BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: AL
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:
Ive reached out to Equifax in a recent dispute and asked for the account with XXXX XXXX XXXX  XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. After the reinvestigation, Ive noticed that the date of last payment is incorrect and that the last due amount, actual payment amount, high credit amount, date of last activity, monthly payment, account status, creditor classification, balloon payment date, balloon payment amount, deferred payment start date, date closed, scheduled payment amount, and charge off amount remains incomplete, in which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I put my money into over five banks for me still say Im negative but I dont know why I dont have any money the reason for it is because all of the time Im putting money in the bank and Im not getting the money back and I was on unemployment now Im on nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had been approved for my edd benefits and had issues with my card in XXXX of XXXX. I was locked out of my account for almost a year. When I finally received a new card and thought things were good again in the beginning of XX/XX/XXXX, bank of America kept freezing my card for suspected fraud almost every time I used my card. And now they are requesting me to go into a bank with an id and I don't have an id at the moment because my wallet was stolen and don't have access to my money so I can get a new one. When I asked them the reason for them freezing my account the would not give me an answer

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 2023-02-11
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 XXXX XXXX XXXX Account # ending 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is pure evil and sick. They harass you and your family and they have a record of doing it intentionally. They hunt down your family members and harass them with false information using your personally identifiable information. I suffered irreparable harm from their wrongdoing and it has caused damage between my family and me. My mother and I no longer have a positive connection due to the false and misleading, and deceptive trade practices this company uses against consumers. This company uses threatening and extortionate means in ways to collect an alleged debt. I the consumer am making this complaint to bring light to the harm that this company has been intentionally inflicting on thousands of consumers daily. They have no regard for a consumer 's right to privacy. It is time that the CFPB takes action against this company for its abusive debt collection practices. They conspire with other corporations to deprive consumers of their inalienable rights by using vigorous methods to extort consumers. They a well known for violating several of the acts that congress has placed to protect consumers. They willfully and knowingly will ignore your efforts to have your information corrected in their database. They even violate their policies and can not be trusted. If you are a consumer like me, the time has come to report this company 's actions to our elected officials to bring awareness to a seemingly endless black hole of deception.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Account was put on credit report, causing loss, financial hardship and denial of credit. pretending to be from from government agency. re-aged debt. statue of limitations on debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Trans union regarding some inaccurate inquiries and they refused to look into my report. i called on XX/XX/XXXX to ask why and the representative told me to provide letters from the company stating why they pulled the report. i know my rights and i have the right to dispute and inaccurate imformation on my report. the following was included, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
in accordance with fair credit reporting Act XXXX, Transunion, XXXX has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 According to 15U.S.C 1681 section 602 A States I have the right to privacy. these address and phone do not belong on my credit report XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and phone 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 2023-11-06
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the GM Business Rewards Card, they approved me for a {$6000.00} spending limit but they are requesting some additional documents before finalizing my approval and sending my card. 

I have sent in the additional documentation requested, which is my state ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to BK OF AMER XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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 2021-08-02
Company: Village Capital & Investment LLC
State: GA
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:
Without my permission or being contacted in any form or fashion, XXXXVillage Capital pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the 866 number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and XXXX. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX/Village Capital & XXXX / Mortgage XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: AL
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 Act XXXX  account numbers XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, 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 an account without my writing 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 2022-06-22
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account XXXX have violated my rights

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 2022-06-22
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Yes I noticed that there are unauthorized inquiries on my account from experian and XXXX I have reached out to the company and still no response. 
Experian is reporting the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX mortgage. 
Thank you for assisting me during this time.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Yes I noticed that there are unauthorized inquiries on my account from XXXX and Transunion I have reached out to the company and still no response. 
XXXX is reporting the following accounts XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 
Transunion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX mortgage. 
Thank you for assisting me during this time.

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 2022-11-25
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to MR Cooper back in XXXX. Followed the instructions for the onboarding process as written. Spend somewhere between an hour or XXXX last year being transferred from person to person making sure my XXXX XXXX XXXX was going to be paid on time. They apologized for all the delays in the onboarding process. Sadly enough it was late. I had to pay it out of my pocket to make sure my coverage stayed in place. This was for coverage last year. This year once again my XXXX XXXX XXXX  has been paid on time. It was due on XX/XX/XXXX. XXXX has lapsed! According to MR Cooper 's website, It states it was paid on XX/XX/XXXX. I was catching up today XX/XX/XXXX and logged onto XXXX website and it shows payment past due. Once again my coverage has lapsed. This is XXXX years in a row!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX Since around XX/XX/XXXX, I have NOT been able to access my California issued Employment Development Department ( EDD ) - Unemployment Benefits Visa Debit Card, serviced by Bank of America ( BOA ).

I can NOT login to my Account on Line, it says " Your account can not be accessed. Please call the number on the back of your card. '' I have called BOA numerous times ( roughly 20+ calls ) with no resolution. I asked to speak with a Manager/Supervisor, and was placed on hold for approximately 40 minutes. I could wait no longer.

I was ultimately told by BOA staff that only EDD can unfreeze my account. 

I contacted EDD repeatedly. They reviewed my account and said there should be no freeze on my account. As I DO NOT have an " active '' claim with EDD, I was told the matter is between BOA and myself.

I asked BOA to provide me with a WRITTEN explanation as to WHY my account is frozen. They refused. I was told there is NO TIME FRAME for resolution of my frozen account issue.

I again, contacted EDD who explained there " may '' be some technical issue, and that they are looking into it. They could not give me a date as to WHEN they might communicate with BOA and resolve the problem. 

As an XXXX Senior, I am now facing dire circumstances including Food insecurity, Gasoline insecurity, Housing insecurity, Transportation insecurity, NOT being able to make needed Medical and Dental appointments, missed Insurance Premimums, and soon to be missed Car Note and Automobile Insurance and related payments. 

I feel like this is the XXXX 's -- that I read about in the History Books -- and, it's SCARY when you can not withdrawn much needed benefits to pay for your basic needs, FOOD, CLOTHING and SHELTER!!! 

My research reveals that this may be a MASSIVE PROBLEM. And, I believe the United States Government should STEP IN ... and MEDIATE the resolution of the problem between BOA and EDD.

As an American Citizen, I feel that my CONSTITUTIONAL RIGHTS and CONSUMER RIGHTS have been VIOLATED.

ALL I ASK is for the PROMPT and IMMEDIATE resolution to this debacle. 

Bank of America is the Nation 's 2nd Largest Bank... It's EASY for them to read a script and SAY there is NO TIME FRAME for resolution. BUT, for myself and MANY MANY OTHERS, each day of frozen funds is health and life threatening!

CFPB, I PRAY for your help with this matter. " In God, We Trust ''.

Sincerely, BOA / EDD Benefits Recipient

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