BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX wireless has posted a 90+ days late status 14 times on my Experian CR. The account was legally paid in full and should not have posted any negative data on my CR due to my SCRA right to terminate any lease due to overseas deployments. I explained this to them many times but the negative data is still on my report. 
Additionally, the " XXXX XXXX XXXX '' collection agency should also expunge negative data from my Experian CR for the same SCRA right to terminate any lease due to XXXX deployments. Thanks for your 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I have made a wire transfer from the XXXX to XXXX of {$1500.00} through XXXX on XX/XX/2021. I sent it to my father 's account to support my family after I got a confirmation saying that the money was sent I checked with my father and got to know that he did not receive it. 

So, I contacted XXXX support ( on XX/XX/XXXX or XXXX ) to know the status of it and while checking the recipient details I came to know that I have missed a digit in the recipient account number. Then the support person asked me to change the recipient details and told me they would pull back the money and send it to the correct account. 

Today ( XX/XX/2021 ) I contacted them again to know about the status they were not sure and said that it depends if the bank is sending the money back to them they would be able to do the pullback. They are not giving me assurance so I am raising this complaint just in case to be on the safer side. 

I know I have made a mistake but it is still my money any fees deduction is fine but can not afford to lose all my money. 

Kindly help me with this issue since it is big money for me and my family. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Without requesting it, I received a Square business debit MasterCard in the mail. There was no enclosed explanation, and the only instructions were to activate the card via some Square Dashboard which I have never used, especially not as a business proprietor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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: 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 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 2022-12-27
Company: EQUIFAX, 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a XXXX XXXX credit card being reported by XXXX, Equifax and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. 

XXXX5 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 an 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. 

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know what company this is or was provided any service by this company or not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 2021-09-03
Company: USCB, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
By the laws governing my state, the State of New Mexico, this company needs to be licensed to engage in their debt collection acitivities. They do not have a valid or active license in my state and therefore are unlawfully engaging in collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my balance in XX/XX/XXXX. In XXXX the company added on a {$2.00} fee to my account without my knowledge and didnt send me a bill for this fee instead they added late fees each month and showed my account as missed payments from XXXX - XXXX XXXX have not used this card since XX/XX/XXXX and was under the impression my account was at a {$0.00} balance. I called they agreed to waive the fees and show my account as current and never missed a payment. But now I check my credit report and they are reporting {$99.00} balance and late payments. I called back and they told me it was nothing they could do to show my payments was never missed. They falsely report my payments as late from XXXX to now. They said they balance would reflect as {$0.00} until XX/XX/XXXX 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a living, breathing woman representing myself. I recently pulled my credit report and noticed a fraudulent collection item added by a company I've never contracted with nor have ever done business with SEQUIUM ASSET SOLUTIONS LLC. I have no idea what this alleged debt is and was NEVER contacted by SEQUIUM ASSET SOLUTIONS LLC in writing prior to this false information appearing on my credit file which is a violation of the Federal Debt Collection Practices Act. Furthermore I never authorized SEQUIUM ASSET SOLUTIONS LLC access to my credit card which is in fact my social security card. In order for them to put this false claim on my credit report they had to have access to my personal information including my name, date of birth and social security number which is a grave breach of a consumers right to privacy. This corporation has stolen my personal information & attached an alleged debt to my consumer report in an attempt to collect money not owed or due to them. It says this " account '' was opened XX/XX/2022 but I have NEVER been contacted by this debt collector. They even reported on my consumer report that this " account '' was transferred to an attorney which by federal law is also a debt collector that I have never entered into an obligation with. I have filed an identity theft report with the Federal Trade Commission, the Attorney General of Georgia, and will be personally pressing charges on XXXX XXXX XXXX. This false collection has gravely impacted my ability to extend credit, my brand & my mental and physical health. This is a grave breach of personal information by a corporation I have never done business with. Give this the attention that it gravely needs because I am invoking my consumer protected rights & will not stop until this company doesn't harm another consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have requested a full account of all of the payments I have made against this loan and Navient was not able to provide. This is a loan that was taken out in 2001 and the original loan amount was for {$7600.00}. I feel as though I was pressured into getting the loan and even though I did n't not complete the program I was still obligated to pay the full amount. I owe more now that what the original loan was for, I feel like this was predatory lending and would like some kind of resolution but Navient has not been willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: First Credit Services Inc.
State: AR
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 recieved a debt collection letter from First Credit Services , inc . Listed the Creditor as XXXX XXXX XXXX XXXX XXXX. The balance listed {$640.00} XXXX XXXX XXXX. 
This letter is the first and only time I've heard anything of this account. I've never applied for this account never paid on this account ; I've never heard anything about this account. This debt is not mine and I'm not paying for it. I spoke with XXXX at the credit services and fully explained this is not my account nor my debt and that I would be filing this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the final time going to let Bank of America know that I have indeed submitted insurance information and documentation to them. It was submitted via the CFPB in XX/XX/XXXX and it was one of the complaints that BOA simply did n't read ( obviously ) and simply provided a cut and paste response. The consequence to this is that Bank of America is falsely accusing me of not paying my full mortgage, which I have been paying, and plain and simple, Bank of America is wrong, that information/documentation was provided, it 's well documented, Bank of America was just negligent in handling the information ... I 'm writing this message/complaint just as further documentation that Bank of America was provided the information and it is now up to Bank of America to make the many corrections to the account as obviously all balances are incorrect, there should be no fees, the account should be adjusted and returned to where this never occurred ...

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 2022-12-27
Company: Aargon Agency, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Sir or Madam, I was shocked to discover that my Credit Reports were damaged by AARGON COLLECTION AGENCY located in XXXX XXXX XXXX  on XX/XX/XXXX for {$9700.00} balance for emergency XXXX XXXX  visit in XXXX on XX/XX/XXXX despite I am insured by XXXX. 
I immediately contacted the Collection Agency informing them that I was insured and they must discuss with XXXX XXXX and XXXX to settle the debt, however, they declined. I next contacted the XXXX XXXX asking to settle the debt and contact the XXXX, they declined. 
My credit history is brutally damaged and no way to fix it because both : Collection Agency and XXXX XXXX did not lift a finger to correct the mistake. 
In addition, the XX/XX/XXXX emergency visit was covered by the XXXX XXXX Founds and the Agency could send the unpaid medical bill to that Fund. 
Please investigate the Agency 's actions and ask them to immediately pullout the negative collection note posted on my credit report. Thank you!

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 2022-08-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WHAT AN INCREDIBLE IDEA! This account is something I am unaware of. How come my credit report is reflected there? For this account, I want verification! With this account, I am not under any agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Avant Holding Company, Inc.
State: AZ
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:
On XX/XX/2023 i applied for a credit card. With a soft credit check i was approved. Once i was approved i authorized a hard check. I have an alert for fraud due to past activity on my name. AVANT Credit card companny then cane back and said due to the alert on my file they were unable to verify my identity and i was denied due to my email address. They never tried contacting me for more information. They never attempted to rectify this in any way and there was no reason for the denial other then a fraud alert. Denial of a credit account based on an alert placed by me to prevent fraud is a violation of the fair credit act. I advised them of this... i also advised if they cant veeify my identity, then who is to say XXXX XXXX initiated the Hard or Soft Credit check at all. Who is to say XXXX XXXX even applied for the card. The credit card waa denied since they said they couldnt verify my identity. They say they wont remove the hard credit check because they know " XXXX XXXX '' is the one who initiated the credit card request. However their denial states i was denied since they could not verify that " XXXX XXXX '' applied. Your denial must match the reason for the hard credit check. You cant have an approval and denial for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX XXXX XXXX remote ) at a major university. I received an email got a professor seeking remote opportunities for a research assistant. I responded. Did the work. A check was sent via email to my school account to deposit the check. It showed it as deposited in my account for {$2000.00} to pay for office supplies. They needed me to order the office supplies so I can start working. So I sent {$1600.00} via XXXX to the personal ordering supplies. This was XX/XX/XXXX. Today XX/XX/XXXX Bank of America said it was a bad check the {$2000.00}. So I reported this to the fraud department today the person I sent XXXX to, the text phone number from the fake professor. Bank of America said they can not guarantee I will get my money back. I told them any fraud through said should be recovered and returned to me. I submitted a scan claim to FBI today XX/XX/XXXX. I also submitted a police report to XXXXXXXX XXXX police today also. And I called XXXX university police but they said first I need to file a complaint where I live, I have all emails and texts and XXXX name saved. I hope you can assist. Thank you.

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