BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: IL
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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
XXXX. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.

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 2017-05-19
Company: BOK FINANCIAL CORP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I sold our house through a short sale. The date of closing was  XXXX / XXXX / XXXX . However, Bank of Albuquerq ue ( BOA ) is  reporting the closing as  XXXX / XXXX / XXXX . This is impacting our ability and rate of a new home loan. I attempted to contact BOA and they gave me the run around and told me that I had to dispute the information with the credit bureaus and that I needed to call the title company as they would know why there is a year discrepancy. This is ridiculou s. BOA is  the one who agreed to the settlement. I have the settlement letter dated  XXXX / XXXX / XXXX . Additionally, it states right on the  Settlement Statement that the date of Settlement i s  XXXX / XXXX / XXXX . I am requesting from the BOA a signed letter stating that our closing/ settlement date was  XXXX / XXXX / XXXX  and not  XXXX / XXXX / XXXX . Additionally, I expect them to immediately correct this information with the credit bureaus as it is negatively impacting both my own and my husband 's  credit score . Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a fake job offer and the employer was not real. They sent me checks in order for me to purchase their required equipment. So I received XXXX checks of {$4800.00} and those went through. They then told me to wire transfer these funds to people claimed to be vendors to purchase the equipment. No equipment was purchased. I sent them the XXXX wire transfers of {$3500.00} required by the fake employer. Another XXXX {$1000.00} through XXXX to people they said worked for their company as well. Lastly the transfers all went through and now all the checks came back as invalid and chargebacks. I am now negative in my account because of this scam and I have never been scammed before. This money is large too over XXXX and I am just very disappointed and concerned for my situation.They also told me to purchase an XXXX and XXXX post paid plan with my own money first and they would reimburse me. Also I did buy those XXXX items and once I did they asked me to send it to their technicians in Texas to add a work tracking device to keep track of my working hours. So I sent both devices in hopes they would reimburse me and send the products back. They never responded to me again. Please help regarding these issues with the devices. I dont know what to do, I just feel so scammed. I dont want to pay monthly installment plans for them when I was taken advantage of. All of these transfers and fake checks happened beginning XX/XX/22 and the last transfer was sent XX/XX/22.

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am requesting the removal of inaccurate credit information from my TransUnion and XXXX  credit bureau. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I have reached out to both before and get the generic answer that they are looking into it or unable to find that I have a XXXX  Credit bureau. 

I reviewed a copy of my credit profile for both credit bureaus and confirm that there are inaccurate inquiries that are reporting on the credit bureau. I have never consented for my credit to be pulled and need for you as the reporting company to provide me with proof I consented to having my credit accessed. IF you are not able to provide me with that proof I need these removed immediately from my XXXX  and Trans Union Credit profile. 

TransUnion : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Mortgage XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will investigate these inquires with the creditors who have posted them. Please remove any information that the creditor can not verify. I understand that under the 15. U.S.C Sec 168i ( a ) you must complete the investigation within 30 days of receipt of this letter and provide me with the requested information. 

I am also asking for you to remove all fraud alerts that you have on my TransUnion and XXXX. I have never authorized or gave permission for these alerts to be placed and want them removed immediately. 

I have attached my drivers license for you not to send me a letter lying and telling me you are not able to verify me.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-02
Company: OLIPHANT FINANCIAL, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took a loan with XXXX XXXX not sure exact time line however, I could no longer afford due to health issues and less work hours. So I contact XXXX XXXX Legal attorneys and started in a program on XX/XX/XXXX made continuous payments up until XX/XX/XXXX when I checked in with XXXX XXXX they assured me payments were being made then I received collection notice to XXXX with a company I never heard of so I called XXXX XXXX they assured payments were being made to XXXX XXXX and gave me a number to call they said they never heard of me or XXXX XXXX  they were called XXXX XXXX and they gave another number same thing about 5 times I could not locate XXXX XXXX. And XXXX couldn't either so we didn't know where payments were going I was never notified of this prior turned out now a new lender with a different name who another lender sold to it was in about XXXX different loan companies and this last one after further investigation turned out to be Oliphant USA llc which I found out on my XXXX credit report I then found XXXX XXXX quit sending payments as of XXXX which I also was never notified a huge unprofessional mess this company also never reached out to me either if not for my credit report I never would of known of this mishandling of my money but yet month after month with a few missed months I was paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. XXXX  Account XXXX  XXXX # XXXX, Account Portfolio XXXX # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXXXXXXXXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a cash reward credit card from Bank of America, the starting credit line was around XXXX dollars. In XX/XX/XXXX, I accidentally paid round XXXX dollars, which means around XXXX dollars overpayment, and I did not know I could get that XXXX dollars back as cash at that time. Then during the first 6 months of XXXX, my credit card was used for purchases of around XXXX dollars without me noticing. I reported fraud to bank of america, and they returned that XXXX dollars back to me as credit in my credit card, and I was told by the agent that I can call the bank to transfer that extra credit to cash, but he did not tell me that I have to do it within that billing cycle. I did the following under the circumstance that I do not owe the bank any money, in other words, the balance of my credit card is XXXX. I called the bank on XX/XX/XXXX, and asked them to give my XXXX dollars back, however they told me that I can only do so if I requeste the transfer within the billing cycle which the overpayment happened. So that means I lose XXXX dollars for no reason. It makes no sense at all that I can not have the XXXX dollars back even though it has been a long time.

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 2021-09-28
Company: Chime Financial Inc
State: SC
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 Chime suspended my account they requested documentation all documentations have been provided to them attorney even reached out to them they failed to unsuspended account or provide me a refund for the funds that are in the account spoke to mini supervisor who keeps leading me in the same direction of sending email sending emails to Chime have very little communication just keep being so itll be resolved in 48 hours but over a week has passed my account is still locked I advise them that this situation is making me become homeless I have a hardship I receive a email back telling me if I keep emailing them it will delay the fact of them working on the account and they do have all documentation as that was required

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: SUNRISE CREDIT SERVICES, INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sunrise Credit Services , Inc. ( SCSI ) contacted me by letter dated XX/XX/2021 about an alleged debt of {$150.00} owed to XXXX XXXX. I received the letter on XX/XX/2021. 

SCSI is incorrect as I do not owe the debt, and I have documents proving that. 

I responded to SCSI 2 days later via letter sent certified mail and advised the company that I do not owe the debt, that I dispute the validity of the debt, and that I have proof that I do not owe the debt. 

I also notified SCSI that I presented my evidence to the previous debt collector handling this matter. That company then apologized, closed its file, and promised to remove the item from my credit report. 

I also asked SCSI for additional information, including proof that it is authorized to collect the debt. The return receipt shows that SCSI received my letter on XX/XX/2021. 

On XX/XX/XXXX, SCSI responded by sending the documents attached and marked as Exhibit A. These documents contain violations of the Fair Debt Collection Practices Act : SCSI has provided no evidence that it sought to verify the validity of the alleged debt, despite knowing that a previous collector stopped all efforts to collect it when presented with my proof of payment. 

SCSI has provided no evidence that is properly authorized to collect the alleged debt, as it has failed to demonstrate that it is properly licensed and insured in the state of New York, where it is located.

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 2022-12-31
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I advised I had no account with them XXXX nor did I have a contract with them .and to please provide documents to me. They said you dont have a account but u owe us because we bought your account from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We had a problem with our previous bank with payments being returned and that caused Ally to not allow ACH payments. The last time this happened was XX/XX/2022- ever since then weve been making direct bill payments from our new bank XXXX since then with ZERO now all of sudden some analyst review has locked down our account from even making direct bill payments ludicrous - weve had zero issues with this. Yes we are behind, yes weve had a financial emergency that set us back {$15000.00} which was supposed to have been noted. So now they want us to have us spend more money to make payments?!?!

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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To whom it may concern, I had some medical bills in the past. Which were all resolved between myself and the hospital. For some reason XXXX XXXX keeps coming after me for collections on behalf of XXXX XXXX XXXX XXXX which was in XXXX XXXX XXXX florida. They are asking for 2 different payments one for the amount of {$380.00} and XXXX. I paid them in full and this was all resolved and settled so I am unsure why this is still on my credit report.

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: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXXDept of ed : # XXXX, XXXX : XXXX XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-12-31
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 MAKER 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 THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation