BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
From my XXXX XXXX account I deposited {$2500.00} on XX/XX/XXXX, {$1700.00} on XX/XX/XXXX, {$2500.00} on XX/XX/XXXX, and Unemployment benefits {$960.00} on XX/XX/XXXX, All INTO MY PERSONAL safe advantage BANK ACCOUNT ending XXXX with Bank of America. On XX/XX/XXXX I noticed that My Bank account was closed. When I tried to log into my account online. I called Bank of America a representative stated that they put my account into risk closure and said they will not give me any further information of why my account was closed and that they are just ending business relationship with me. I was shocked given the fact that I did not give them a reason to close my account in the first place. I had a total balance of {$7800.00} in my account at the time of closure. I needed my money for the next day to sign a lease to get my business up and running again. I told the representative that I will like to go to the branch the next day to withdraw my funds. She said she would put in a request but there is no guarantee that I will receive my funds. At this point I am livid and filled up with anxiety. I had worked really hard to save up that money, and I feel like Bank of America is trying to steal my Money. She does not give me any details on why and the supervisor said the samething. Then the next day on XX/XX/XXXX I go into the XXXX NY Bank of America branch and speak with a manager there. She calls the back office to release the funds available in the account. The back office refuses to release funds they explain to the branch manager that the account is in risk closures and that the funds must be analyzed by an analyst before they can be released. 

This has caused a huge Inconvenience for me and I am very nervous that the bank will not give me my money that is in the account. I ask that you please contact the bank and have them release my funds to me. We are in a pandemic. And to do what bank of America is doing to people during this time is not only criminal but very very unethical. They show no remorse or care about people 's lives they damage. They never even notified me before closing the account they just closed it without warning or explanation. 

The numbers i called before going into the branch were : XXXX and XXXX. The Branch I went to is located at XXXX XXXX XXXX, XXXX, NY XXXX. Phone number XXXX. 

I beg of you to please help me with this matter. I don't know what else to do.

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 2023-01-13
Company: Absolute Resolutions Corp.
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:
Absolute Resolutions Investments is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted from the credit report ( s ) of XXXX XXXX due to identity theft. 

XXXX was deleted from the credit report ( s ) of XXXX XXXX about the dates of XXXX XXXX XXXX. 

Attached is Absolute Resolutions Investments documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
The consumer reporting agency has violated my consumer rights under the fair Credit Reporting Act. Specifically 15 USC 1666 B, other violations are shown in the screenshot.

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 2022-09-29
Company: Experian Information Solutions 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 XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI 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. 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 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2020-12-17
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-11-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I sent many complaints and it has been over 3 months and still no change to my report all of the companies listed below in the attachment used my personal information without my consent. And still have yet showed proof of them having my permission to do so. I demand these thing be removed from my report immediately.

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 2021-09-24
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I tried to apply online. I could not log into account. In XXXX I started the loan process but did not complete it. On XX/XX/XXXX, I called in about the issue. I was told they did a business review of my account and they would not do business with me. I requested a reason why and I was informed that they would not tell me why. I told XXXX that I had a right to know the reason. I offered to provide a updated address to send the reason to me via letter. She still refused to give a reason. I requested to speak to a supervisor and I was informed one was not available. I have the right to know the reason and to know if they are circulating this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX. 

Account # XXXX XXXX XXXX. 
Account # XXXX Account XXXX XXXXUS.dept of edXXXX Account XXXX XXXX-US.Dept of Ed/XXXX Account # XXXX. Dept of ED/XXXX Account # XXXX Account # XXXXCredit collection serviceXXXX Account # XXXXXXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: SYNCHRONY FINANCIAL
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:
There are several inquires on my credit file that dont belong to me and I dont recognize I asked the bureau to investigate and they failed 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 2019-04-27
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX 2018 I had a credit card with a limit of {$5000.00} dollars taken out under my account with Navy Federal Credit Union. I filed a police report and sent it out to all three major credit bureaus to resolve the issues and make progress to restore my credit in XXXX of this year. I also sent police report to Navy Federal but my claim was denied and I haven't received an answer to why. I have two other bank accounts that are open and didn't use my Navy Federal account which lead me to not have any knowledge of these fraudulent accounts for a while. Once I got the items removed from my credit report after about a month its showed back up on my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
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:
This is regarding debt reported to Equifax. This debt is incorrect and is not owed. I was charged for damages that were not made by me to the apartment I lived in. Not only were they not from me, they were charged to my account beyond the limitation required by State law. It is the law that an itemization of damages to be charged within 30 days of moveout, this was not done. I disputed the charges through the complex and they never replied that they would be adjusting the amount. Instead, they sent me straight to collections. I disputed with XXXX and they have taken the account off of my profile. Equifax, on the other hand, " investigated it '', and updated the amount from {$210.00} to {$210.00}. It seems as though the investigation done was not proper at all. 

This is unacceptable because I provided more than enough documentation to prove that this was an unlawful and incorrect charge and now it is affecting my credit. I provided documentation of communication with the complex as well as the applicable statute which states that I can not be charged beyond 30 days. ( It was 50 days when I was charged ). This should be clear cut and taken off of my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit report from WAYPOINT RESOURCE GROUP # XXXX in the amount of {$150.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account on my credit from AFNI # XXXX in the amount of {$260.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Westlake Services, LLC
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:
I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company has stated that they closed my account upon review and discovery of " red flags '' I would like a full definition of what constitutes a red flag and what transactions were identified by this process and definition. 

The explanation given is not adequate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX reporting : XXXX I noticed a Bankruptcy is reporting on my credit report. However, it's only reporting in Equifax and XXXX. This bankruptcy should NOT be on my credit reports as its not properly validated and its violating my FCRA laws. 

In accordance with the Fair Credit Reporting Act, you have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 and proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX called from XXXX First Point Credit Collection and stated i owed over {$400.00} to XXXX XXXX XXXX  For a XXXX  XXXX  i have not had. She said it was for invoice XXXX on XX/XX/2018. 

I find scammer information about this that is very similar. 

I contacted First Point credit and they have no record of debt. They are receiving numerous calls about similar issues. Also XXXX XXXX XXXX is out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please see the attached files of dispute items that I am requesting to investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with XXXX and Transunion ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked XXXX and Transunion to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.

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 2023-09-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I made a purchase thru PayPal and requested thru PayPal to return an item because it was defective I also requested a return shipping label and was told to bear the cost of shipping myself Why should I pay for shipping for a defective item?

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 2022-02-20
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ask Discover Card for a settlement however they couldn't come up with a solution for me. I only received SSA and that very limited income. 


Also, I would like to know when it was charge off, age of the account on company letter head. 

If its collectible would like to know what settlement offers available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I changed my legal name in my local circuit court on XX/XX/2019. Then changed with SSA and Virginia DMV. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?

Company response to consumer: Closed with explanation