BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: SYNCHRONY FINANCIAL
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:
In accordance with 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 : SYNCB/XXXX  # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.

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 2018-10-12
Company: Early Warning Services, LLC
State: FM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a checking account with XXXX today, XX/XX/2018. I was denied stating " Prior unfavorable experience with a financial institution. Current unfavorable experience with a financial institution. '' I contacted Early Warning to contest and dispute the incorrect information being reported that resulted in me being denied. However, as of today, Early Warning has not removed the account from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have no signed contract with XXXX XXXX XXXX XXXX XXXX XX/XX/23. I have no knowledge of this debt or account. 

I have no signed contract with XXXX XXXX XXXX XXXXXX/XX/23. I have no knowledge of this debt or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: NY
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:
Account owner XXXX Account XXXX reported XX/XX/XXXX Account status XXXX XXXX XXXX XXXX XXXX amount owed {$83.00} Original creditor PROGRESSIVE Date assigned XX/XX/XXXX Agency XXXX COLLECTIONS Status date XX/XX/XXXX Delinquency Date of last payment Balance owed {$83.00} Comments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Westlake Services, LLC
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 a Fair credit reporting act [ WESTLAKE FIN XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-18
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: Investigation took more than 30 days

Complaint:
the credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: CT
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:
Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with XXXX as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: PR
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America has submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: AMERICAN HONDA FINANCE CORP
State: CT
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:
Dear Sir or Madam, This letter is intended to request the Honda Financial Services to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to Honda in person at their dealership at the time of the ownership closeout. Honda however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. Honda submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with Honda as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: Bliksum, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/2018 and advised that their client was XXXX XXXX and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/18. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX  did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: CA
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:
As per the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ) a federally protected consumer, it emphasizes the necessity of ensuring that consumer reporting agencies carry out their responsibilities with fairness and respect for the consumer 's right to privacy. Notably, Equifax and XXXX function as consumer reporting agencies, with me being the consumer. I assert my right to safeguard my private information, supported by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to respect customer privacy and protect the confidentiality of nonpublic personal information. 
Under 15 USC 1681, Section 604, Subsection 2, it is specified that a consumer reporting agency may only furnish a consumer report by the written instructions of the concerned consumer. I am now opting out of all authorization I the consumer may have given written, unwritten, verbal, and nonverbal, for the furnishing of my information by financial institutions or consumer reporting agencies, such as Equifax and XXXX. Any consent or authorization given to report my information to a third party is hereby revoked. I am now rescinding that authorization, this is effective immediately and indefinitely. 
Referring to 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. I was not informed of this right by the furnisher of information to credit agencies. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information exceeding seven years. The reporting of adverse information without my permission violates this provision.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, no person shall furnish inaccurate information to a consumer reporting agency. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations and restrict the furnishing of consumer reports to specific purposes. Equifax and XXXX appear to be non-compliant with these obligations. 
Moreover, 16 CFR 313.1 affirms my right to opt out of reporting services at any time. I am hereby exercising this right and opting out of your reporting services. The law states it is illegal to report my transaction history and ask for the information to be updated to show paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I Currently have a few fraudulent accounts in inquiries appearing on all three of my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries. 
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 2022-07-12
Company: Kikoff Inc.
State: NY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Account opened fraudulently by Kikoff Lending. I have tried multiple times to resolve but company claims I opened account. Working with XXXX XXXX XXXX to resolve issue. The Kikoff Lending account was opened in XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is currently engaging in dual tracking. Dual tracking is prohibited during the modification process. 

Please see attached documents.

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 2018-10-03
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My late Father executed a Security Deed for a residential property. Now which was duly recorded. Upon my Fathers passing his longtime female companion remained in occupancy of the home and continued payment of the mortgage to cover her permitted occupancy. We were informed that the mortgage was sold. As Executor of my Father 's Estate, I established contact with the Mortgage Company. They refused to provide a status of the mortgage account despite my presentation of a probated Will, proof of Executors authority and all other pertinent instruments to confirm Plaintiffs authorization. A Check for the mortgage which was cashed and not accounted. Additionally, another Check was returned by the mortgage company refusing to accept payment. They have subsequently sued the Estate to begin foreclosure proceedings one year ago. Recently, I received a letter and a check from the mortgage company for a refund of Escrow claiming that I requested it. That is a confirmation of their inaccurate accounting and wrongful actions as I nor anyone authorized requested a refund. The mortgage company 's actions violate the right of myself and siblings who are beneficiaries of the Estate for that reason I ask for your immediate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Essential Lending Inc
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone has changed my debt amount XXXX. I have my case number your website is new ... ..the old website gave me a case number XXXX. I was just searching around to see if you might have information on what happened and what the loan amount was showing at the time of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: NC
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 as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had service with XXXX over 10 years ago and now I collection name XXXX XXXX  is damaging my credit stating it was opened in XX/XX/XXXX and I didnt open an account at this time. 
XX/XX/XXXX Date Opened Collection account. {$430.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$430.00} Original Balance {$0.00} Highest Balance 1 Months Terms Apr XXXX On Record Until {$430.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

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 2021-09-02
Company: EQUIFAX, INC.
State: NJ
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: JPMORGAN CHASE & CO.
State: KS
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:
On XX/XX/2017, I used my Chase XXXX credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my XXXX card of {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: DISCOVER BANK
State: KY
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:
XXXX XXXX XX/XX/XXXX AND DISCOVER BANK XX/XX/XXXX and T XXXX XXXX XX/XX/XXXX these accounts not opened by me. I only have 2 cards with XXXX XXXX and 1 credit card with XXXX XXXX. Ive sent many letters to all 3 credit bureaus and also to XXXX XXXX and Discover Card bank with no resolution. I am still wait to hear back from XXXX XXXX cause ive never had services with them also.

Company response to consumer: Closed with explanation