BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: NV
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 discovered that Equifax credit Bureau reported the same account in my credit report which is incorrect when I reviewed it. The bureau requires to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent hard inquiries on Experian and XXXX credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has multiple hard inquiries

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 2023-06-05
Company: Money Transfer Acquisition, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
ID FOR COMPLAINT # XXXX Hours after I filed the complaint with the CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX eligible money, so that the person in my country could withdraw it, without giving a reason, or any investigation case number, not giving any explanation of the right or law, they withheld the money, I withdraw the complaint since everything was resolved resolved today XX/XX/2023. 
if it is convenient to transfer these suspicions case to any investigation department that is interested in this case, to protect the consumer and avoid fraud or use of personal data in illegal illicit things. I agree, especially the payer in XXXX thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Equitable Acceptance Corp
State: NC
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 been trying to dispute equitable acceptance off my credit report itd decreasing my credit this is something I cant control. This company is a 3rd party scammer Through XXXX XXXX XXXX I was making auto draft payments for about 2 years {$42.00} I reached out to my bank to stop payments and I spoke to a NY lawyer who explained there is a lawsuit out now and Im not the only one effected by this. I want this company removed off my credit. XXXX XXXX XXXX was removed off my credit so should equitable acceptance please remove this or I will get a lawyer involved for something I cant control

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: JPMORGAN CHASE & CO.
State: AR
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:
There is a fraudulent account fr CHASE FREEDOM ending in XXXX. And because I could not verify all the address information and phone numbers they would not allow me access to the get proper information, this account does NOT belong to me I have NEVER opened an account with chase as I have never heard of them either. They are not located in here. I also never gave anyone permission to use my information as it is on the dark web via an XXXX data breach because there was also XXXX accounts and XXXX opened in my name as well. More things not even in my area, I want this removed off of my reports immediately and my social security number REMOVED from their system. I check my credit report once a year usual and then I see this stuff on there I have absolutely nothing to do with. This is a fraudulent account remove or I will contact my family attorney to handle this as its illegal to knowingly have fraud information. On someones credit report and leave it there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MO
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 sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO 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 2023-01-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Ive reached out to all three bureaus multiple times over the past 2 years months asking for my personal information to be updated. They keep procrastinating they've also sent me a letter asking me to verify that it is me that's sending the letters, so I also sent hand written letters as well. But it is now becoming a huge frustration because there is a lot of inaccurate information on my credit file along with someone else name. At this point the neglect to the situation is absolutely unjust. This is hindering me from achieving my credit goals and is totally unfair to me as a citize. After multiple communications and still not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Harvard Collections, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am not liable for this debt with the Illinois Department of Human Services. I do not have an account or contract with the Illinois Department of Human Services. I do not have an account or contract with Harvard collections. 

Harvard Collections Sent this account to collections XXXX XXXX with the following information : Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1200.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE I disputed the account via XXXX, and it was removed from my credit report. 
The account was reported again in XX/XX/XXXX with the following information : Account info Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE The first time this was sent to collections it states that the Date opened is XX/XX/XXXX. The second time it is sent to collections it states that the Date opened is XX/XX/XXXX. 

Again, this is not an account that is associated with me, and I have had no contact or correspondence with Harvard Collections. This has caused my credit score to drop significantly, negatively affecting my financial health. I would like a permanent resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I've noticed that I had received a few email communications and marketing information for " XXXX ''. We share a last name but my name is not XXXX, and I do not know anyone with his name. Because of this, I deleted the emails considering them junk/phishing emails without really looking at them and believing it was a fluke that would resolve itself soon enough. Today I just happened to read the information in the email and realized the email had the customer 's full name, the last 4 of their credit card number, available card balance, and referenced his birthday. In my opinion, this PII is a great starting point for identity theft. 

So today, I contacted Lowes Credit Services/customer care ( Synchrony Bank ) to advise them of the issue and share my concern that if they are sending his information to me that I felt my information may be compromised as well... I spoke with XXXX at approximately XXXX XXXX XXXX who told me it couldn't happen. Well obviously it can because I'm getting his email which has a lot of his personal information. 

I conceded that maybe she might not have the tools to investigate further but I was extremely concerned that she wasn't even considering escalating this issue or trying to identify the correct person to which the issue should be passed. As a database programmer, I felt fairly certain that the 'correct person ' could search by email address ( since I'm receiving his information via email ) and find out whose account information I was receiving. I offered to provide my email address so they could search by email and find the account but she expressed no interest. I didn't want her to confirm his information with me... I wanted her to identify and fix his information and verify that mine isn't being sent to someone else.

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 2023-09-06
Company: Atlanticus Services Corporation
State: VI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint concerning an inaccurate late payment that is erroneously reported on my credit report. I wish to emphasize that I have never been late on this payment, and the inclusion of this late payment on my credit report is a significant error that is adversely impacting my creditworthiness. 

Account Information : Creditor Name : FORTIVA ] Credit Report Bureau : [ XXXX XXXX XXXX XXXX XXXX [ XX/XX/2022 ] Description of the Issue : Upon a thorough review of my credit report, I discovered a glaring error : a late payment is reported for the account mentioned above. I wish to clarify that I have consistently made timely payments on this account, and there has never been any occasion when I was late on a payment. This erroneous late payment notation has unfairly diminished my credit score and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: GOLDMAN SACHS BANK USA
State: IN
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 Report Act XXXX, Account Number : XXXX from Apple card has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS ACCOUNTS ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. 
Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} ; Inquiries : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2022-12-12
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Rosebud Economic Development Corporation
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Applied for a loan, was approved, asked for all of my personal information they have screenshots of my bank accounts and social. Called again to their number and was told I was denied after I was told I would receive the money next business day. Now my calls are blocked.

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 2023-01-19
Company: Remitly, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have filed several legitimate disputes about issues with purchases but XXXX has not always properly investigated them or says that they have done so but actually have not. I have asked for information on how they came about these decisions but they have not provided information. I believe XXXX is violating my XXXX XXXX rights to dispute transactions for some reason and this isn in violation of both federal law and state laws for California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and Transunion are reporting incorrectly that I am in 'charge off ' status for the XXXX XXXX ( page 32 of the attached credit report ) partial account number XXXX. I contacted XXXX XXXX at the customer service number and the representative told me they could not locate any records of this account in their system. This incorrect reporting is harming my credit score.

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 2023-09-05
Company: CHARLES SCHWAB CORPORATION, THE
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Charles Schwab blocked my accounts for fraud alerts, but I've never had a fraud problem. The bank often label most of my transactions for fraud without a real reason. They asked me to send a notarized letter with my ID to confirm my identity ( again ). This was 7 days ago. I sent the notarized letter 6 days ago. I still don't have access to my funds and these are my only accounts. I am in a XXXX XXXX without access to my money. I ran out of medications and food. They are not giving me answers or solutions. My health and other aspects of my life are at risk for this situation. I call every day twice and they don't do anything. Please, help me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: MD
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo XXXX FL XXXX, No longer have them, but they owe me money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TD BANK US HOLDING COMPANY
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:
On my report the companies that I didnt apply or doing business with are showing. 
These are XXXX reports on my account and Ive never applied their services or doing business with them. Please remove these from my report. 

TD auto finance XXXX XXXX XXXX TD auto finance TD auto finance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony Bank discriminated against me for extension of credit. 

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 2022-03-22
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2020-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I see there is an active lawsuit pending against Fifth Third Bank I have closed my checking account with them maybe six months ago but I am still receiving email alerts from them about my checking account as if it remains open. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation