BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Greenberg, Grant & Richards Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2022, called repeatedly from then on once a day. 
Then received a call from a " Private Investigator '' hired by the company to come to my home and assess my assets as well as place of business etc. 
I had my attorney call the number back of the " private investigator '' to no answer. 
Sent in two certified letters via mail asking for the stop of harassing phone calls and to provide info via mail as to why they are contacting me as well as provided a no trespassing form and letter advising this company that any outside hired associate or any associate was prohibited from stepping any where near my private residence or any place of business. XX/XX/XXXX they have disregarded. They repeatedly call from different ghost /spoof numbers including the " private investigator ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Good morning CFBP, This complaint is against XXXX and EQUIFAX. these two companies are not removing items that are 7 years old or older. I have already been the pain and suffering because of the long strenuous communication to get this removed. This is hurting my career as an XXXX XXXX Member of the XXXX XXXX, where I am possibly looking at some adverse actions over something that I did 7 years ago when I was married to my kids mother. I have made many mistakes, like many have done so- but i have since been trying to my best to do better for family and my career. I really hope that the CFBP can tell XXXXEQUIFAX remove these accounts as soon as possible. that is all, thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I am writing to file a complaint against Bank of America for failure to respond to my dispute within the 30-day period as required by law. My attempts to resolve inaccuracies on my credit report have been ignored by Bank of America, and I am now seeking your assistance to address this issue. 

On XX/XX/, I sent a dispute letter to Bank of America requesting a correction of information that appears on my XXXX, XXXX, and XXXX consumer report. The dispute was related to inaccuracies surrounding the payment history and bankruptcy comment. I had hoped that my dispute would receive prompt attention and resolution from Bank of America. However, after several weeks, I have yet to receive any response or communication from the bank.

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 2023-03-21
Company: EQUIFAX, 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: 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. 


Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-03-07
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:
In accordance with the Fair Credit Reporting Act XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX Department of Education, 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 2023-03-22
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax Information Services LLC has not verified the veracity of the information and is using illegally stall tactics. 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. 

From Equifax Information Services LLC : Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to resolved the dispute with Midland credit management to verify the full account details. XXXX  XXXX account was paid in full by XXXX XXXX XXXX XXXX XXXX and should not be reporting as a collection it appeared on my account and is hurting my accounts please ask company to remove all tradeline. 
Supporting documentation has been added of history of emails and settlement information from the payee family first fcu of sent checks to XXXX  XXXX fcu the account was now sold to Midland credit management and they have not been notified of paid in full account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: SYNCHRONY FINANCIAL
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:
XXXX credit bureau shows account opened with synchrony bank/Sams club on XX/XX/23 which is incorrect and I have no knowledge of this. Ive disputed with XXXX and their final results show as accurate. Ive contacted Synchrony bank directly and provided my personal information to them but they have no record of me.

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 2023-03-23
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:
I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$290000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: PNC Bank N.A.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This has been an ongoing issue with PNC which was Compass Bank and which was BBVA at one time. I have reached out and asked for explanations as to why my report shows a 90+ day late payment when according to my financial institution no payments were reversed nor were they ever sent back. I have never received any correspondence from BBVA/Compass Bank/PNC on this matter and have been sending emails to an individual to fix this issue and still get no response. I have received notification from XXXX that my account was updated and they made it worse by falsely reporting dates. I have the bank statements showing payment done and from what I was told over the phone today that a payment was reversed and that is why it was 90 days, why was it reversed? Why will no one call and explain it to me or get me to someone who can explain what had happened and why will they not remove the repossession notice that BBVA has placed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Collection Bureau of the Hudson Valley, 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 was notified by Collection Bureau Hudson Valley , Inc. of a debt allegedly owed. I mailed out a debt validation letter seeking such debt owed to this collection agency. Collection Bureau Hudson Valley XXXX Inc. responded with an account summary/details. I also sent dispute notice to all three credit bureaus. This is not sufficient enough to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX Date opened XX/XX/2019 XXXX : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Bread Financial Holdings, Inc.
State: CA
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:
Same complaint as # XXXX Comenity Bank has yet to actually resolve this case. 

XXXX Bank sold my credit card account to Comenity BAnk in XX/XX/XXXX. I made a payment of {$920.00} to XXXX on XX/XX/XXXX. That amount was trasnferred to Comenity per XXXX and Comenity claims to have credited to an account in the name of XXXX XXXX account number ending in XXXX. That is not me, I do not know who that person is and I would like my money refunded immediately. I have provided everything in writing to Comenity bank multiple times as well as to XXXX Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: Block, Inc.
State: FL
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:
Hello, On XX/XX/2023, my cash app card was used for an amount of {$40.00} for a website XXXX. On XX/XX/2023, I noticed this transaction and reported it to Cash app support right away. From the beginning, there has been no investigation into this purchase, but in fact 3 denied disputes and extremely unprofessional and unhelpful representatives that will not provided me with any proper documentation on why they continue to deny this dispute. Every time that I call, I have representatives picking up the phone to say I can not help you with this dispute, anything else? Without me providing any information. I have spoken to supervisors and multiple representatives who continue to tell me its been escalated and they would reach out with a decision. I have not received any phone calls, emails, or chats from Cash app. The only thing I received was a confirmation that this purchase was captured otherwise, everyone has denied me the necessary documents that support their numerous denials for my dispute. I would like this account closed as soon as possible, to report all of the representatives that denied me my right to speak with a supervisor and the stolen money put back into this account so I can close it. I would also like to report XXXX who refused to assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: SC
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 HAVE MADE SEVERAL ATTEMPTS WITH EQUIFAX TO REMOVE INQUIRIES THAT IS SHOWING ON MY CREDIT REPORT. THIS IS MESSING WITH MY XXXX XXXX AND HAVE ME STRESSED OUT UNTIL I HAVE TO TAKE MEDICATION DAILY. AND I AND TIRED OF CONSTANTLY CALLING EQUIFAX TO REMOVE THESE HARD INQUIRIES. I HAVE ALSO CALLED XXXX AND THESE SAME INQUIRIES HAS ALREADY BEEN REMOVED FROM MY CREDIT REPORT. PER 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

HARD INQUIRY-EQUIFAX MORTGAGE SER DATEXXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX DATE- XX/XX/2022 THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED HARD INQUIRY-XXXX XXXX XXXX DATE-XXXXXXXX THIS IS NOT MY INQUIRY NEEDS TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Chime Financial Inc
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/23 i won a jackpot at an online social casino totaling {$20000.00}. I won ~ {$10000.00} in various gift cards and got {$10000.00} cash direct deposited into my checking account. Well on XX/XX/23 I at a different online social casino I hit a grand jackpot of {$66000.00}. I took {$9000.00} cash being directly deposited into my checking and am getting check in the mail for the remainder ( {$51000.00} ) from XXXX XXXX. Ive started getting these emails that I felt were suspicious from someone claiming to being an employee of chime  ( whom I bank with ) so I call chime and ask them if they issued email from an XXXX every representative Ive spoken with all told me that that is not a chime email dont respond to it. So I didnt. Well these emails were threatening to take adverse actions on my account if I dont respond. So I kept calling chime terrified that someone was about to take over XXXX  accounts and steal My money. Well turns out that on XX/XX/23 chime froze my account and kicked Me out of my online access entirely cut off. I can no longer get my documents or my money or see anything to do with my accounts. Ive done everything they have asked to show proof of everything. There is so much information and its So traumatic that they cut me from my finances with no explanation. They got XXXX you suddenly permanently close my account with them due to violation of terms and conditions. But never said what therm I violated and I have asked several times. I not get the same email from the same XXXX telling me they are afraid they have not received sufficient evidence. Your account is suspended for your security. Over and over. Now when I email XXXX I dont even get a response. I get an email from outreach with the same email. The have taken {$4000.00} from me and i Dont know what to do to get my money. I even got proof from the social casino what the money is deposited from and how Much I redeemed. I gave them a copy of my Drivers License and proof of address. And all I get in response is the this email. I still dont have any kind of access to my accounts.

Company response to consumer: Closed with explanation