BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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, M ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX EMPLOYER : RETIRED BXXXX XXXXXXXX XXXX RETIRED XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX  Collections : XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXXXXXX XX/XX/XXXX RETIRED XX/XX/XXXX XXXX XXXX RETIRED Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Colections XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NAME XXXX XXXX A XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-08-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My Statement balance {$2100.00} Minimum payment due {$240.00} Payment due date XX/XX/2022 Amount to avoid Standard and Deferred Interest on your next statement* {$2100.00} My account is negative from fraudulent activity. I need the credit company to work with me to resolve this.

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 2020-04-16
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have reached out to Experian to correct inaccuracies on my credit report. 
They currently list multiple address that are incorrect and even obviously versions of the same address with one being the correct one : XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. The other two version don't include my apartment number or incomplete address of the street. The XXXX XXXX XXXX is my sister residence where I never resided or received mail at. 
The items being disputed were submitted XX/XX/XXXX which haven't been resolved and Experian expressing in their correspondence that their projected date of resolution to be XX/XX/XXXX. That clearly is past 30 days to verify the information I asked to be verified. 
There are two mortgage inquiries with no permissible permission to be on my report. I don't own a home and actually have a real estate license so wouldn't use either to the creditors that accessed my report. There is no accounts tied to these creditors on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received a text from XXXX stating a charge had been made that I needed to verify. I did not make the charge and they proceeded to tell me they needed to get all my information to put the money back in my account. They got my banking information and withdrew XXXX. Out of my account. The name was XXXX XXXX and the phone number is XXXX. I am closing my account but concerned about my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently went over my credit report to check for any discrepancies and Ive noticed a few inquiries on my Experian credit report that I dont have an account with. The account looks like its with 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 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a Bank of America prepaid card for use during my period of partial unemployment ( beginning of the pandemic, XXXX XXXX and then temporary Disability/family leave payments XX/XX/XXXX, from the State of New Jersey. Sometime in XXXX or XXXX of XXXX, my card number was stolen ( not the card ) and was used many times to drain my account of over {$600.00}. Because of the limited access to the account- not able to be helped at branches, no printed statements made available, and an inability to log into the online account, I had no idea this was happening until XX/XX/XXXX, when I was FINALLY able to get help from them in order to log into the account and look at the statements. I filed a fraud complaint, they issued me a new card that took 7-14 days to receive, and looked into the fraud, eventually getting the money back into my account. When I received the new card, it worked ONCE. I had to call the bank, they said there was a fraud alert ( for A DIFFERENT CARD NUMBER ) and the funds were frozen. They said they reset the card, and to go to an ATM. I would, the card wouldn't work, I'd call them back, they'd reissue a new card and I'd get it in 7-14 days. This process repeated EVERY time they sent me a card, until eventually, not even the new card worked. This continued into this year, when I got a new card yet again, and it did not work. Eventually I was able to transfer the funds from the account to my XXXX XXXX account and get out of this cycle of nonsense. I can not tell you how much time I spent on the phone with that bank and they did nothing. I was frustrated to the point of tears many times because we desperately needed that money for bills, food, etc. during the height of the pandemic. I went through 6-7 cards with them, and thought this craziness only happened to me. Until my mom sent me an article that said it happened to thousands of other people and that you guys went after them. So, THANK YOU for doing that. And I'm glad I wasn't alone in the anguish they put me through.

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 2022-08-19
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
There was a account made in my name that I did not do useing my ss number and everyone of my stimulus checks where put in the account and when I called them they said the could not give me no information on the account due to the fact the account was not in my name and I have been XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the fact meto online bank just lets random people steal people identity and me and my family have suffered so much XXXX XXXX XXXX XXXX XXXX because I couldn't work and had no money and to support use and I couldn't prove that I was who I am and I didn't even find out until XXXX and it is already XX/XX/XXXX and still yet I have not received anything I am a XXXX XXXX XXXX man that is going through XXXX because I couldn't take care of my family and I am still trying to find a job and home for me and my family and that way my baby boy can have a place to come home too so with that being said I Will never trust meto Bank with anything that belongs to me that bank can't protect no body identity or money XXXX how can you trust meto Bank when they help people steal who you are and all you have to your name and cost you your way of life and hope

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: ARS National Services, Inc.
State: AK
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:
I settled an account I had with XXXX that had gone to collections. The collection agency promised to close the account and show a XXXX  balance on my credit report once I settled the outstanding balance. After settling the account the collections agency ended up reporting the account with a charged-off balance and shows as still active. I disputed the information with XXXX to no avail, despite submitting documentation from the collection agency stating the terms of the settlement having been met. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX 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 explanation
Consumer complaint received 2022-06-21
Company: Law Offices of Robert J. Colclough, III
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reviewed a copy of my credit report and noted an entry from Allied Collection Svc that I could not apply. I reached out to Allied Collections on XX/XX/XXXX for further information and requested validation ( ex. proof that I am the owner of this debt, contract/application that I signed in relationship to this debt, statements from the original creditor including dates and amounts previously paid on this debt and not a computer-generated report from Allied containing the above information. On XX/XX/XXXX, Allied responded but did not include the above information I requested. Instead, Allied sent a letter with a computer-generated statement from Allied and not the original creditor. This is not acceptable and does not validate the debt. Meanwhile, Allied is still reporting this alleged non-validated debt on my credit report which is a direct violation of the FCRA, FDCPA and the New York State Consumer Credit Fairness Act of 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 2022-11-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX account opened Received letter saying a lien was placed on my house and credit was reported on XXXX 15 day past due bill which I called and spoke to multiple people to let them know I was in the XXXX  I have medical records that can prove all of that. They continue to call and threaten my credit and home. I have paid the account up to date plus an extra payment. I called to ask how to resolve this lien issue the company informed me that they only have one call center and that they could not provide me with any information or phone numbers to contact anyone above the person I was speaking to and I could call and call but would not get any further information or contact from anyone other than him and the agents at this call center. The loan was a home improvement for XXXX. Again Ive paid in full but I XXXX XXXX XXXX XXXX XXXX XXXX  which I tried explaining to them and they basically disregarded all my concerns and issues. And wont help me in speaking to anyone that possibly could and I was XXXX  from XXXX until XXXX in the XXXX  so it wasnt that I left with no contact but there was little I could do. Also if medical numbers or my medical team or XXXX  need to confirm my dates I can release certain information to you. I find it disturbing that a company would treat me this way. Thank you for your 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 explanation
Consumer complaint received 2022-06-21
Company: Genesis FS Card Services, Inc.
State: WA
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:
I have only been able to make 1 payment on this account. Every month after that I tried to make the payment and they would return it saying it was an invalid account. They put late payment notice on my credit report and continue to charge me compounding late fees. 
I have tried re-entering my bank information yet they keep returning the payments. ( I have documentation of all this ) I have sent them 2 letters stating that IF they remover the late charges and IF they remove this from my credit reports I will send them a certified check paying off the balance. The have NOT responded to any of this and instead have started calling me at all hours harassing me for payment. 
As they have an OR address if they do not do as I have requested I plan on suing them in Small Claims Court for {$5000.00} for the damages they have done to my credit report and the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # XXXX have 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 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: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The original debt was a charged off credit card was a credit card opened in XXXX of XXXX and should have been part of a community property debt. The original credit limit was {$500.00}. Sometime at the end of XXXX the Eaton Group purchased the debt and filed a lawsuit. I was never served or notified of this suit and the judgement was entered when courts were closed due to Covid. Looking at the local XXXX XXXX XXXX complaints it appears 100s of judgements were forced at this time. My employer was served a wage garnishment and originally I didnt even know what the debt was. At the time my employer was XXXX XXXXXXXX XXXX XXXX. Between Child support and this Garnishment my final check with XXXX XXXX XXXX XXXX 90 % of my check was taken which exceeds legal limits. I was ultimately laid off from XXXX XXXX XXXX XXXX because of Covid, but began new employment with XXXX XXXX XXXX XXXX. This employer was served the wage garnishment by the Eaton Group. The amount of court costs is constantly increased along with interest. My family court attorney has contacted the Eaton Group as I have and phone calls and correspondence are not responded to in timely manner and the company is unreasonable with their. Collection practices. The Original Judgement was XX/XX/XXXX in the amount of {$3500.00}. To date in XXXX alone my pay check has been garnished {$2100.00} and my previous employer had garnished at least {$800.00}, my attorney has that check stub at the moment and I am in the processes of receiving. Yet my balance owed on this judgement is still {$2900.00}. I have paid over 300 % of the initial amount borrowed in 3 years. The address for The Eaton Group on behalf of XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX. Phone number for the Eaton Group is XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation