BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: VA
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 : ACCOUNT # XXXX, XXXX XXXX : ACCOUNT # XXXX OR XXXX, XXXX : ACCOUNT # XXXXXXX, XXXXXXXX XXXX  : ACCOUNT # XXXXXXXXXX, XXXX XXXXXXXX : ACCOUNT # XXXXXXX, XXXX XXXX XXXX : ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXXXX, XXXX ACCOUNT # XXXXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXX 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America froze my 2 checking accounts on XX/XX/22. I was informed the accounts were being closed and that process was completed on XX/XX/22. I was originally told a cashiers check would be mailed with my funds once the account was closed. I was informed on XX/XX/22 that the funds were under review. Ive made numerous calls and visited two local branches of the bank but still have not received the funds from my accounts, which total about {$9300.00}. 

Through the repeated phone calls Ive made, I was told that there is an internal Bank of America department reviewing my closed account to determine if the funds belong to me. But nobody at Bank of America can directly communicate with this department. Ive been told on several occasions that escalations were sent to get an update on the status of my funds. But as of XX/XX/22, theres been no update to my account whatsoever. Ive received absolutely no help or resolution to my issue. Its been 50 days since my account was originally frozen and I want my money returned to me ASAP.

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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 6 accounts on my credit report that do not belong to me I need these accounts gone. I have tried disputing these since XX/XX/2020 to no avail. I have also opened an FTC report for all these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2018-12-06
Company: Kriya Capital, LLC
State: FL
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:
The dispute process with Credence began in XX/XX/2018. I sent a dispute letter certified with return receipt ( see attached ). Credence did not respond until XX/XX/2018 ( see attached letter ). This is unacceptable and a violation of consumer law. The response that was provided from them on the attached letter is a mere, arbitrary number that lacks veracity. In my request to them, I requested an agreement that stated their authority to collect on this alleged debt, date this alleged debt became payable, original delinquency date, as well as complete accounting of the alleged debt. Credence failed to provide any of these. To date, they are currently reporting this entry on XXXX and it should not be reflected on my credit reports. My request is for this entry to be immediately DELETED from my credit reports and for XXXX to send a fully updated, current report to me that reflects this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: CA
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:
It is with mounting irritation that I must yet again bring to your attention the ongoing nightmare I am experiencing due to your ineptitude in resolving the following issue : XXXX XXXX This fraudulent account has remained on my credit report for an extended period, causing immeasurable damage to my financial standing and an insufferable amount of stress in my life. 
It is mind-boggling that despite this undeniable evidence, your bureau continues to display a shocking level of indifference, incompetence, and disregard for my rights as a consumer. I can no longer tolerate the blatant negligence and incompetence exhibited in handling this matter.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

r 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 explanation
Consumer complaint received 2021-03-23
Company: SinglePoint GI
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company REFUSES to acknowledge that I have paid this debt IN FULL with the original creditor Florida XXXX XXXX. On XX/XX/20 I paid {$260.00} then the company said I owed {$300.00} more ... so on XX/XX/20 I paid {$300.00} to XXXX through their online payment system. I have attached proof of payment and also proof that my account is showing a XXXX balance per XXXX payment system. I have tried to get this removed from my credit report twice and this company doesn't even look at the attached documents and proof and immediately says I still owe the {$300.00} even though it was paid on XX/XX/20. This has been PAID IN FULL and needs to be removed from my credit report as it is causing harm to my financial well being by continuing to show I owe it when I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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:
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 items ( A ). It is not permissible to fail to validate these reporting items 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect 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 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 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 2021-03-22
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a call on XXXX XX/XX/2021 at XXXX PST from the number : XXXX and I said Hello. There was a long pause and a woman named, XXXX ( sp? ) started speaking and said my American Express Account was noted as possibly being interested in a business gold card and asked about the nature of my business. She knew I had an AMEX card already and that I possibly had a small business but didn't know the nature of my employer. I felt uncomfortable about the call and therefore called the American Express Customer Service line to be sure the call came from them. They said they would never solicit over the phone and that number is not an American Express associated phone number. I called back the questionable phone number and got a voicemail saying it was " XXXX from American Express. '' I hung up and did not leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I competed in an amateur boxing event with XXXX XXXX called XXXX XXXX XXXX. I won a {$500.00} check for 3rd place in the ring girl contest. The written amount on my check was different than the dollar amount due to a printing error at the event. The check was supposed to be for {$500.00} and the written amount confirmed that, however the dollar amount was {$2500.00}. I deposited the check for {$500.00} and not {$2500.00} via mobile deposit on XX/XX/XXXX. On Monday XX/XX/XXXX, I called chase to ask when my funds would be available and I learned that my account was restricted because they could not verify the amount with the issuer due to the phone number not being verified for the company. I sat in limbo trying to figure out how to fix this situation. I was finally able to obtain a number for the president oXXXX XXXX XXXX  to link him to the company. Chase called and verified the check on XX/XX/XXXX. However, by XX/XX/XXXX I was still unable to use my debit card or have access to any of my money in my account. I called chase again and they informed me that they lifted the restriction from my account and to give it 1 hour for it to update. I waited an additional 3 days and there was still no change to my account. By this time I had reached the total allotted time allowed for a restricted account and chase closed my account even though the check was verified and paid out by the issuing bank. 10 days after XX/XX/XXXX Chase was supposed to cut me a check for the remaining money that was left in my account, as of XX/XX/XXXX I still have no received a check. I called chase once again and they told me that the money is being held and I have to go to a branch and bring to forms of identification. This is unacceptable because I was previously hung up on by a manager because I was angry that I wasnt able to go to chase to get my money and that I had to wait for a check. Now there is no check and chase is trying to keep my funds. This bank should be disbarred from managing anyones funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
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: Credit inquiries on your report that you don't recognize

Complaint:
There are 8 inquiries on my credit report that do not belong to me I have not inquired for any of these I need these off my report. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : EXPERIAN BUSINESS CRED Inquiry Date : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry  Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : 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 2020-02-04
Company: Premier Student Loan Center
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good afternoon. My name is XXXX XXXX and I am a victim of what seems to have happened to many regarding federal student loan forgiveness. Premier Student Loan Center got in contact with me in XXXX of XXXX and we moved forward with forgiving some of my student loans. They asked for {$900.00} upfront to provide their service and to pay $ XXXX/month for 20 years. Originally I was paying {$90.00} and it was really hard to make payments on top of all the other bills I had after college. They told me to not pay attention to my XXXX  bills because with PSLC all I had to do was pay them, and they forgave thousands of my debt, then PSLC would be the ones paying off my XXXX  bills. I have worked with consolidation companies before so this did not seem fishy to me at the time. It has been over 3 years since signing all these contracts and I have been paying them every month, but since XX/XX/XXXX money stopped getting taken out of my account. I tried calling PSLC and I heard an automated message saying that PSLC is under investigation and all the money I paid into the program has in fact NOT been getting paid to XXXX, which is what they promised. None of the thousands PSLC forgave actually posted to XXXX, and now I am being sent all these past due bills from XXXX since this whole time apparently PSLC has not been paying XXXX. I only went with PSLC because their website and reviews were accredited by the XXXX. Turns out, the XXXX  are the ones actually suing PSLC. I paid all of this money and I trusted PSLC to consolidate my loans and get me on a successful payment plan. Doing PSLC math I only owed {$2000.00} left. According to XXXX, I still owe almost {$8000.00}. I need some sort of resolution or to be put as one of the victims in the class action suit against PSLC. Please help me!! I have all the contracts that were signed by me and PSLC to show how much I owed. Someone please please get in contact with me to resolve this very unfortunate issue. The contract I signed said I only have {$2000.00}, but with XXXX  it says I owe {$8000.00} still. This business was originally approved by the XXXX, and I want my contract to still stand with me only owing {$2000.00}. With XXXX, before when I kept making payments to PSLC I received a bill from XXXX  every month saying my balance was {$0.00}. Now it's saying I owe them $ XXXX/month since PSLC does not exist anymore. So if it was originally approved by the XXXX  and XXXX recognized this business as a consolidation company, then me owing {$2000.00} should still stand, not {$8000.00}. I am seeking to get back {$6000.00} to bridge that gap of what was supposedly forgiven by PSLC so I can pay XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is # # # # # # XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia, according to XXXX XXXX XXXX. Please delete this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Guild Mortgage Company LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX XXXX Guild Mortgage posted an advertisement listing loan terms ( specifically down payment and loan to value ) without any additional terms, or any APR.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America closed my account like two years ago. I havent had a account since. Someone stole my bag in XXXX. All my stuff was stolen including my phone & wallet. Someone tried to do fraud with my account & did not succeed. Also I reported my card stolen so they should know it was not me. Pls help

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