BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: TX
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting 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:
Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. 

XX/XX/XXXXXXXX  I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. 

Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.

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 2023-07-13
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Good afternoon, my debt was bought over from XXXX XXXX XXXX XXXX. Upon finding out about the debt I made payment agreements with LVNC Funding LLC to start paying off my debt. I began paying, then COVID hit and I was no longer able to pay thus said debt. I'm still not able, I'm currently unemployed and only received adoption subsidy. I recently received notice that I'm being sued by LVNV Funding LLC. This has affected my credit score greatly, at the time of agreement I had no knowledge of debt validation, and my rights. I've also learn that they are not licensed to collect debt in the state of New Jersey. Please I need some help, I'm really trying to fix my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank 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 2023-05-25
Company: EQUIFAX, INC.
State: CA
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 been violated. My federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Employer : XXXX XXXX Names : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Company: EQUIFAX, 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:
There is information that is on my credit report that is a result of identity theft. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this harmful information be blocked and deleted. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: LEXISNEXIS
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:
I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 a 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 2022-11-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my loan has been approved for home retention and I wish to move forward with the loan modification however Citizens Bank still has not sent me the final modification documents needed to finalize the modification. I was initially told by Citizens Bank loss mitigation dept that it could take 2 weeks to get the final modification documents generated from the initial approval. It has now been 6 weeks and the final modification documents still not have been generated. The approval letter from XX/XX/XXXX clearly states that In order to accept this offer, please send back the final modification documents, signed and notarized ( if applicable ) by XX/XX/XXXX, The letter also states that if I dont send the final modification documents my XX/XX/XXXX my modification will be null and void I am worried that by not getting the final modification documents sent to Citizens Bank by the deadline of XX/XX/XXXX, it will be used against me to null and void my modification as stated on the approval letter. North Carolina is a non-judicial foreclosure state so I can lose my home very quickly if the investor that owns my loan starts the foreclosure process. I WANT TO KEEP MY HOME!! Citizens Bank is not servicing my loan correctly by not sending me the final modification documents in a suitable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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:
Account was oppened without my knowledge. Ive disputed it multiple times with the credit beuroes. Keeps coming back as " Account was in dispute-now resolved-reported by subscriber ''. Inncorrect reporting for multiple reasons. It's shows on time payments since XXXX ( 6months ) I've only made 1 payment ever last month ( XXXX ). " XXXX XXXX XXXX XXXX has flagged your account as Card Over Limit ''. I made the first payment ever last month to bring the balance down when I called and asked if I should make another payment I was advised not to because it was in dispute. So I didnt, and the following month they charged me interest or something on a closed account that I was told not to pay now the balance is higher than the limit it had. This company has no intention on resolving this they make me jump through hoops and keep me in a negative standing meanwhile. They have never kept me updated but continue to make up stuff on my credit report. Definitely a violation of the FDCPA 807, and the FCRA. Could you please look into this and get it resolved

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 2023-07-13
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with XXXX XXXX ( XXXX ) at Coast Professionals, Inc. ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) on XX/XX/XXXX in the morning ( XXXX  ). My account number is # XXXX. I indicated that I was disputing all or part of the debt, as the letter they sent me said I needed to do so by XX/XX/XXXX. I indicated that we paid the estimated taxes due at the time and that I was on the phone with the IRS to resolve it. She indicated that I could not dispute the debt without providing supporting documentation. I read her the language on the form that she sent me that indicated I just needed to call/write to dispute. I said I would fax in the form at the bottom of the form saying I dispute the debt but I told her it did not say I needed to provide supporting documentation at that time. She again indicated that I had to provide supporting documentation to dispute. She then indicated that I needed to schedule a follow up phone call. I said that I was not required to do so. She again pushed that I schedule a follow up phone call. I then asked for a copy of our recorded phone call and she indicated that she could not provide a copy of the recorded phone call. She indicated that only the company and the IRS could have access to the phone calls. I asked her for the person giving her this information regarding the documentation and access to the recorded phone calls and she said it was XXXX XXXX ID XXXX. XXXX then gave me her managers name XXXX XXXX. She was going to give me the ID but the call was disconnected on their end. She did not call me back at either of the numbers I provided her. I later called the IRS. They found a payment we made that had not been applied to the taxes that was under my husbands tax payer ID and not mine ( the primary ). The issue with the IRS was resolved and the payment was backdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The date of the fees is XX/XX/25. I called the same day. the chatbot name was XXXX XXXX I called at XXXX XXXX bank charged me ACH fees and offered no additional information. I called as soon as the fees hit my account. I contacted bank but they refused to let me talk with the fraud department. They refused to let me talk to manager. They refused to let me talk to any human at all. I was denied a transcript of a conversation with chat bot or an employee. I am unsure of what was happening with a chat bot and requested a call on the number on my account. instead she wanted my personal info. I thought this may be part of the scam. I begged to talk to a person and " she '' or it kept avoiding my request. 

Vytarcu does not take sufficient measures as to fraud reporting. there should be a way to report fraud 24/7. they have a history of technological failures and have not been transparent in the past regarding their online banking system and other technologies. Please see articles in the XXXX XXXX newspaper in XXXX for reference. Short and simply put, dont trust this bank with your money. They have no idea what the word " Fiduciary '' even means.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
All related accounts are Band of America checking accounts. 
On XX/XX/XXXX, I received a notification that an amount of {$130.00} was deducted from my current checking account. I called BOA many times in the recent 2 weeks. All related departments including customer service, account recovery department, fraud department, claim department kicked me to other departments.

From their words, I concluded the information, it is a long story.

1. I had a closed, frozen checking account ( ending in XXXX ), which was frozen around XX/XX/XXXX and closed in XX/XX/XXXX. BOA stated that I owed BOA a balance due with {$28000.00} on this checking account. 
2. I never received any formal notification or letters from BOA. But recently when I tried to open new checking account at other banks, I was told that based on " Early Warning report I am not eligible for opening new account as I might have debt with BOA.

3. Back to XXXX, I logged into BOA online banking and noticed that a transaction with {$28000.00} was deducted from my previous checking account. The screenshot with this transaction showed the money was transferred by a check and this check is a machine-printed check without my signature. Actually, I had never booked a check book for this checking account. 
4. I reported immediately to BOA Fraud department. After review the details of this transaction, the fraud department returned the credit to my account. After that, fraud department helped me freeze this checking account, set up a new checking account, new log-in ID for my online banking and also transferred all money from frozen account to new checking account. All these transactions happened in XXXX XXXX. 
5. Since then, the frozen checking account had a balance with XXXX dollars. I did not touch the frozen checking account any more. This frozen account was removed from my online banking since XX/XX/XXXX by the system. I have had no access since then.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I have made 4 attempts to dispute items on my credit report with XXXX and Equifax and they are sending me letters refusing to investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter claiming that I owe {$350.00} from Aldous & Associates P.L.L.C. on behalf of XXXX XXXX XXXX. I found out that XXXX XXXX XXXX is a business that is associated with XXXX XXXX. I called XXXX XXXX, and the company said that I didn't owe them anything. I had gone by the XXXX XXXX store in XXXX and cancelled out my service. At that time, I made all payments that were owed including paying off a Hum, the cancellation fee on my cellular phone, and paying off a tablet on the account. Suspiciously, after not receiving any bills in the last 2 years, I received a letter from Aldous & Associates P. L. L. C. in early XXXX. Perhaps, payment records were lost due to Covid-19. We went by the XXXX XXXX  store and talked to XXXX on XX/XX/XXXX. She said that due to the age of the account that she did not see any record of the account. She said that the letter looked suspicious because XXXX has their own collections department and typically does not use attorneys to collect their bills. She said that the account number did not look like the traditional XXXX account numbers either.

Company response to consumer: Closed with explanation