BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: WI
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
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 currently have Five fraudulent accounts appearing on my credit report. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I have five accounts on my report claiming late payments and I am unaware of where these late payments have come from. Per The Equal Opportunity Opportunity Act, states prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act. ''

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 2023-02-21
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I sent a letter XX/XX/2021 requesting Experian to send in writing how did they go about verifying with which company they use to verify this bankruptcy. They only sent a notice saying accurate but did not go into detail of the information on what I requested. I have sent a letter from the courts stating they do not verify bankruptcy info with any credit bureaus. They still have this listed on my 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 2021-05-14
Company: EQUIFAX, INC.
State: CT
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 reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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 have reached out to XXXX XXXX and Experian and have disputed items with them informing them that it was identity theft. They did not send me any information informing me that anything was accurate and things remain on my consumer report. They refuse to delete it. According to 15 US Code 1681 I did not give permissible purpose or for any of the following to be reported on my report. I have the right to privacy. I have not signed anything giving anyone the ok to publish my information on my credit report. This needs to be deleted at once. 
XXXX XXXX XXXX who claims they do not report to the credit bureaus. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX child support and XXXXXXXX XXXX child support these items need to be removed at once

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 2023-04-20
Company: Experian Information Solutions 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:
I am writing again this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status, charges and etc, but they keep on telling me that no errors on my report which in fact these accounts are totally fraud because of illegal and unauthorized charges. It's even more than 30 days past to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously opened a case with Navient on this website in XXXX case number XXXX which mentioned the unfair automatic capitalization of interest after I enrolled in a graduate program. As a resolution they stated they reversed the capitalization that occurred in XXXX, which was great, but it appears that they have undone this resolution in my Navient account after my case was closed with CFPB. This is a dishonest resolution to that case and I am reporting it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made the payment for the loan with Bridgecrest the day before it was due. My checking account as well as Bridgecrest sent me 2 emails confirming they received the payment. I have received multiple calls from them stating they never received the payment and threatening to take my vehicle. I sent them as much information as I could that I had even speaking back and forth with my banking institution to get them what they needed. They were not very helpful just kept repeating themselves. I am a new customer with this company and having problems like this is bad business. I will be reaching out to legal counsel.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: PA
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 violated my consumer rights 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer 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 2023-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Good morning, I start this new complaint because I have not receive a response from the bank nor the CFPB in over a month. 

I have already made two complaints before with the following number : XXXX XXXX. Last response XXXX still working on the issue. 
XXXX XXXX. Last XXXX XXXX still working on the issue. 

Both Complaints are for the same case, The Bank permitted XXXX Transfers to go thru which I did not authorized. 

This person took almost all my savings in just 10 days. 

I also have made a complaint with the information a gather of those transactions to the FBI, so they can look out this persons. 

I really would appreciate you help with my case and request to the Bank all the information which I have ask directly but they had not answer to me. 

Once again XXXX thanks you for all your good work, and will be specting a promt positive response. 

Regards, 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 2023-09-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for the XXXX credit card administered by Barclay 's out of XXXX, Delaware on XX/XX/XXXX and was approved after a hard hit on my credit report with a score of XXXX. I have used my card several times over the past 6 years and have always made on time payments, never had a late payment. I used the lock feature on their mobile app to prevent anyone from stealing my card number and making charges. 
On XX/XX/XXXX, I received notification from XXXX that my acceptance with Barclay 's had been closed dropping my credit score by XXXX points ( due to Barclay 's performing an unauthorized credit check for an unexplained reason ). I have never had a single late payment on ANY of my credit cards. Why Barclay 's chose to check my credit without obtaining my authorization is beyond me. I called them on XX/XX/XXXX to ask. I was not provided an answer and was told that I had been mauled a letter on XX/XX/XXXX, the same day that the account was closed. I received the letter just today and it mentions that the credit decision was based on inactivity in the past 3 months ( no information about this in any correspondence to me ever ) and high usage on one or more accounts on my credit report. It goes on to say that the consumer agency that provided information that influenced their decision was XXXX ( which also included my current score of XXXX which isn't much different than the score of XXXX XXXX years ago used in approving my account ). Then the letter turns around and makes a contradiction in that the " reporting agency played no part in their decision and is unable to supply specific reasons why Barclay 's has taken this action ''.

The reason that I believe Barclay 's has made this bad faith decision is because part of my income derives from a public assistance program, namely SSDI. The company has also recently asked my marital status which I found odd.

Upon learning of this unfortunate and discriminatory closure of my account, I immediately called Barclay 's and asked for a clarification on their decision to which I was told that I would receive a letter in the mail. I offered to make an immediate purchase to have the account reopened ( since I wasn't informed that a purchase within 3 months was a requirement ) and was told no and that they would not reopen my account but that I could apply for a new account ( which of course would have a much lower credit score because of a direct result of their decision to close my account ).

I have been discriminated against to which the Federal Equal Credit Opportunity Act specifically prohibits! 
I deserve to have my account reopened and given the opportunity to make a purchase ( 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Bank of America in beginning or mid XX/XX/XXXX to pay off my debt. They promised me that they will clear the debt and the negative remark on my credit report after the debt has been paid but to this date XX/XX/XXXX, which is almost a year later, and the negative remark still on my credit report even though the debt has been paid off! 

Please investigate and help me with this!

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 2023-07-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 2022-04-04
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/XXXX, I submitted the IRS form 4506-C to the request of America Express credit card provider in order for them to have permission to check and verify my tax and income history with the IRS and by that, to determine whether I should be approved for the AMEX Business Premium credit card ( which I've had thru American Express in the past ).

AMEX claims that couldn't verify my income due to IRS backlog.

When I asked to please wait some more time, they told me they would deny at this time and that I could re-apply for the card within a few months.

The issue is that this was my second attempt to apply for the card and this was their second excuse. 

The first complaint I sent them was last year, in XXXX. 

See all forms and statuses attached. 

Please assist. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-20
Company: NEW YORK COMMUNITY BANCORP INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX account to Signature Bank at the instructions of the scammers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a 5 year old medical bill that I have never once heard of before XX/XX/XXXX, and was from a different state and they immediately report the charge to my credit even though I called and made arrangements with them to pay only 5 days after the letter was written. I am in the middle of my home buying process and this company shows up, demands money or they will ruin my credit, so i have no other choice to believe them so i can continue my life with buying my home in 2 weeks. TWO DAYS AFTER I PAY THIS FAKE BILL THEY STILL REPORTED THAT I DID NOT PAY ON MY CREDIT AND MY CREDIT DROPS 20 POINTS!!!!!!! Me, my husband and our XXXX XXXX XXXX son are now out of the home buying process and the house we put a offer in for because they made a 5 year old mistake! When i spoke with the woman there she seriously told me i had no other option - she couldn't even tell me what the bill was for. So at the time my hands were completely tied .She told me I couldn't call the doctor that apparently this bill was from and she haD nothing more for me. Then they still reported it even though I paid!! This is insane that a company/doc ( whoever I dont care ) can come after you 5 years later for a bill you've never seen ( so therefore also couldn't get insurance to pay for it since I was unaware of it ) and say you have to pay with zero information.

Company response to consumer: Closed with explanation