BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 U.S.C 1681 Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX 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.Section States : no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # 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 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: LEXISNEXIS
State: TX
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:
LexisNexis recently closed Complaint # XXXX indicating that they removed all unverifiable information from my consumer report, however upon reviewing my uploaded consumer report all the items LexisNexis indicated was unverifiable and removed still existed with different variations of some information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from ALLY FINANCIAL and ALLY FINANCIAL C/O GMA in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.

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 2022-07-10
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX Credit, XXXX credit card XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, Please take another names of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One credit card close my account after a period of inactivity, said that they sent a letter warning me before closing the account in XX/XX/XXXX, and then closed the account in XX/XX/XXXX, but never got that warning letter. They closed my account and said all my reward dollars are now lost, {$5700.00}. 
Called 4 time : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX. 
Wrote letter XX/XX/XXXX to Capital One credit card company appealing closing my account without warning, and pay the rewards, which I got a response letter to call them to try to resolve the issue. 
Capital One company turned down my appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive communication from this collection agency by phone or by mail before the debt was placed on my credit report. 

On XX/XX/2022, I submitted a request for validation of debt in Complaint ID XXXX. My request to validate the debt has not been responded to in full. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports immediately.

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 2018-11-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My name is XXXX XXXX and I am having issues with Equifax and getting information. I initially pulled a credit report with a credit monitoring site and noticed that Equifax was reporting some inaccurate information, such as two accounts showing charged off with XXXX XXXX XXXX XXXX. I have never had any type of bad account with this bank, so I researched my options and a letter was sent to Equifax demanding they remove the the false information. This was back in XXXX of this year. I never received any type of response from them so another letter letter was sent XX/XX/XXXX and to this day I still have yet to hear from them. I have sent a 3rd request on XX/XX/XXXX and no response. I accessed my account with XXXX XXXX to see if maybe they are working on things and just not sending me the information but that information hasn't been updated on XXXX XXXX 's site since XXXX of LAST YEAR. It shows that for some reason Equifax is completely ignoring me. With ever correspondence sent I included the documentation they request to research items so that is not the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 my Bank of America credit card was charged USD XXXX to make a XXXX purchase in XXXX XXXX. Two days ago I noticed this transsaction so I immediately called the bank cause I did not recognized it. I opened a fraud dispute and the card was cancelled and they issed a temporary credit for this amount. However on XX/XX/2020 I received a letter from Bank of America ( attached ) saying they would charge the money back cause they could find out ( they dont say how ) I used the card and the pin was entered ( which is a lie cause credit cards do not require pin ) so that they would close the case. I reopened it on XX/XX/2020 and a few days ago I received a letter from Bofa saying they still considered I did the purchase. They do not explain which XXXX was it, because there are a lot on XXXX XXXX, how they can prove I did it, or any additional details I would at at least like to know. I have been their customer for more than two years I always pay on time, I dont see the point I would be making out this story and not paying for something I used. But in this case I feel totally helpless, I did not purchase anything for that amount in XXXX cause I not even live in XXXX XXXX, and my purchase history can tell it. I feel disrespected cause they not even took the time to check with XXXX they just say your card was used I say probably it was so but it wasnt me or anyone I have authorized. I also mentioned before a few days ago I have given my card info by phone to a clinic so may be thats how they got my card info.

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 2023-03-28
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


1. XXXX/dept of ed # 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 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 moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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:
Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 XXXX XXXX, two fraudulent credit card charges posted to my Bank of America account. 1 was {$790.00} and another was {$550.00}. Both were in-person transactions according to the bank. 

I had the card in my possession and it was with me at home on both of those days. I called to file a credit card fraud claim, but about two weeks later it was rejected on the grounds that the chip was used in the transactions. I also noticed that BoA erroneously included a third, completely valid transaction from before XXXX ( why? mistake? ), which I suspect led to my claim being denied. I appealed the decision, and furthermore filed a police report with XXXX XXXX police department as they requested, to work with them in good faith, and sent them a copy of the report. 

After roughly a month of no communication, and no indication that they even processed my appeal, I called them back. They put me on hold for over half an hour and maliciously redirected me in and out of the fraud claims department and refused to tell me information about my claim status. I believe they have no intention of working in good faith with me regarding the claim.

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 2020-12-01
Company: Dyck-O'Neal, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dyck O'Neal is a debt collection for XXXX XXXX. Dyck O'Neal is reporting eight times on my XXXX when there is only four accounts. They are also reporting different amounts on my XXXX it says I owe {$0.00} and its not in a collection status when it states that it is. They made XXXX score drop significantly by reporting double four in collection four with regular accounts that are not in collection showing eight open accounts. This company is presenting fraudulent activity. The original company was paid off. I do not owe Dyck O'Neal. They need to be removed from my credit report due to fraudulent and inaccurate activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have 2 accounts with XXXX. One account have been paid in full from XX/XX/XXXX of {$180.00}. I also have another account of {$280.00} which have been paid in full. However, I received an alert that these paid accounts are delinquent after they have been paid in full. I also realize that an account appeared on my report for {$400.00} from XXXX which I know nothing of. The company need to evaluate their reporting under the FCRA as this is illegal to report something that is untrue.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-03-28
Company: Paramount GR Holdings, LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Contract was signed with XXXX XX/XX/XXXX my loan with goodleap begun XX/XX/15 At this time my panels were not functional and had trouble getting in contact with anyone from XXXX. 

On XX/XX/XXXX while watching XXXX we found out that the company XXXX XXXX was no where to be found and of a possible bankruptcy. 

I expressed my concerns with Goodleap and informed them of the bankruptcy and how my panels were left at a 10 % install progress. They assured me they were not under bankruptcy and that they ( Goodleap ) called in XXXX to let them know of a " New Year Staffing '' this conversation was saved. 

During thus time I called my electric company and they informed me that XXXX never sent interconnection applications and we were not approved for the panels placed on our roof. I also called the city and was informed XXXX never requested permits to work on our roof. 

I kept calling Goodleap every week to ask about the status of my complaint with no luck. I called for 2 months straight with no new answers. 

As of XXXX I decided to hire a lawyer to help with this matter. 
This lawsuit has expanded into a class action lawsuit with more than 100 ( this list keeps growing ) customers affected by XXXX and the financial companies. 

I would like Goodleap to cancel my loan and pay me back the money sent. I paid {$12000.00} as an initial payment and 3 months of {$150.00} after that. XXXX breached the contract by not finishing the job and Goodleap dispersed the money without verification of the status. 

Thank you!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions Inc.
State: IL
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:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.

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: EQUIFAX, INC.
State: NV
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: IN
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