BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-05-09
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX 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 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 explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
I was going through my credit file & realized that theres a security freeze on my credit file. I need to unfreeze/unlock my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dates : A few dates I cant see because I cant access my account. 
Bank Amounts : Should be totaling $ XXXX {$14000.00} Actions : My bank locked me out of my account because two friends of mine who even offered to come into the branch to clarify the situation sent me bank transfers regarding clothing business matters and rent since we all live together and they refuse to release the money to me so I can take cause of my bills. They are trying to also tell me I have to wait till XX/XX/XXXX to see any of my money when I dont have any right now at the moment. 
Company in Question : Bank of America, N.A.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
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. 

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 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have submitted two letters to the credit bureaus about negative accounts on the credit report. I have not been sent anything stating things are going under investigation for any reason.

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 2017-05-08
Company: SUN LOAN COMPANY INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
O n   XXXX   XXXX  ,20  17 I was informed  by S un Loan  company that the   XXXX    checks that I have written for  XXXX  was returned by   XXXX   XXXX    unpaid. I was informed that if I did n't pay them back for the checks and the  XXXX  fee for both of them. They will send them to the states attorney. I told them that I 'm having a hardship right now due to my health of a  XXXX  I have had. And they rudely told they did n't care. Those   XXXX   checks are from a complaint I file with   XXXX   XXXX    refusing to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with Capital One and had been paying off the balance in full to increase my credit score. I had this card for about a year before I had to move to the XXXX XXXX XXXX XXXX for a new job. The sale of my house in XXXX, where I was moving from, had a few bumps in closing. For a few months, I had to pay for my XXXX home mortgage and my XXXX XXXX rent, which was almost twice as much as the mortgage. My savings dried up and I had to rely on my credit card from Capital One. 

When I finally got my head above water, I found myself 6 months behind on that card with a balance of {$7300.00}. This was my fault and I accept the responsibility of letting this card default. 

On XX/XX/XXXX, I called Capital One to fix this. I was told that there was no way for me to partially pay of the balance and be able to continue to use this account. I asked if I could settle the account for less than what was owed. After some back and forth, I agreed that I could pay {$5000.00} of the balance in order to settle the account. I was told the remainder would be written off as " bad debt ''. I paid this amount through my mobile app on the same day after getting off the phone with their customer service. My part was done. 

I did not receive a letter from Capitol One confirming the account had been settled. They did not call me or send me letters regarding the amount that would be written off as " bad debt ''. Unfortunately, I was not great at monitoring my credit at this time and did not see that Capitol One never closed this account. 

On XX/XX/XXXX, I was woken up by a person banging on my door trying to serve me. I answered the door and the man informed me that Capital One was suing me for the amount of {$2800.00}. 

Since then, I have done some research on Capital One. They sue their customers more than any other bank and for amounts less than {$1000.00}. I have been forming my response to the court and will send it off shortly. 

I also called Capital One and the people I spoke to were also surprised that the {$5000.00} payment was not a settlement payment. I was told that they are looking into this but I am not sure what will come of that. 

Is there anything else I can do to fight this? I'm not trying to take something that isn't mine and I did my best to resolve the situation with Capital One at the time. I went through their processes and contacted their channels to solve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: KS
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:
I was a victim of ID theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. Ive already filed a FTC report. And the inquiries are, XXXX XX/XX/XXXXXXXX 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 2023-08-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I refinanced my home and reached a written settlement with Synchrony Bank PayPal Credit Card. The account was Settled in Full for {$2500.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' Synchrony Bank accepted and deposited my {$2500.00} check from the XXXX XXXX, marked as Settlement in Full. However, AFTER the payment was received, Synchrony Bank reported my account as " Charged Off '' with a balance of {$1500.00}. This report has occurred every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$1500.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). Synchrony Bank most recently reported this on XX/XX/2023, and I expect they will fraudulently do so again this month. As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has continued to be falsely reported.

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 2021-05-28
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: Information belongs to someone else

Complaint:
To whom it may concern i have 3 hard inquries from sync which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have recently been reviewing my credit profile and Ive found multiple hard credit inquiries from various institutions that I have no authorized. I would like to have them disputed. They are as follows : 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 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 not have, nor have I had accounts with these lending institutions. I have also never applied for credit with them either.

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 2023-05-27
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In XXXX with the Fair Credit Reporting act, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with Coinbase which I have held for many years. In early XXXX I tried to withdraw funds from the account. The Coinbase system came back with a message that said my account was restricted. I can deposit funds into the account. I can purchase additional products. I can't withdraw any funds. After 4 weeks and several attempts to send my ID over the secure link they are providing they continue to say they can read my ID and will not unlock my account. This has been going on since XX/XX/2021 and continues to today. 
THIS IS THE MESSAGE I GET BACK FROM THEM ( ) As we've checked your documents, it appears that you were able to upload your ID Selfie successfully. However, it seems that the ID you uploaded shows as blurry and we're unable to read it on our end. ) The case number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On XX/XX/2021 I was a victim of credit card fraud what I believe was done through XXXX. Bank of America 's voice automated system called me to verify someone was attempting to add my card to a different phone. After being prompted to decline this activity my account was compromised anyways and was charged a total of {$1200.00} in fraudulent transactions. 

After disputing these transactions Bank of America decided that a transaction of {$210.00} from a XXXX in XXXX, XXXX would not be credited back to me because there was enough evidence to prove I had done it being that I shop there frequently. I live in XXXX, XXXX  and would like to bring up the fact that this was an in store purchase. Bank of America did not do its due diligence in protecting my accounts and is not completing their investigations thoroughly. Because there is no PIN number associated with credit card and my signature was not compared rightfully to the one used during purchase, I was not given a fair investigation and thus am decepted by Bank of America. 

I have called numerous times to resolve this issue with Bank of America but they continue to reopen my dispute and find it not in my favor causing it to effect my credit score negatively.

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 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my Bank of America account XXXX XXXX XXXX Account XXXX I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XXXX. I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America XXXX and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and XXXX Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. Bank of America never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XX/XX/2023 I was contacted by XXXX XXXX Resolution XXXX at XXXX of XXXX XXXX She told XXXX Bank of America is not going to get my money back from XXXX bank. She stated I can call XXXX Bank and ask for my money back. 

I contacted XXXX Bank and was told these claims are handle bank to bank. I was told by XXXX bank I can not do anything and to have my bank contact XXXX Bank. Bank of America is giving me inaccurate information in an effort to circumvent returning my money and closing my claim.

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 2023-05-24
Company: EQUIFAX, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX and in XX/XX/XXXX I contacted Sequium Asset Solutions for attempting to collect on a debt that was paid to XXXX XXXX prior to the reporting of this account on all three of my credit reports. I contacted XXXX XXXX to validate that this debt was paid in full and they stated there was no debt owed and they have attempted numerous times to recall the Debt from Sequium Asset Solutions with no response. I contacted them again and spoke to the manager of the customer service section who stated that he refused to acknowledge that the debt was no longer owed and refused to acknowledge, even with proof from XXXX XXXX, that there is no debt owed. I have sent in all correspondence to the debt they are trying to still collect on for XXXX that is not owed ad they have yet to remove this account from my XXXX credit report, falsely reporting a debt that is not owed. I have contacted them in XX/XX/XXXX as well and they still refuse to adhere to the FCRA and negatively reporting an account that is not owed and was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation