BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-07-28
Company: Experian Information Solutions Inc.
State: MO
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Goldman Sachs bank has locked me out of my on line access for over a week and they advise that it will take another week for them to correct their technical issues. 

The alternative is calling them which is a nightmare of trying to convince a robot to allow you to talk to a human that can help.

I can understand an occasional outage of minutes or hours, but two weeks? I have reduced confidence in their risk management abilities if they can not keep their systems up and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.

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 2023-01-06
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX account opened XX/XX/XXXX after disputed information XXXX removed from credit This XXXX adds collection XX/XX/XXXX ( 9 months after removal ) of a debt of XXXX " original creditor XXXX '' and the account opened " XX/XX/XXXX '' I have not had a XXXX account since XXXX, which XXXX properly reported. XXXX sold the debt after removing it on a 7 year reporting, then buying company reports the account opened when they purchased it not the original creditor account opening. 

They also have no original account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
hi, on XX/XX/2021 i purchased a XXXX XXXX ( as pictured on the website. with these specifications ) for full price of {$490.00}. with my CHASE FREEDOM CARD. XXXX XX/XX/XXXX i got the stroller and realized right away it was a fraudulent XXXX copy. ( worth 200 $ ) it didn't say anywhere XXXX. i right away replied to the confirmation email i received that i want to return it. but no response. i tried calling but no answer. basically this website is a fraud. and unfortunately i only realized after. so many ppl put bad reviews. i called chase the same day to dispute the charge. i was told not to return it till we hear back from the company. at this point the website is closed and company isn't reachable. chase kept closing the dispute saying that their merchant verified the charge ( duh, obviously ) cuz i purchased it. but they are not helping me out with this claim. i have no where to return it, i don't need it. i purchased a real version on XXXX. these XXXX copies are junk and break on you. ( hearing from ppls experiences ) i asked chase if they have the companies info, they don't. they keep closing the dispute, i am very frustrated and hope you can help me. also on the box is a invoice from XXXX XXXX in XXXX XXXX for {$200.00}. so basically they stole my money and sent a XXXX item i cudve purchased myself on XXXX XXXX. there is no info on the " XXXX company called XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XX/XX/2020 at a XXXX XXXX XXXX XXXX my card was declined I had to leave groceries at checkout. I went to my Bank of America EDD Debt Card App only to discover that my bank account was emptied the total of {$980.00} was taken out at an ATM in XXXX California and I have never been there I immediately called the Bank of America EDD debit card number and filed and reported the theft okay and I have since then had to file four more complaints and I still keep getting the results of the bank telling me it was fraud on my account detective XXXX from the XXXX police department has recovered the video at the ATM from the bank in XXXX California and has on the video the suspect and using the ATM the police report is filed the detective has the video and has shared it with agencies here with all of this information I still have no results from the Bank of America EDD debit card people and I have four claims that say it was my fault they are absolutely doing nothing to help me it is criminal at this point they're negligence please 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
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've spent the last 2 months trying to fix the issues on my credit report due to identity theft issues. Transunion has failed to help in the matter. I have 99 credit inquires that is very disturbing when I contact transition they will not investigate it and say that inquires are factual data. They have given my credit report out without permissible purpose. I have even placed extended Identity fraud alert on my credit report to make sure that my credit is not viewed without my permission first. Transunion has constantly allowed my credit to be viewed. I even tried to dispute these credit inquiries online and they have blocked me from doing so. If you look at the attachments I have given you will see that it don't allow me to start a new investigation within transition dispute portal. Also I have included an attachment to show there is an fraud alert on my credit that Transunion is not adhering to. The only inquires I had authorized was the 4 last mortgage applications.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: PA
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 recently reviewed my credit profile and I noticed mutiple inaccurate items.

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 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 BK OF AMER & they told me I've never missed a payment, yet XXXX and XXXX refuses to remove me from being listed as late on XX/XX/XXXX 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 XXXX and XXXX 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 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
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:
In accordance with the advice from a recent advertisement, I have obtained a copy of my credit report and have noticed inaccuracies that concern me greatly. I take pride in my responsible financial behavior and do not wish for these inaccuracies to misrepresent my creditworthiness. I kindly request the removal of the following items so that my credit report accurately reflects my history as a responsible payer : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Please delete this fraudulent account from my credit file 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 explanation
Consumer complaint received 2023-06-11
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Please ensure credit card prefilled application information has my current address when I input data and the system prefills info. I havent live in XXXX XXXX since like XX/XX/2022. I have a savings account with Discover

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was approved initially for a {$1200.00} limit through Synchony bank. I made a purchase of {$140.00}, which I planned to pay off to boost my credit. AFTER I already had made the purchase I received a letter saying my balance was decreased {$1000.00} down to a {$200.00} total balance. I had already made a purchase on the card and therefore my utilization on my credit report increased to 51 % and my credit score dropped 22 points. I never would have made the purchase if I had known this was going to happen. I contacted the company with no help. I feel as if Ive been scammed and now Im stuck paying this off and my credit has been ruined.

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 2021-12-31
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
on XX/XX/2021 A Deer ran infront and top of my car my car was totalled as soon as I got home I started calling insurance to start claim process. Well found out I was not covered with car rental. So I called where I finance loan like around the XXXX to see if insurance had contacted them they stated no I gave them information of claim adjuster and name and number. They said okay they would put it on the account. Called back on the XX/XX/2021 Because I received an email from claim adjuster stating they waiting on letter of gurantee and title they had already cut a check for them just waiting on those items. So I call Ally Financial and they never wrote the information on when I called and they had not information from the insurance I asked for Total Loss Department and got tossed around to another Customer Service Representative. They do not have a Total Loss Department they tell me to tell insurance to call back at XXXX for Total Loss that is same number I called for Customer Service Number. I am frustrated and stressed they are not getting this done and on their web page there is no other numbers to contact just finance number, no legal department number, no total loss number. Nothing is being accomplished. At this time it is all a cat and mouse game. I have not documents on calls. Their calls are suppose to be recorded. This company claims to be number one and has all this awards they are falsefying. They need auditing by the government because they are not doing their job. Why as a customers should I be doing their leg work and why are they not noting any information down and who is the person to speak to when their is a serious issue with a damaged or wrecked car their is no information.

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 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
an ex girlfriend used my card while i was out of town and spent all my money toaling in XXXX and bank of america is not doing anything to make this right. Not only have i submitted all the facts and details showing i was out of town while the charges occured and a police report along with the detectives card with contact info there still treating the matter as if my money dont matter. ive been hung up on by multiple reps and lied to by bank of america and yet they still just dont care to even make my sittuation right. please help me get my money back ive gone homless because of this and im currently living in a 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 2021-12-30
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted Convergent Outsourcing on several occasions, asking for the alleged account from XXXX XXXX for {$860.00} to be properly validated. I was sent billing statements on XX/XX/21 which does not show that I opened this account. My last validation request was sent to Convergent Outsourcing on XX/XX/21 and has not been responded to at all within the 30 days given. This alleged account has not been validated and its now against the law for this account to remain on my credit.

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 2023-07-28
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 of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX and XXXX XXXX Date XX/XX/2022

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 2023-06-11
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been an Affirm customer since 2019. I paid my loans on time, although I had suffered a reduction in my income but do my best to afford the monthly payments. Recently, I tried to get a loan for a purchase and unfortunately, Affirm denied me the loan because allegedly my credit score fell beneath the minimum required for them to offer me the loan. They never specified me which was the credit score and on top of that, they outlined that the decision was final. This was very deceitful, as I always have been responsible with my payments, and suppose that I need to make an emergency purchase of any kind at any time, then Affirm will not let me do it.

Company response to consumer: Closed with explanation