BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PORTFOLIO RECOVERY ASSOCIATES, LLC a Foreign Business Entity registered in the state of Utah and Registered Foreign Collection Agency in the State of Utah. The registered address provided for the Business is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Registered Agent and Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX. The company continues to call phone numbers multiple times from multiple numbers and should never have these numbers provided to them in any fashion. The company called a campaign phone number which had been clearly identified as such on any information that would have linked it to me. They refuse to identify themselves as a debt collector when fishing for information and continue to utilize prohibited practices after they have been sent and informed that written communication is the only acceptable form of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Genesis FS Card Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Milestone Mastercard Credit has contacted my father multiple times via text message and disclosed the history of the account, account debt amount, and ways to pay. Last occurred XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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:
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted XXXX XXXXXXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : 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 non-monetary relief
Consumer complaint received 2022-10-10
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I asked this company to provide me with Validation of an alleged debt and its several months I still not have received any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: CA
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:
Over the past 6 months I have tried to dispute a account that I am not familiar with by the company of XXXX XXXX. I have called Equifax to dispute the file these months. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I dont even know where this account is coming from. There is no original creditor. Every time I request any type of proof that this belongs to me the Equifax representative says they can file a dispute for me and it will take 30 days and thats all they can do. I never get any resolution or paperwork regarding this account but it keeps reporting. It is fustrating because the other XXXX bureaus took it off immediately when they tried to verify the account when I was on the phone with them. I dont understand why it is so difficult to work with Equifax XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Brown and Joseph, Ltd
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collector is a company named Brown & Joseph , LLC. They are representing XXXX XXXX XXXX. They claim I owe {$620.00} for an insurance policy I never renewed. I have notified Brown & Joseph, LLC three times that I did not renew the policy. Twice, I requested documentation from them, which I am entitled to do under federal law. The most recent time, I provided documentation proving I did not renew the policy. Brown & Joseph refuses to acknowledge my lawful request and continues to harrass me by Email, phone and mail. Their representatives on the phone are extremely rude and have called me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: GUARANTEED RATE INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were in the process of having a new home constructed and closing on the home was set for XX/XX/2019. We where shopping around for the best rates and after contacting an officer with Garunteed Rate we decided to go with them. That individual told us we would receive the below ( taken directly from an e-mail he sent XX/XX/2019 ) : OPTION 3 30 Year Fixed XXXX Loan Amount 4.500 rate (  paying XXXX points ) XXXX / month ( principal + interest ) PMI = XXXX / month **I give you {$2500.00} in Lender Credit with this option, which brings the total lender fees down to {$0.00} **I give you an additional {$1200.00} in Credit towards the remaining 3rd party closing costs : Appraisal, Title, Government Fees I followed up a few times about the credits and the {$1200.00} he mentioned. I sent an e-mail dated XX/XX/2019, and another on XX/XX/2019. The first time he told me the credits would be paid outside of closing ( POC ). After inquiring closer to the closing on XX/XX/2019 I was told we were only getting a {$2500.00} credit, and the " additional {$1200.00} in Lender Credit '' was not actually an additional credit at all, it was what would be left from the XXXX credit after applying that credit towards their ( Garunteed Rates ) lender fees. 

The original e-mail stated the credits in a way that they were two completely separate credits we would receive that could be applied towards different closings costs. However, when I tried to ask about them a few weeks after I was told not to worry about them and they would be paid closer to closing. It was only after my last inquiry near closing I was told these were not 2 separate credits and he tried to blame me not understanding for the poor wording he used. I believe he intentionally worded it the way he did to make the deal seem much better than it was, and tried to brush my inquiries about the credits aside until close to closing when we would be unable to get out of the loan without suffering substantial loses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been blocked from getting my Equifax credit report/ scores from every website that my could possible generate it. My annual, credit karma, Equifax own website, XXXX. they have made it impossible for me to have access to my report. Which is creating a tremendous amount of stress, emotional, anxiety, sleep disruption, I need access to my report in order that I can obtain the credit needed to obtain personal, family and household necessities. This is vital and Equifax is denying me my access to credit. Which in itself is a crime under all the consumer financial protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
The Apple Card, issued by Goldman Sachs, refuses to completely close my account ending in XXXX, making it null and void, with a {$0.00} balance. I have called them multiple times and shared with them my XXXX  XXXX Bankruptcy that was successfully discharged in XX/XX/2022, and they still refuse to remove the account in question even though it was included in my Bankruptcy filing. 

What they are doing is illegal, still trying to collect on a debt that has been discharged. My lawyer sent them multiple letters in the mail as well. 

This account is still showing as active on my Apple ID Profile, and as such, will not allow me to apply for another Apple Card, because they say this account is still active, and not discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX : 1300, 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 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 2021-07-12
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 fraud alerts or security freezes

Complaint:
I have tried to remove the Extended fraud alert from Experian and XXXX. 
They have asked me to send the passport/ id etc. and i have complied with all of their request. I have not received and response form them. I have tried this multiple times and they are not resolving the issues. I have been truing to do this for the last 7 month. It is frustrating and it is preventing me from obtaining new credit. Please remove the fraud alert from my credit reports.

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 2023-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I deposited a check on XX/XX/XXXX I went to check my account the following day on XX/XX/XXXX to check if my paycheck went thru to which I received the message I was locked out of my account and it was under review. I called them to which they said they put a security hold on my check until the XXXX I waited until the XXXX to access my check and it was still unavailable, I couldnt log into my account still. After walking into a citizens branch to try to resolve this the bank teller gave me a customer service number and then I ended up spending about XXXX minutes on the phone with them again they told me they couldnt help me for about the XXXX time Ive called and so here I am writing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NV
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: Bread Financial Holdings, Inc.
State: TX
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 rewards from credit card

Complaint:
For the past several months, Comenity has stated they were in the process of upgrading their system. Initially, I couldn't even access recent transactions and could only make payments without reviewing any charges. They finally fixed that issue, and now I can not apply my rewards as a statement credit or access them any other way. WHEN you can reach customer service, they state I can see more than they can, that they can't even see my rewards balance. Each time I try to " request a statement credit '' with my rewards, I receive an error saying the rewards can not exceed the statement balance. It doesn't, and I get the error regardless of the amount I try to apply. Comenity keeps saying they are " working '' on it, and it is an upgrade to the system. System upgrades should NOT take over 4 months to complete. In the meantime, I can't access or use the rewards Comenity / Bread Financial advertised to get me to sign up for the credit card. I pay my balance in full each month and expect them to honor their advertising. Each time I leave them a bad review somewhere, I get a generic email response about how important my opinion is and how they are working to resolve the issues, but NOTHING ever gets resolved! Rewards aren't any good if you can not use them and I feel this was false / misleading advertising to get people to sign up for their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a 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 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 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My stimulus check was deposited into my checking account and Bank of America has done everything possible to stop me from accessing these funds. Acct # XXXX Routing # XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. At this time they have canceled my debit card. I can not transfer the funds nor acces them in any way. Over the last 48 hours I've called 12 times. They changed my debit card pin number without my approval and placed a fraud alert on my account I did not approve. I have tried everything. I need to pay my rent to stop eviction

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 2019-07-01
Company: Complete Credit Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received several calls from a collection agency regarding this account. I have informed them on several different occasions that I have no knowledge of this account and they should remove my contact information, and removed this tradeline off 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