BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have over 35 inquiries on my credit report since XX/XX/2020, I have sent over several certified letters to all three credit bureaus to remove the unauthorized inquiries that are not account holding. I have not received any response from the credit bureaus or creditors. Lastly, there is a fraud alert on my Transunion report since XX/XX/2020. and has never been contacted about any inquiry unless it is tied to an open 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 2020-05-28
Company: Experian Information Solutions Inc.
State: MI
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-10-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am writing to file a formal complaint regarding inaccessible funds with my Apple Credit Card account On XX/XX/23, I transferred {$9400.00} from my Apple Credit Card account. However, while this amount has been withdrawn from my account, it is not accessible to me. When I attempt to use my Apple Credit Card for purchases, the balance shows only {$4.00} available credit. 

I have attempted to resolve this issue through customer service requests [ explain attempts, dates, who you spoke with ]. Unfortunately, the problem has not been resolved and I remain unable to access the {$9400.00} I withdrew from my account.

This situation is unacceptable and has prevented me from being able to make essential purchases. I rely on access to the credit I have been granted by your institution.

Please advise me immediately regarding what steps you will take to restore my access to the withdrawn {$9400.00} funds, so I can make necessary payments. If this issue is not resolved within 5 business days, I will escalate my complaint to the Consumer Financial Protection Bureau and consider legal remedies.

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX  credit card declined. The last three times I have used card it was declined but when call company was told there was no problem. When I called today, XX/XX/XXXX , the said they had closed account. The card was in my deceased husband 's name. However, within a week after his death, I took death certificate to bank and they changed name of checking account, savings account, overdraft protection, and another credit card. The account that has been closed showed I presented death certificate but a bank employee failed to complete the necessary process. I have used this card with my name on it for almost 4 years ( his death was  XX/XX/XXXX ). This card had a {$21000.00} limit and {$530.00} in cash rewards. Payments are current and balance is {$1200.00}. They will not even give me the cash rewards as will only issue check in deceased husband 's name. It finally registered why they are doing this when was told they were scrubbing accounts ( after 4 years ). When he mentioned it was not discrimination, then I realized they do not want a   XXXX   year old retired person with that high of a credit limit. My charges made have always been low and payments made. This is obviously age discrimination. At the least, I want my {$530.00} cash rewards.

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 2022-12-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The XXXX XXXX in XXXX, Florida suggested that I get the Care Credit Card through Synchrony Bank so I signed up for it. However, he began to bill me twice for services I had already paid for out of pocket in cash. Also he billed me for services he never even gave me. All of the charges under the Care Credit account were not given and were unauthorized. He forged my signature for the credit card payment. I never agreed to pay the fraudulently charge amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2022-04-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX issued me a credit for {$90.00}. Their bank is COMENITY BANK. 
I have asked several times for my credit to be posted to my my COMENITY CREDIT CARD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 2023-05-16
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: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance XXXX {$240.00} ; XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX XXXX : {$24000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I contacted Equifax to clean up incorrect information on my credit file and to have them update the credit score which is more than 150 points less than the other bureaus. When I called I provided them my full name, social security number, date of birth and address. Then they wanted to verify other information on my report. So, I gave them the auto loans, credit cards and student loans that I have open. They then asked me to give them the same information for accounts from the past. I have not had any of these type accounts for over 10 years and I do not remember the names of mortgagers or finance companies I had products with. After spending all this time answering their questions ( 15 minutes ) they then say they can't help me because they can't verify the answers I provided! This is the third time in the last two years they have done this. The end result is I can not correct the bad credit rating they have on my account because they are using information that is likely wrong to determine if I am who I say I am. I need a remedy so that the appropriate changes can be made to the credit record they have with my name on it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/23, amount {$1400.00} Quickly called card company when I got an email about a purchase. While on the phone, another transaction was trying to go through, so they closed the account and blocked the order going through. My fraud claim was denied because it shows it was delivered, but when checking with XXXX package was not delivered to my house and was signed by a person who I do not know or live with. I have sent it proof of where package was delivered, who it was signed for, and a screen shot of someone trying to access my account, claim still denied. Item was also bought, shipped, and delivered on the same day.

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 2019-10-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband lost his job on XX/XX/2019, which resulted in approximately {$7000.00} in net income. 
We submitted a loss mitigation application to SPS in XX/XX/2019. Each time I reached out to SPS regarding the status of my application, I was told that additional information was needed. Quite often the information I was told was needed had previously been submitted or questions regarding an item on a document was verbally explained to an SPS representative. I had to explain, on more than one occasion, the relationship between an XXXX XXXX driver ( which I do on a very part time basis ) and the company ; and that I am an independent contractor and as such choose to drive when I want, so my income varies. SPS requested P & Ls, which I timely submitted. 
Additionally, on two occasions I have had to clarify my husband 's re-hire date of XX/XX/2019 ( this was also explained in the hardship letter submitted in XXXX ). 
The documents we submitted then became stale dated, so updated paystubs, bank statements etc had to be resubmitted. 
We received a letter dated XX/XX/2019 stating that SPS had received " ... your complete Assistance Review Application including all required information and documentation necessary to evaluate your account for loss mitigation assistance on XX/XX/2019. '' The letter further states that a decision shall be rendered within 30 days. 
However, when I followed up with a phone call to SPS on XX/XX/2019, XXXX XXXX, told me that additional information was needed : an updated bank statement. The bank statement was submitted the next day. 
Today, XX/XX/2019, I contacted SPS and spoke to XXXX XXXX regarding the status of our loss mit review. Mr. XXXX told me that additional documentation was needed and that my husband 's pay stub had been rejected and clarification was needed regarding my husband 's rehire date on XX/XX/2019. I was also told that the P & L that was submitted had also been rejected. Once again, on two prior occasions I clarified his rehire date along with addressing it in our hardship letter and previously submitted ( over 1 month ago ) the P & Ls. 
Based on SPS ' letter dated XX/XX/2019 they have received a complete package and should not be requesting additional information at this time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Company: EQUIFAX, INC.
State: DE
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I pulled my consumer report and notice a few unfamiliar items. I ask that these items are removed from profile immediately. Accounts are as follow 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 2022-12-28
Company: Maximus Education, LLC dba Aidvantage
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX it shows claim payment of over {$29000.00} along with interest and they can not tell me why or apply it to my account. I have been in contact with since XX/XX/XXXX. I want to know why the credit is on there and why they have not credited my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rash curtis and associat. 
XX/XX/2017. 
{$350.00}. 

Rash Curtis and associates. 
XX/XX/2017. 
{$200.00}. 

This debt has been paid by the insurance company at XXXX XXXX XXXX. 
This is an invalid claim. 

I've contacted rash Curtis and Associates and asked them to physical email copies of these bills and they refused. They only offered to email copies of the bills. I will not divulge my email to a harassing credit agency like this. I want these removed from my credit report it immediately until we can go to court and get this harassment stopped once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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:
Hello, I recently reviewed my credit report and reached out to credit bureau to advise of incorrect accounts on my report. I provided them that dates and information are inaccurate and not my accounts and requested for accounts to be removed. Also, requested documentation on accounts. Not only were accounts not removed but they didn't send any information to confirm how investigation was completed and how they determined accounts were accurate. The deliberately are breaking the law and these accounts are inaccurate and need to be removed asap.

Company response to consumer: Closed with explanation