldman Sachs pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that Goldman Sachs tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from Goldman Sachs which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam, Subject : Dispute of Unauthorized Inquiries on My Credit Report in Accordance with 15 USC 1681b I am writing to dispute several hard inquiries listed on my credit report, which have been made without my authorization or consent, in violation of the Fair Credit Reporting Act, specifically under 15 USC 1681b .

The following unauthorized hard inquiries are negatively affecting my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not authorized these lendersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXto access my credit file or perform hard inquiries. These unauthorized inquiries are not only inaccurate but also have the potential to negatively impact my credit score and financial standing. 

As per the guidelines established under 15 USC 1681b of the Fair Credit Reporting Act, the inclusion of unauthorized hard inquiries on my credit report is a violation of my rights as a consumer. These unauthorized inquiries do not represent any credit application or agreement made by me with these lenders. As a result, I insist on the immediate removal of these inquiries from my credit report to restore its accuracy and integrity.

I kindly request that a thorough investigation be conducted into these unauthorized inquiries and that they be promptly removed from my credit report. Additionally, I request written confirmation once these inquiries have been deleted.

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries for your reference and investigation. 

I am expecting a swift resolution to this issue in accordance with the Fair Credit Reporting Act. Your immediate attention to this matter is highly appreciated. 


Thank you for your prompt action and assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports 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 2023-11-07
Company: EQUIFAX, INC.
State: NJ
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:
These outrageous inaccuracies not only subject me to embarrassment but also constitute a significant barrier to my rightful access to credit. You and I are fully aware of the laws designed to ensure that credit bureaus exclusively report veracious credit information. It is abundantly clear that the incorporation of such blatant falsehoods in my report is either a colossal error on your part or a grievous misstep by the reporting creditor. I am seething with frustration over the unjustifiable inclusion of the following erroneous details in my credit report : XXXX XXXX XXXX and please take note that, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim. I look forward on you removing the late payments and negative status of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: AZ
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: OH
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:
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. 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. Please remove the following accounts : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate

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 2023-11-07
Company: EQUIFAX, INC.
State: CA
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: I.C. System, Inc.
State: GA
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 a negative remark on my credit report. A bill that was paid over a year ago. I have confirmed with both the Family practice and the collections dept that the bill was paid, yet still a year later, it remains on my report. When filing a claim dispute with XXXX, they claim that the info on my report was accurate, which leads me to believe this is just a generated response, because they obviously did not investigate at all. This item has affected my credit score for over a year now and my next step is legal action towards transunion. The negative on my report is with IC Systems for {$880.00} from XXXX XXXX XXXX and again, this bill was paid in XXXX of 2021. Thank you for your time. 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 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My Bank of America credit card which had not been used in a year and dont even have a card, was charged a yearly fee for AAA , I never received a bill or any attempt to collect, I was charged several late fees. When I checked my credit report, which I check often, I noticed a XXXX day delinquent acct, I called Bank of America and paid the charge and closed the acct, they told me twice over the phone that they were sending a letter to the credit bureau to revoke the missed payment as I was never alerted or given a chance to pay, I have disputed XXXX  with XXXX and they are telling me BOA is claiming the missed payment is correct and experian wont or cant reverse the negative reporting.

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 2023-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
This is not about the transaction directly bank of america resolved all 23 disputes except 2 the first 2 of the 23 were closed out in error during a system maintenance back 2021. BofA will know that exact info as I don't have at the moment. I do have it. BofA alerted me of the problem and resubmitted the claim to be reopened. During covid nobody was looking at the claim n why it was closed n just denied re opening. BofA admits all this they admit those 2 claim are still being worked on 3 yrs long bofa admits they never refunded me the XXXX n XXXX the 2 claims total. They tell me just wait longer. However over the past 6 month I have got at least 12 letters saying interest n fees from these claims had been credited bk to my closed account n to call in to request a check but then I call n bofa says no there still working on it. I get money bk for fees that means I won the dispute u XXXX credit bk interest n fees for a valid debit bofa says just because there paying me interest on the money in dispute n the fees don't mean I won the dispute. I never get any money bk on good debits. Other then cash bk program for spending. Forget the fees n give me bk the {$10000.00} I offered just half I'd eat 50 % of it nope bofa likes I eat 100 % best

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 2023-06-14
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was supposed to get a refund of around {$100.00} dollars weeks ago circa XX/XX/2023. They said they couldn't put on my original card cuz I got a new one and they offered no options on the refund Then they said they could put it on my new card and it apparently " bounced back '' and to call the bank. The bank said that didn't happen. They ran it again and it didn't go through. I called and they said they would put on a refund check and it would take 14 days to process and it never came. This morning I got an email stating it couldn't " go back on the original payment method ''? I was so confused that they lied and wouldn't give me a refund. I don't want to wait 2 weeks for a check being mailed to me as previously promised. I want it on my new card from the same bank because I got a new because of fraudulent charges. I'm XXXX XXXXXXXX and desperately need that refund on my new card ( as promised ). I think it was because from the initial payment that they got sued by a federal agency for never doing again to people without services being performed. I will never use Lexington Law again. They had 5 items removed after paying 3 months of {$100.00} and my score was displayed was way higher on XXXX then it actually was when I checked XXXX officially. I do not recommend this business to anyone! I tried to go on the lowest costing plan ( {$25.00} ) but they said they can only remove one item in 4 months. So you're actually paying to have {$100.00} to have one item removed. I'm so upset I may whistleblow CFTB. So disappointed.

Company response to consumer: Closed with explanation