BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights are being violated under 15 U.S Code 1681b and 15 U.S. Code 1681c-2 for the following accounts See Attachment ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I did not authorize nor consent to the following inquires being furnished on my 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: January Technologies, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I contacted XXXX XXXX for job search services. However, I was compelled to sign a contract halfway without an adequate explanation of their services in English, which is not my native language. The contract was for {$5900.00}. 
Subsequently, the welcome letter, when I finally saw it, was illusory, and contained a NON-DISPARAGEMENT clause. I have canceled and not used their useless service at all. While I was negotiating with XXXX XXXX and Affirm, I was eventually able to secure a 50 % refund on XX/XX/XXXX, but I still owe the remaining 50 % to a fraudulent entity from whom I did not receive any services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continuously refuses to provide me proof of debt and refuses to provide their companies lawyers name. Ive requested proof of debt 3 times now and have yet to have this fraudulent account validated. I first spoke to a rep who I thought sounded like XXXX XXXX ( she refused to spell her name ) and she claimed she was going to mail proof- then the manager XXXX XXXX she transferred me to after once hanging up on me refused to mail it then continuously repeated every single question I asked but never answered it. She claimed she didnt have to mail me the proof which is not abiding by the FDCPA. Looking at other complaints I can see this is their pattern. They do not have any solid proof this fraudulent account is mine and they do not even have my information correctly. They do not have my social - they do not have any information this is my account, and they refuse to answer my disputes. I already disputed this debt 3 times and they never responded. She accused me of not knowing how to dispute an account even though I disputed it through the appropriate channels with all 3 major credit bureaus. The manager and representative were highly unprofessional, refused to provide any information, and I demand proof of debt or to have this account deleted. I have this all on recording and will be looking into further action if I do not receive what I asked for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: AZ
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:
Fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-07
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-03-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
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 was monitoring my credit and I saw from the 3 credit Bureus, that there has been faulty inquires on my credit report. 
For example On XXXX I saw ( Inquiry date XXXX for XXXX XXXX  XXXX ) another example I saw was ( Inquiry date XXXX for XXXX XXXX  XXXX ), also another ( Inquiry date XXXX from XXXX XXXX XXXX ). 
These 3 were reporting on my XXXX. 

On my XXXX I see For example ( Inquiry date XXXX for XXXX XXXX XXXX ) The inquires for XXXX for example on my report I have ( Inquiry Date XXXX for XXXX ), another ( Inquiry Date XXXX for XXXX XXXX ), also ( Inquiry date XXXX for XXXX XXXX ), Last that I see on my credit report is ( Inquiry date XXXX for BMO HARRIS ).

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 2023-07-31
Company: Eastern Account Systems of Connecticut, Inc.
State: OK
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:
XXXX I noticed a collection was placed on my XXXX and XXXX credit for {$83.00}. I noticed it was my final bill from the electric company. Instead of paying the collection agency, I paid the electric company directly .disputed the collection acct. Showed proof it was paid, these two companies removed the collection from Eastern account collections. 3 days later it was placed on my XXXX. I called them and disputed online. Collection report still there. I have disputed this 4 times with XXXX showing proof this acct was paid in full to the electric company. Its still showing on my credit. I have contacted the electric company about this. I was told Eastern collections was notified 2 days after my payment That the balance was XXXX ( paid in full )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Galaxy Capital Acquisitions, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a file you did XXXX!! World wide assessment LLC!! I discover they have the wrong credit card number ending XXXX!! I call XXXX  and they told me you only have two cards ending XXXX and XXXX and call XXXX XXXX XXXX! And put it on 3 way!! I can talk to XXXX XXXX and worldwide!! We settle your account and we didnt sell your account to anyone!! So how worldwide have my account!! They stole my account from XXXX XXXX when I thought they close in XXXX!! So worldwide had been Garnishing my way since XXXX And ruined my life and gave me a XXXX XXXX XXXX thanks in advance miss XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: First Federal Credit Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through HIPAA laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A few months ago Synchrony Bank lowered my credit limit on my credit card with a high balance. The card was not maxed out, but it was within {$1000.00} of the limit. There decrease brought it down within {$200.00} of the limit, hurting my overall credit score. Now I go online to pay my bill and for an untold amount of time Synchrony Bank has been charging me for a Card Security Fee which I have come to find out is a benefit program? One that I never signed up for or agreed to. As a result I get charged not only my monthly interest but also this monthly fee resulting in my Credit Card now being over it 's limit. I have not used this credit card for purchases in over a year and now every month my debt on the card goes up and up because of an interest fee and a security fee I did n't ask for. They are pushing me into a debt ceiling that I can never recover from because of astronomical fees. They are single handedly driving my credit score into the ground and increasing my debt more than I am able to pay it each month. I ca n't ever seem to get a hold of them as their offices always appear to be closed.

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 2017-12-16
Company: Experian Information Solutions Inc.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted my dispute in XXXX via fax, no confirmation from XXXX received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed XXXX  customer service, to which they responsed with instructions on who to dispute. This is very frustrating, XXXX is not even allowing me to send information online.

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 2018-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the evening of XX/XX/XXXX about XXXX XXXX. I tried to open a savings account with my current bank of 8 months -- Bank of America. The account was approved and I XXXX from BOA of XXXX tried to transfer XXXX from my XXXX XXXX XXXX XXXX debit card. He informed me that the transaction would not go through because BOA doesn't like or take that type of card from that institution. I've never run into this type of problem with my XXXX XXXX debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. 

What happened next is XXXX ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. XXXX will not give it back with out BOA writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, BOA, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I  did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money.

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 2023-08-14
Company: EQUIFAX, 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 contacted the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And disputed these accounts with them. I asked him to verify the accounts. By way of providing me with some type of documentation, bearing my signature as proof that I am responsible for these accounts. And they have failed to do so, therefore making these accounts on verifiable and inaccurate, which to my knowledge is a violation of my rights according to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Reporting company used your report improperly

Complaint:
After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave TransUnion written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres big violations that I want to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt. 
2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See Exhibit 1 ). This debt collector arent authorized to conduct business in Arkansas or Texas. 
-XXXX  XXXX XXXX acct # 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 2021-04-12
Company: CreditNinja Lending, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from structure settlement on XX/XX/2021. While talking to the represented he informed me that creditninja had hired them to collect this debut. During the call I was asked what I was able to pay and when formed what I could do, I was told that was not good enough. He stated that creditninja would agree with that offer. He became belligerent when I stood my ground. After that, he threaten legal action if I did not agree to his terms. I then informed him that I would contact creditninja directly and discuss as settlement. I direct called creditninja after hanging up with him. Creditninja informed me that they no longer own the debut and it was sold to structure settlement.

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 2023-06-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my XXXX statement the balance was XXXX and I paid the balance but apparently I was a day late. I was assessed a late fee of {$34.00}. I didn't know I had a late fee ( because I thought I had paid off my balance ), so I didn't pay the late fee and was charged another late fee ( on top of a late fee of another {$34.00} plus a minimum fee of {$2.00} ( totalling XXXX ). I now have a balance of {$70.00} made entirely of fees. Charging a fee on a fee when I have never been late to this point is ridiculous. CS won't assist. This company is horrible.

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 2018-07-24
Company: BB&T CORPORATION
State: LA
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:
BB & T linked my sister 's and my credit card, because my mother was on both accounts, my sister went and accidentally redeemed credit card rewards from my points, not realizing they were linked, and when we called the bank to straighten it out, apparently they had added my sister to my credit card ( no signatures, paperwork, or permissions were given for this to happen ) and I was removed as a party on MY credit card and replaced as an authorized user, while my sister was given control of my account. BB & T acknowledged confusion, but said I couldn't do anything to get myself on the account even though it was opened in my name, I get the statements and pay them every month, and even have the tangible credit card with my name on it. They said only my sister could or mother could access MY account, even when the account was not opened in her name, nor paperwork signed to authorize her to be a user on my account. I then went to close my credit card, checking, and savings account with the bank because I am FURIOUS, and I'm not even allowed to close it, I can just remove my name as an authorized user. They refuse to correct their mistake, and I've spent two hours on hold and talking to two different reps and two different supervisors and the only thing they will tell me is to just open a new account in my name ... even though I already have an 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 2023-02-22
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-03-29
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted several identity theft complaints to the 3 major credit bureaus. XXXX and XXXX has not complied. 

I am asking you for help as this is affecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
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:
I have disputed a closed account with XXXX through Equifax over 6 times. Every time their representatives put in their own description of my dispute. First to verify if it was my account, another to verify if the account was in a bankruptcy, and once again they sent another dispute checking late payments! So the company supposedly keeps responding- YES IT'S HER ACCOUNT, YES PAYMENTS WERE LATE, NO NOT IN BANKRUPTCY therefore the account stays in my credit report. What I have told them time and time again is that they are reporting fraudulent information causing me to be denied for a VA Mortgage Loan. I have contacted the company several times, the managers do not care and are disgustingly rude at XXXX. They reported I have refinanced or renewed this account when this is not true. I have never refinanced anything or renewed anything with XXXX! They are purposely doing this to ruin my credit. Equifax states they are simply getting the information from the company, so when I asked what proof or paperwork they have they say they have nothing. It is all electronic, they have NO PROOF. I have given them all the proof they need and they can see on my credit report how the status has changed throughout the years and every time I dispute the status is worst than the last time. Now I have to wait another 30-45 days for the company to respond? This is unacceptable.

Company response to consumer: Closed with explanation