BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America provided a forbearance in which my payments were to start in XXXX of XXXX. I just found out today after trying to get answers from them for 18 months that its now because my payment was to be made in XXXX of XXXX. This is the first Ive heard and they are playing some sick game over there. I have a letter from them stating the payment being due in XXXX of XXXX. XXXX from BofA has given me multiple excuses of why they show my account past due. My account is not past due and they refused to acknowledge or fix. They have reported me late to the credit agencies which is now causing issues with me getting a new car for work. This is a huge problem.

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 2022-08-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2021, I returned my online ordered items to Macy 's store in XXXX XXXX XXXX and was issued with a gift card in the amount of {$170.00}. and early this XXXX when I attempted to use it and found was locked by Macy then I made 5 phone calls ( 2 from home and 3 from the store ) plus 2 emails since XXXX trying to get this gift card unlock ; every time when I called, every customer service at the gift card department I spoke with, promised will get it unlocked after 7 to 10 days but it's still not being unlocking until now. 2 emails sent to their gift card department XXXX also never get a single response. when I attempt to resolve this issue with Macy they gave me a case number which is 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 monetary relief
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on XXXX and Experian. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since 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 2022-06-22
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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:
During Covid-19 me and my husband experienced reduced hours and job loss which made it hard to pay our car loan from credit acceptance. We explained our situation with credit acceptance and are currently on a reduced payment plan that we have made on time payments on but credit acceptance has reported XXXX late payments on our credit reports which are dramatically affecting it. From the dates of XX/XX/2020 to present. This is predatory and violates fair credit reporting. My credit shouldnt negatively be impacted during Covid 19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Im accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

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

Im accordance with the Fair credit reporting act has XXXX XXXX XXXX XXXX violated my rights. 

1

5 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 acc
ount without my written instructions. 

Im accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my 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 2019-02-16
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: Information belongs to someone else

Complaint:
I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}

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 2022-08-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to apply for a credit card thur Synchrony Bank for a Walgreens credit card. I pretty well know who the offender is, just proving that will be my only problem.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 INQURIES BELOW VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681. 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC1681. 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH MY WRITTEN CONSENT. 

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 2022-05-22
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday XX/XX/22 I received a call regarding my account from a number I recognized as XXXX XXXX XXXX XXXX. The rep XXXX asked me to verify 3 charges that appeared to be suspicious at 3 different stores in Milwaukee. I told her I did not make purchases in any of those stores. At that time XXXX put me on hold to cancel my debit card & suspend the transactions because she needed to immediately cancel the current card as well as the fraudulent transactions. Later I called XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX explained that there was a pending withdrawal of {$1400.00} but it could not be suspended because it was being processed. In order to reissue me another card XXXX closed my account and setup a new account & reissued a new card. I found out that the scammers used an account from XXXX Bank in Ohio. I called XXXX Bank and was told by XXXX a supervisor that the account # I had given her was not a number associated with her bank and verified that it was from a Cash App account. I obtained the account and routing number for the Cash App account used by the scammers. Then I called the number for Cash App I got from XXXX. I've called many many number times thoughout the day but kept getting an outgoing message that no available reps were available, call back. I also sent 3 messages to Cash App on XXXX and never received a response. Cash App is affiliated with XXXX Bank, but they could not help when I called to report the issue.In my opinion Cash App needs to setup a call center just to at least help customers with fraudulent issues, but even though people due business with them they do not attempt to help us in crisis which is so unethical. I want others Cash App customers to beware of Cash App scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor 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 2022-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I call the number twice XXXX XXXX, not helping ( The said an investigation but I assuming they are the one who address opened up in my credit report with/or XXXX. This number is refence in twitter in the official Ask Citi account. Info : Ask Citi @ XXXX XX/XX/XXXX Replying to @ XXXX Our escalations team would like to you to call this number : XXXX between XXXX ET for proper verification. XXXX  This is the disputed address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, is not mine. Account info : BEST BUY/CBNA XXXX {$3600.00} {$37.00} Dispute Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX High Balance {$3600.00} Credit Limit {$4000.00} Pay Status Current ; Paid or Paying as Agreed Terms {$37.00} per month ; paid Monthly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fifth third bank has allowed numerous amounts of money to be taken from my account I can send screen shots of my account summary where it shows alot of different dates and amounts of withdrawls I never did. The bank isnt trying to resolve the issue. Some where cashiers checks some where atm withdrawals

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to all the credit reporting agencies such as XXXX, Experian and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe XXXX XXXX XXXX. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per XXXX this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX XXXX claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where the Director XXXX  XXXX claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.

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 2022-08-20
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Hi, I cosigned for a student loan with my father in XXXX ( yes, nearly 20 years ago ) which now shows as Navient ( it may have been Sallie Mae at the time ). This has recently ( this month ) shown up on my report for the first time dropping my score by over XXXX pts. This account is far too old to be on the report ; i have disputed w/ all 3 bureau and nothing has happened to removed them ; they were thus far both completed and did not change nor was the mark removed ( account ). My father had this removed in XXXX and i am kindly asking that mine is removed as well as soon as possible. Thank you so much for your help. I'm not where else I can go for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX and XXXX 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 2022-06-22
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted them to cancel my service and refund the amount as they did not give me any service but they abused me and now they are not picking up my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XXXX Account # XXXX was sold to XXXX dealership as part of a trade in. On XX/XX/XXXX the dealership electronically sent XXXX finance the payoff amount requested and also issued a invoice check dated XX/XX/XXXX. XXXX was also notified via telephone of the events. According to the verified check, XXXX did not finalize the payment until XX/XX/XXXX as shown on the copy of the payoff check. I have attached the lease agreement to show that the due date each month for XXXX was the XXXX. If the vehicle was sold on XX/XX/XXXX how can this report XXXX days late. If the vehicle was paid late that would mean XXXX did not receive payment prior to XX/XX/XXXX which clearly is not the case. The check verifies payment was made in a timely fashion by the dealership and electronically withdrawn. 

It is your job under ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) to properly address these mishaps. Especially when incorrect information only started to appear on XXXX XXXX XXXX, 7 months after the closure of the listed account. This is a gross error and a poor job on Equifax to not properly verify this information when there is clear contradictory evidence. Failure to remove incorrect information can and will result in litigations and fines. Please make this correction immediately as this is causing mental stress.

Company response to consumer: Closed with explanation