BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to this company with a Notice of Validation and a Cease and Desist to verify this alleged debt. They failed to response to any of my correspondence. Therefore, the debt is unverifiable and this company is furnishing inaccurate information. I want them to remove the account from my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 year old 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 2022-08-01
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. American Express accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I switch phone companies From XXXX to XXXX before switching I called XXXX to make the switch I paid my remaining balance and anything left on the bill. Now on XX/XX/XXXX Ic system inc showed up on my credit report saying I owe XXXX XXXX which I paid before I switched from then to now its showing up unpaid

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 2022-08-23
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 status incorrect

Complaint:
I have 4 previuos employer listings that are wrong and need to be deleted and 2 previous addresses that are not mine and 1 name that is wrong and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that are not correct and one that is marked charge off that is not correct

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 2022-08-23
Company: EQUIFAX, INC.
State: MD
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 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 XXXX 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 21 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 XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Bank of America is currently reconsidering a series of fraudulent transactions via XXXX  per CFPB XXXX. 
Today XX/XX/XXXX I receive a message say the research on re-investigation was completed. The letter was dated XXXX XXXX. 
However, Bank of America called me on XX/XX/XXXX around XXXX EST to ask for copy of the police report I filed ( even though I had faxed over copies previously to number they provided and had verbally given them police report number ). I comply and email them the report on XXXX XXXX. 
Based on this timeline issue, it seems bank of America is willingly closing investigations early and without all the facts in order to not pay back money stolen via fraud to their own customers ( despite Bank of Americas claim they do not hold their customer liable for fraud on their own website. 
This aligns with call I made to BoA on XX/XX/XXXX at XXXX where BoA agent admitted Bank of America usually closes their investigations previous to investigation period being completed. 

Below I have attached the letter I received XX/XX/XXXX but dated XX/XX/XXXX, a copy of the email I sent with police report to Bank of America XXXX XXXX ( Regulatory dept ) on XX/XX/XXXX, and email I sent today ( XX/XX/XXXX ) to bank of America XXXX XXXX noting this discrepancy.

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 2022-08-01
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The XXXX XXXX card by XXXX and through Bread financial, Comenity Bank is ridiculous. The website tries to get you to make a payment through " Easy Pay ''. However, agreeing to pay via " Easy Pay '' diverts you to a new page that is blank with only a button that reads " Exit ''. When I tried to call the company I had to stay on hold for 20 minutes. Just to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: American Financial Resources, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
AFR ( American Financial Resources ) was the lender on my refinance. They were supposed to pay the XXXX Insurance and never did. I have tried to call, left messages and tried to contact the corporate office with no response over the last 4 months. The loan was transferred to another company and they can't get the company to respond to them either. 
My house closed on XX/XX/2022 and within my closing cost AFR was supposed to pay the XXXX Insurance invoice. They never did. On XX/XX/XXXX the XXXX  Insurance provider ( XXXX XXXX XXXX XXXX ) canceled the policy due to non payment. The invoice for the flood insurance was required by AFR to get my refinance and is listed in the closing cost for them to pay. They also had a copy of the invoice ( required for refinance ). I requested a copy of my file that shows what they paid so I could find out if they didn't pay anything else. No response and no file. 
I had to get another flood insurance policy from XXXX and that has been paid. My problem is because AFR didn't pay the policy so there was a lapse in coverage which is costing me an additional {$300.00}. I do not think this is fair. Maybe you can get an answer for my problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Sequium Asset Solutions, LLC
State: NJ
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: Was not notified of investigation status or results

Complaint:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Southwest Credit Systems, L.P.
State: NJ
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:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX Dept of EducationXXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX , Dept of Education/XXXX  Account # XXXX XXXX Dept of Education/XXXX Account # XXXX, Dept of EducationXXXX Account XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Consumer Adjustment Company Incorporated
State: NJ
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:
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
loan bank company XXXX  refuses to lend me money without no reason and refuses to give convincing reason as to why they refuse to give me lend me money? 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 2022-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank close my account with {$1500.00} still in it refuses to give me the {$1500.00} but yet says its still drawn interest on the {$1500.00} so its probably about XXXX now and they told me I had to wait three years for them to complete their investigation. Is that how it got into my account because the front sent it through where he works for a birthday present back in XXXX  And I still refused to give me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
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: Information belongs to someone else

Complaint:
These bankruptcies was dismissed. CREDIT BUREAUS need to remove these Bankruptcy XXXX XXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX and Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Telsa Motors Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recall any of these inquiries to below and had already filed an identity theft report. 

XXXX XXXX XXXX TESLA FINANC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TESLA FINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan from LightStream which is run by Truist Financial Corporation. Truist, LightStream, and the LightStream logo are the service marks of Truist Financial Corporation. The Loan was declined on XX/XX/2022. After submitting application they send me an email to answer questions about my application. I called the number provided in email and answered all questions their agent asked. I was asked to submit more documents in addition to documents and details already given in my application. 
I complied and submitted several documents only to be told in another email that my loan is declined and I can " check '' the reasons after logging on their website within XXXX  days. I never received any call any letter or any reasoning from this company. Based on their advertisements online, my credit score and my annual salary as a XXXX and my investments and saving, I believe that I am discriminated by this company based on my XXXX my XXXX, my XXXX. This is a sham company which should be investigated and if required prosecuted. 

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 explanation
Consumer complaint received 2022-09-28
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX by Goldman Sachs has charged me interest even though I made payments in full on time. Rather than time stamping the receipt of my payments by check, they claim I have been late because they take a long time to actually post the payment... claiming the time lag is MY fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NE
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'm tired of sending letter after letter to the buro without receiving a single response from them. I have been disputing several negative accounts that are affecting my credit history and they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Comerica
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received letter from Comerica Bank. With welcoming me on my new account. Issued me 5 checks and 2 deposit slips. Never opened the account. Not sure why this bank offers people an option to open an account online and not require them to prove their identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MO
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 company continues to violate my consumer rights and the law but telling u that they are doing there job and following rules which i proof multiple time with document of how they just put all the accounts in dispute on XX/XX/XXXX but now it comeback as updated but they will tell u that they doing there job.

Company response to consumer: Closed with explanation