BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax numerous time in reference to the XXXX  XXXX XXXX Account this showing on my credit report. this account does not belong to me. I DO NOT or have I had A XXXX  XXXX XXXX ACCOUNT. 

XXXX  XXXX XXXX XXXX late payment {$650.00} Closed Account info Account name XXXX  XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving Date opened XX/XX/XXXX Open/closed Closed Status Not more than two payments past due Status updated XX/XX/XXXX Balance {$650.00} Balance updated XX/XX/XXXX Credit limit - Monthly payment - Past due amount {$47.00} Highest balance - Terms-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have called XXXX XXXX XXXX XXXX several times to resolve this old account. The last time I called them was on XX/XX/XXXX at XXXX am. I was unable to get anyone to help me. The representation that I spoke with was clueless about this account. The representative stated that she would follow up with me but she did not. The account is a time barred account. 

( b ) Legal actions and threats of legal actions prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. 

The Debt has been listed on my consumer report since year XXXX and it was charged off in year XXXX. XXXX XXXX XXXX XXXX continues to ignore my attempt to get this this matter resolved. This time barred account is preventing me from acquiring credit, I have had sleepless nights over this old account and it has hindered me and my family from moving forward in our lives.

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 2023-08-18
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I tried to apply for the Apple Card Credit Card online on XXXX While filling out the application through my XXXX, I encountered a problem with my address. The application does not accept XXXX XXXX XXXX. I am a XXXX XXXX XXXX participant in the State of Minnesota, and have been for many years. XXXX XXXX XXXX is a confidentiality program designed to protect my physical address so that I can not be found by the person my life is in danger from. The legal address that I was issued by the Office of the Minnesota Secretary of State is a lot number with a XXXX XXXX XXXX. This is the address on my Minnesota State Driver 's License. My bank, doctor, school, and every company I have an account with uses my XXXX XXXX XXXX address as my legal address. I called the XXXX number and was connected with an Apple Card Credit Card specialist at Goldman Sachs . I explained my issue with trying to apply for the Apple Card online and was told that Goldman Sachs only accepts physical addresses as an address for the application. I explained that I was a XXXX XXXX XXXX Participant and all that entails, and I was essentially told that did not matter, Goldman Sachs only accepts physical addresses on applications. I told the credit specialist that I wanted to file a complaint because this seemed discriminatory. She had me talk to her supervisor, who told me the same thing, that Goldman Sachs only accepts physical addresses on applications. When I asked to file a complaint, she said she needed to look up my information first. I gave her the last four of my SS, my DOB, and name. She told me she could not find me anywhere in their system, and thus could not file a complaint on my behalf. She told me I could call Apple and file a complaint with them instead. After hanging up with Goldman Sachs, I called XXXX and spoke with a representative and told her what happened. She filed a complaint with Apple for my situation, but could not resolve the issue since Goldman Sachs will not accept my legal address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
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. 

Account Name XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name U S Dept of EDXXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX have 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 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


XXXX Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX Act # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 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 explanation
Consumer complaint received 2023-08-20
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX before submitting the lease application to XXXX XXXX XXXX I noticed a significant decrease in my credit score, appeared to be caused by " XXXX XXXX XXXX XXXX and " Hyundai Motor Finance '' making initial inquiries of my credit on XX/XX/2023 Although I was approved by the above refenced lenders, I have not proceeded with the lease because the credit reporting bureaus keep sending fraud alerts about inquiries from these same companies! 

Complaint : The companies appear to running credit checks on me without my consent. 

Applicable Questions : XXXX. How do they run credit checks before I submitted the application? 
XXXX. How do they continue to run credit checks on me after the application was approved? 
XXXX. How do I stop 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 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Disputed the following unknown inquiries that I did not authorize that still havent been removed from my Transunion credit report : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX 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 2023-05-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened the American Express Delta Skymiles in XX/XX/2022 for the bonus rewards they were offering to me as I was trying to book a plane ticket. Not only were there bonus miles but also a statement credit. There Terms and condition state " Welcome offer ( s ) may not be available to applicants who have or have had this Card or previous versions of this Card. American Express may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your offer eligibility. If an offer is not available to you, we will notify you prior to processing your application so you have the option to withdraw your application ''. I did previously have an American Express card which had been closed for a while but I never received " notification prior to proceeding that the offer was not available to me. '' I would not have proceeded as the card has an annual fee. To me, by opening the account, they had concluded I was eligible. I called and they basically said the reason I did not get the rewards was because I was ineligible which provides nothing. Due to other circumstances, I had been one day late on payment where they charged me a late fee, interest for the entire month and then continuously as they removed the general grace period on normal charges without any notice which was so ridiculous I decided to just cancel the card. The retention person then somehow got more information as to why I was not given the rewards which was apparently due to me having an American Express rewards card that was NOT a Delta card. Per their terms and conditions, if that was the case, they should have informed me before opening the account. They really played the bait and switch and barely could communicate why I was not eligible, go above and beyond to whack you with every fee under the sun and charge you as much interest as possible. I didn't even need or want the card but due to the rewards thought it could be beneficial. Due to American Express shady business practices I got no rewards and charged about $ XXXX in fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo charge my account from XXXX XXXX XXXX, I paid my insurance through a different banking, and now Wells Fargo are delaying my fundings a close account, that I never close and kept my {$280.00}. I asked claim department to give me a pacific time when the funds will be available. Its been almost 2 weeks no results.

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 2022-09-29
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Called to get student loan refund under CARES Act XX/XX/XXXX. I was told I would receive confirmation or updated balance within 4-6 weeks. I called them again XX/XX/XXXX and was told it could take weeks or months longer. There is no accurate timeline given and no progress in refund process. Other service providers are processing within 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I have yet to be contacted regarding resolving fraudulent charges on my Bank of America credit card. Initially they refunded my card of charges around {$3000.00} for fuel purchases over a couple month period. I requested my visa be cancelled and reissued a new card number. B of  America took th e money back after their 'investigation ' stating that it could not be fraud because a chip card was used. Clearly my banking history for more than 20 years with this same bank shows I have never made purchases like this. It 's not even possible to buy as much gas as was being charged within the same day  ( s )  at multiple locations when worki ng 40 hours+ a  week. I have been to  2 Ba nk of America branches in-person to have this looked at and brought documentation. It was a bank mgr that informed me of card cloning. I have been in contact with the week-day fraud depart., the customer svc depart, the weekend/after hours fraud depart, everyone does/says the same thing - they apologize, say they will have someone contact me re my appeal of the denial and my requesting a further investigation. It 's been over a year. Yes, over a year. I 'm so irritated that I 've only been making the minimum payments since this happened, I initially never activated my new card number because I want to close my whole banking experience with B of A because of this. Not  one pe rson has followed through with my multiple requests. This is absolutely unbelievable.

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 2023-08-18
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an on going automatic payment for my car insurance and my card didn't have enough funds so it got declined but I payed for the first month of my Insurance witch i got but the time that the card didn't go through they cut my Insurance but they still wanted to get paid? How do you charge me if I don't get the service?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
REf CFPB XXXX # XXXX. Well at least XXXX XXXX has admitted that it was a motor vehicle record. Now find out what the motor vehicle record was, and the date and location of the motor vehicle record. 

# 2 I have already contacted USAA, my insurance carrier, and they can not tell me anything about the alleged conviction. XXXX XXXX response Is Not really a response. 

3. XXXX XXXX claims they can not identify my identity because they can not fully authenticate my identity with a copy of my Letter from USAA, my insurance carrier, a copy of my passport, and a copy of a recent statement ( that includes my address, from my insurance carrier. If this is not sufficient, I don't believe they should be spreading disinformation about a " conviction '' ... which is what they told my insurance carrier. 

4. XXXX XXXX has lied in that I have not recieved an email from them. 

5. I have not received a call from XXXX XXXX but damned if I'd tell a caller anything about my identity in this day and 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 2023-02-22
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:
Below the following inquiries were pulled without my knowledge : 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 2023-04-30
Company: TRANSUNION INTERMEDIATE 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:
I have disputed the ownership and accuracy of XXXX XXXX account number XXXX with all three credit reporting agencies and the information comes back verified and/or updated There are many inaccuracies in the reporting of this account 1 ) The high balances report different dollar amounts 2 ) The last date verified is not listed 3 ) The dates the account was opened is inaccurate 4 ) The date the account was closed is not listed or inaccurate 5 ) The date of the last payment is not correct 6 ) The credit limit is inaccurate or not listed Per the FCRA consumer reporting agency must maintain maximum accurate information in a consumer report All three agencies are reporting different information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: Experian Information Solutions Inc.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In  XXXX  of  2016 we found  out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2  payments to  XXXX  at this time.  One  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the majo r Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /   16 makin g  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with   Credit Reporting Companies.

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 2023-11-01
Company: EQUIFAX, INC.
State: CO
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:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

Company response to consumer: Closed with non-monetary relief