BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: Advantage Credit, Inc.
State: UT
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 Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXXXXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

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 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This is more about fraud protection. My debit card was stolen while I was caring for my XXXX and XXXX father. I wasnt living at the home where my mail comes, so i didnt receive any type of statements. During this time my debit card was stolen and {$17000.00} of my money was used for online games, and XXXX XXXX transactions. I filed a claim as soon as I found out ( within the approved window ) within 18 hours my claim was denied. I reopened the claim and in 18 hours claim was denied. Even after faxing my police report, my claim was denied. My funds are supposed to handled by a real live person, not an automated computer that used codes to decide if its real fraud. Bank of America has stolen {$17000.00} from my account. By not investigating this account appropriately and with a real live investigator. I have been violated by the banking industry. I cant buy my medications, pay my bills or feed my two children now because a computer said it wasnt possible it was real fraud. Shame on Bank of America for taking advantage of people. They closed my claim because I didnt give proof, but they didnt ask nor did they give me time. I provided a police report the next day and closed my claim 6 hours later.

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 2021-07-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initially mailed a VALIDATION letter to ARS in XXXX of this year ( 2021 ). I only received vague information on their letterhead, nothing proving that the debt could be for me. Next, I submitted a second letter specifically asking for validation, proof ( documents bearing my signature, statements, etc ) and method of verification etc. They in return sent the same letter again. I would like to receive the proper validation I am due by law. If they can not support their claim I would like this collection to be ceased from reporting to the bureaus and also removed from my credit report. This is my last step before going to my hometown court house to initiate a small claims case against HRRG dba ARS.

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 2018-11-28
Company: SYNCHRONY FINANCIAL
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 is missing that should be on the report

Complaint:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX/PayPal, Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have 2 personal accounts that are removed from my credit report. It has been removed for a while now. 
XXXX XXXX XXXX was opened XXXX XXXX Limit {$30000.00} XXXX was opened XX/XX/XXXX Limit  {$30000.00}

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 2018-11-28
Company: Diversified Consultants, Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
I have been trying to get this debt properly verified. I have requested for original contract. They refuse to provide this information. Every month they report the account as late to the XXXX Agency and it decreases my score. I have been trying to deal with this for a year. I dispute this account and XXXX says it has been verified, but there is no proof. Diversified Consultants have been reporting since 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: MI
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:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few weeks ago I noticed a new entry of a Collection account on my Credit Report ( CR ) via XXXX XXXX XXXX online platform. The new entry was from CBE GROUP collection amount = {$900.00}. I was able to dispute this new entry with XXXX Credit Bureau, however, in their Account Dispute they did an Update, and the new entry remained on my CR. I intuitively knew something was wrong when XXXX left the fraudulent entry intact, I then decided to check my profile with XXXX to make sure my information was correct and accurate -- -it was there I discovered that CBE had provided an erroneous address to XXXX and the other Credit Bureaus such as XXXX and XXXX  . The erroneous address is XXXX XXXX XXXX XXXX, TX. XXXX Please note, I have never lived there or have ever visited XXXX, Texas in all of my life. Therefore, it is plain as the nose on a face that this CBE collection claim is fraudulent. They claim to have my correct name and social security number, but the account is fraudulent as I do not owe the original creditor, XXXX XXXX any monies. Indeed, I have maintained a XXXX XXXX with XXXX for the past 15 years, and said account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive contacted TransUnion they have 20 inquiries on my credit file that Ive asked them to remove. Im unaware of this information being on my file I do not approve of it and want it removed as soon as possible. I just was released from prison. With no credit history or information Ive tried calling and contacting them but I believe due to the covid 19 I cant get through. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$100.00} opened on XX/XX/2020 for {$100.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
See attatched Transactions of XX/XX/XXXX statement of New Transactions {$470.00}. see attatched FRAUD LETTER of XX/XX/XXXX CLAIM DATE XX/XX/XXXX {$470.00} ARE UNAUTHORIZED Transactions. See attatched Transactions XX/XX/XXXX DUPLICATE UNAUTHORIZED FRAUD 2ND TIME {$470.00} New Transactions. ( ** USAA HAS OWED ME {$470.00} CREDITS SINCE XXXX ** ) USAA HAS DESTROYED MY EXCELLENT CREDIT FOR WHAT I DID NOT OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: IL
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:
Ive tried contacting Equifax in regards to this matter I have inquiries on my credit file that I did not approve or do every inquiry on my credit file is incorrect. Ive tried to contact them to remove it. I have a credit freeze on my file so Im unsure on why would any inquiries even appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Monitoring agencies had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. I have asked for investigations, I have made phone calls to Bureaus and collectors, without any prevail or response in a timely manner. 

No notice was ever given which is also a violation and I am requesting that ALL previous collectors be removed. I am unable to obtain a mortgage because of errors on my credit report that were not investigated properly. The glitch caused investigations to take longer than 30 days and late payments to be removed and then readded on over 2 accounts XXXX  and XXXX XXXX. If these companies have verification that I was late it defaulted on a loan a late payment should not have been removed then placed back onto my reports. There are error on my reports from Natural Disasters in 2016. These reports are undeniably creating missed job opportunities during this pandemic, mortgage loan failures, and causing more problems on my life during such a crucial time in the economy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Opportunity Financial, LLC
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: Account information incorrect

Complaint:
Im a victim of fraud and I want my financial freedom back. My complaint is against OPPORTUNITY FINANCIAL ACC # XXXX date open XX/XX/2016, status closed derogatory. I already tried disputing this with the company and they still have not remove fraudulent account from XXXX credit bureau, violating the FCRA in which the credit bureaus have to remove the fraudulent information. The FCRA requires credit bureaus to block the fraudulent information from my credit report as resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my XXXX report as soon as possible due to the fact that it is a fraudulent account. Im attaching a Federal Trade Commission report, with letter sent to Opportunity Financial alerting them that this account has fraud charges. In the case that the account still remains in my report I will take legal action against Opportunity Financial. This is a clear violation to my financial rights and to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Rocket Mortgage, LLC
State: NY
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:
Rocket Mortgage pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: AMERICAN EXPRESS COMPANY
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:
Dear Sir/Madam, In short, American Express " the big name '' in the financial sector, phone operators are trying to trick me into getting some money from my card and also blackmailing me to divulge my bank account details to them over the phone so then the operator can possibly take some advantage of that. Just so you understand, American Express already has my bank account details saved on my Amex account but still the operators want me to divulge my account number, routing number to them on a personal level. 

1 ) I spoke to a female manager 2-3 days ago about the {$31.00} credit sitting in my XXXX XXXX XXXX. I requested the manager NOT to send me a check but to put the money in my bank account, the bank account details are already set up in my American Express account. She said it would take take upto 3 days for the redeem to complete and then once the amount shows up in my card, she will wire the money in my bank account. I told her I am currently overseas and gave her my overseas mobile number and she said she will call me in my overseas phone number and confirm me on the wire. Never got a call back from her. Then a day later received a message saying there is not enough money in my card to be sent to my bank account. 

2 ) Called American Express today and the female representative says that email was sent before the amount showed up on my card. She then asks me to provide my bank account details and the routing number to her on the phone. I told her my bank account details are already set up in my Amex account. She said I still need to give her my bank account details on the phone for her to put the money in my bank account. She said she would not tell or give my bank details to anyone and that I can trust her. ( What she was saying, these kind of things normally come from scam calls we receive on our phones sometimes. ) She sounded very suspicious and strange. I hung up the call and call again. 

3 ) I ask for a manager directly and I was put to a male supervisor. The supervisor said the system is not letting him transfer the money to my bank account. He said he will speak to the first manager. 

4 ) Few hours later I again called Amex and this representative named ( XXXX, ID XXXX : From their XXXX, XXXX OFFICE ) put the call on hold for over 1hr and deliberately refrained from getting a manager on the call. 

2 hours on phone call with Amex and I could not get my {$31.00} transferred to my bank account. This is not what we expect from American Express. Exactly how much crap would I need to take to get this money sent to my bank account!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint.This document has also been sent Certified mail to this organizations offices.

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 2018-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation