BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
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 I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2015-04-04
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Dear sirsAm facing a serious problem with a car dealer XXXX XXXX XXXX XXXX, where i went there with my cousin to co-sign with me buying a new car, since i just moved to XXXX and still building my credit score, we talked to the financial rep. about the inquiries and not inquire more than XXXX banks, and that what he did while we were there and he came back telling us we are approved by XXXX XXXX XXXX bank at a rate of ... .., so we agreed on it and we came back the XXXX day to close the deal and be done. 
Then later after 1 week we are still receiving inquiries they did after we left and it reached XXXX inquiries. 
Appreciate your help sirs and need to control this dealer acts since he is harming all the community around him and many customers came back after when we visited them back to know why he sent more inquiries although we already agreed on the bank and the offer!! 
this is considered misuse to the agreement that we gave him to pull the score since it was already agreed from our side on the second offer we had from XXXX XXXX 's bankThanks a lot for your support and appreciate your feedback

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
Went to check on a vehicle asked them to run out credit with only XXXX companies and they did it with XXXX. I did not authorize them to do that! And so there are tons of marks on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am continuing to file a complaint against Equifax who was repeatedly wronged me in how they conducted an investigation on an account illegally placed on my file. without my permission a small overpayment which i had paid in full was transferred to the XXXX by my teenage son. I disputed this with the XXXX and took it up with management that they had no right to entrust my financial decisions to my teenage son while i was at work. Then, the manager at the XXXX agreed that it was not right on their behalf to have spoken to anyone besides me at transferring my loan which i had almost completely paid in full so I instantly paid the account off in full on the phone and closed it and they sent me a letter stating that they were sorry for any inconvenience an that the account was paid, never late and not a collection and would not be placed in the derogatory section of my credit report.. Initially, in XXXX, I received my credit report with a derogatory red flag next to the XXXX account but it that no indications as to why it was in the negative section of my file ; no payment history, no status and now remarks. SO I inquired and obviously disputed the account wit equifax, which said it was open and active for XXXX and XX/XX/XXXX, though it was paid and immediately closed in XXXX XXXX. After XXXX dispute letter that took over XXXX DAYS Equifax sent me a letter stating that the account was verified to me and was XXXX days past due until XXXX. This continued to frustrate me because i lost out join a mortgage because of them in late XXXX. I continued to dispute this and asked for proper verification and their descriptions and procedures to be proved to me in XX/XX/XXXX and in XX/XX/XXXX and they refused me any further investigation. I was aware that the information was not properly placed there and so i threatened to take this to the FTC and then they claimed that it was no longer XXXX days past due but that it was a " collection '' item now. Neither XXXX or XXXX are reporting this account negatively and yet Equifax does n't have the updated information like XXXX and transonic. They continue to call numbers that they send me which are not even the correct department. They have also send to false addressed to dispute with the XXXX XXXX XXXX if i had any issue but my mail continually get returned at the addresses which they provide. Please, can i get some proper help against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We sold our home on Friday XX/XX/2022. A wire was sent from XXXX Bank at XXXX CT. It is now XXXX on Tuesday XX/XX/2022 and Bank of America refuses to release the funds to our account. This is for a home sold in XXXX Tx to by US citizens to US citizens using 2 US banks to transfer money. This should be an easy process but Bank of American is holding our money saying it is in " Mandatory Regulatory Review ''. They will not give us the reason for this review process or when we can expect to see the proceeds from the sale of our home to be deposited in our account. This is a significant amount of money {$530000.00}. Their refusal to give us our money is soon going to cause my family serious financial hardship. There is nothing unusual about selling or buying a house. We need our money.

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 2022-04-19
Company: Grain Technology, 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:
XXXX XXXX Please review the complaints I filed regarding Grain. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, Grain advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - Grain allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit.

Since Grain has failed to respond to me Im not sure what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX XXXX, I pulled a copy of my credit report from Equifax. There was a medical collection on it for {$360.00} with an unknown creditor. On XXXX XXXX, XXXX, I wrote to Equifax to dispute said alleged debt and asked for validation. Equifax responded on XXXX XXXX, XXXX, after the 30 day time frame, and indicated and updated that the alleged debt was for {$410.00} and that it was paid in full. Equifax did not validate said debt nor did they mark it disputed. To date, XXXX XXXX, XXXX, this alleged debt has never been validated nor has my credit report been marked " disputed '', but Equifax continues to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
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. ( 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 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 2022-04-19
Company: Vanguard Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter DATED XX/XX/2022 stating I had services at XXXX XXXX XXXX {$920.00}, but the letter came in very recently. 

I do not make many larger transactions, I have owned my car outright for over 3 years and do all maintenance personally, and I have never heard of XXXX XXXX  

It states I must write within 30 days or they will assume their information is correct. I do not wish to contact the company as I know this claim is false. I researched the company and all the reviews were stating they had a similar experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I booked a bus ticket for XX/XX/XXXX with XXXX from XXXX, PA to XXXX, PA via their website XXXX using my Bank of America debit card. I am a frequent traveler on XXXX and I always received an immediate confirmation via email. However, I used to always pay via credit card but this time I paid via debit card and I did n't receive an email confirmation. XXXX website has no option to chat online or send emails regarding this particular issue. They do have online contact options for other issues but none for payment related. So I called the number listed on their website XXXX and spoke to a customer service rep about XXXX XXXX  on XX/XX/XXXX. He said he could n't do anything about it and connected me to another department saying they could resolve the issue. It was an IVR ( Interactive Voice Recording ) and it basically said no one is available at that time. Since my bus was for the next day, I bought the ticket again using my credit card and this time got a confirmation email immediately. In the next couple of days I called the XXXX number about 3 times only to get the IVR and I realized that this issue was going no where. So I raised a dispute with Bank of America onXX/XX/XXXX. Its Claim ID is XXXX. On XX/XX/XXXX,  Bank of America resolved the claim in the merchant 's favor and closed my claim. I am attaching 3 documents : ( 1 ) Bank of America transaction stating that the amount for XXXX was debited onXX/XX/XXXX even though booking was done on XX/XX/XXXX. This proves that the transaction never went through for 2 days and was successful after the travel date of XX/XX/XXXX. ( 2 ) XXXX credit card statement showing the amount for XXXX was credited onXX/XX/XXXX ( this is the 2nd time I had to buy the ticket since I did n't receive confirmation from the debit card purchase ). ( 3 ) Email confirmation from XXXX who process the payments for XXXX on XX/XX/XXXX XXXX XXXX for the payment done via credit card. Never got an email from XXXX or XXXX for the debit card purchase.

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 2016-04-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am re-financing my mortgage ( hopefully ) and I needed to review my credit report. I was able to access XXXX and XXXX, but unable to access Experian. I tried XXXX Internet portals, but could never get beyond the first page where I provided my personal information. Both sites took me back to the first page repeatedly. I called and spoke with XXXX at Experian. She was unable to help me although she did try. Since I am entitled to one free report per year, this is ridiculous. I notice that others have complained about the same issue. A consumer reporting agency should not have to be called to task. I give them a score of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX  Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct 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 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 non-monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct 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 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 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am rebuilding my credit and applying for a home as well as a new car and their frequent inaccurate updates are detrimental to this process. For once, they did not have my correct contact information when my loans were restored from default. I respectively ask that the lates from XXXX and XXXX 2017 be removed and set to current. As soon as I contacted XXXX my loans were put back into deferment. Also I want all loans older than 6 years off my credit report as that is the SOL for my state. I need this done as quickly as possible as XXXX is doing illegal collecting and reporting.

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 2015-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have excellent credit but what the industry refers to as a " thin file ''. I found this out because there was a database theft which occurred at my Health Insurance company ( XXXX ) and to curb any identity theft, they asked you to put a watch on my credit files. Subsequently, I applied for a credit card but was turned down due to this " thin file '' or what the company doing the " hard inquiry '' listed as " INSUFFICIENT CREDIT HISTORY ON FILE '' on the rejection letter. This " hard inquiry '' greatly reduced my credit score on online credit score websites and I would like to know what my credit score truly is. In order for me to get it from the monitoring company, I am told on the credit report I am sent monthly that I should pay {$7.00} to get my credit score. I would also like to remove the hit I took from this " hard inquiry '' from my credit report as it makes it looks as if I am not credit worthy, which is not true, as I have the ability to pay and also have a history of paying all my debts until such time that you classified my file as " thin ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A Federal Tax Lien was filed against me in XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was then paid and released on XXXX/XXXX/XXXX. I have disputed the continued reporting of this lien by Equifax several times on the basis of the FCRA 's statement that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old '', as well as multiple articles from credible sources such as XXXX ( run by XXXX ) that clearly state " Once paid and released, a tax lien must be removed seven years from the date it was filed. '' I spoke with an Equifax customer service agent who advised that their policy is to delete tax liens from credit reports after ten years from the date they were paid/released. I asked if there was someone I could speak to about this issue and she advised my only option was to write a letter to the Equifax Legal Department. Both XXXX have deleted the tax lien from my report. Although they are separate agencies, they are all bound by the FCRA and federal law. On Equifax 's own website under the FCRA Summary of Rights, is this statement that the FCRA protects you by requiring consumer reporting agencies : " Delete outdated information. In general, negative information that is more than 7 years old ( 10 years for bankruptcies ) must be removed from your file. '' Equifax has created their own policy regarding the deletion of negative information such as tax liens, and is skirting federal law by exploiting short, vague phrases in the legal verbiage such as " in general '' and " in most cases ''. When credit reporting agencies are able to manipulate federal law and create their own individual policies that completely differ from XXXX another, i.e. there is no consistency among the agencies, that equates to a complete disregard for consumer rights and a lack of accountability or governability amongst them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.

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 2015-12-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XX/XX/XXXX A XXXX service offered me a CareCredit brochure. The brochure seems to say that you can have 6 months to pay off the charge interest-free. XXXX Reviews of the credit card and the issuing bank were generally low. I went to the CareCredit.com web site for more info and used the Payment Calculator to calculate payments for financing a {$850.00} charge. Results are below but there seems to be a hidden fee. 
XXXX Plan Term : Estimated Monthly Payment to avoid interest and pay only the amount financed : 6 Month {$140.00} 12 Month {$71.00} 18 Month {$48.00} When I did the math, I was paying back {$2.00} extra on the 6 and 12 month plans but {$14.00} more on the 18 month plan. I think this is a hidden fee. 
I visited the CFPB site and saw the action against CareCredit in XX/XX/XXXX. Today, in XX/XX/XXXX, the brochure and website use the terms " promotional purchase '' and " promotional period. '' It 's not that clear to me what that means. " Promotional '' made my alarm bells go off.

Company response to consumer: Closed with explanation