BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
: ADVERSE ACTION DATED XX/XX/2021 Recently, I XXXX XXXX XXXX was denied an extension of credit by Bank Of America. On around XX/XX/2021, I applied for Small Business Credit Card. XXXX As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( C ) and you assume civil liability pursuant 15 U.S. Code 1692 ( K ). Bank Of America has violated my federally protected consumer rights : 15 U.S. Code 1642 15 U. S. Code 1681M 12 CFR 1002 Since the letter you sent me dated XX/XX/2021 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Bank Of America should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

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: SYNCHRONY FINANCIAL
State: AL
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 closed the account when i made that last payment. I call PayPal and told them she updated it on my account but XXXX wont let me dispute or change it. PayPal didnt close my account.

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 2022-11-28
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: 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:
I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any 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: Experian Information Solutions Inc.
State: OH
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 been trying to reach Experian Credit Reporting Agency since XX/XX/2022. It is impossible to reach a live agent by phone and sending two letters to them have gotten no response. I have numerous valid accounts that Experian is not showing on my credit report. I have followed the process spelled out on their website to contact my own creditors and have ensured they are reporting the accounts to Experian. They have stated directly that they are and even sent verification letters to me. In turn, I have physically mailed my request to investigate to Experian along with these copies from creditors. I have gotten no response by email, mail, or phone. Due to the fact that Experian for some reason is not reflecting these accounts on my credit report, I am having issues with employment credit checks and not meeting their employment standards. The main issue is I am unable to reach anyone at Experian to investigate, despite my 5 month long attempt by mail, email, or phone. This is unacceptable.

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 2022-10-26
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 XXXX : 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 2022-06-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/22 in the morning, my account was fine. Then I was unable to login online in the afternoon. Again, the morning of XX/XX/22, I was locked out of my account so I called Citi. Citi informed me that my savings account was closing out but they would not tell me why. All they said was that I would get a letter in the mail telling me why, within 30-60 days. 

My life savings is in the account- {$18000.00} - and nobody can tell me when I will get my money back. I have a child 's college to pay for soon and need my money back. 

I called about a dozen times and they not only couldn't tell me WHY it was closed, but they kept hanging up on me so I had to keep calling back. I asked to speak with a supervisor many times and they kept saying they were too busy and couldn't find one. 

I can not afford for Citi to just hold my money and not tell me when or how I will receive it back, if ever. This is nearly my life savings in this account that they just decided to close on me with no notice. No email, no phone call, no text, nothing. 

I just want my hard earned money back, and to be done with Citi forever, if they are going to treat their customers like this. 

Please 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 monetary relief
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, Transunion and XXXX are XXXX MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my Transunion score was XXXX. By XX/XX/2022, my score with Transunion was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called Transunion and was told that there was no change. XXXX has done the same thing. XXXX XXXX my XXXX score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with XXXX that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX AND XXXX XXXX XXXX. I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I

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: NY
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:
While checking my last credit report in XX/XX/XXXX, and my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1 ) XXXX XXXXXXXX XXXX XXXX ; Date of inquiry : XX/XX/XXXX Please be advised that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please also be advised that I sent a certified and written dispute with a copy of my drivers id and social security card to verify my identity, ( see attached ) in disputing of the above fraudulent inquiries, and as of yet, over 30 days, and this information is still on my credit report in violation of Fair Credit reporting Act Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n 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 instruction.

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: 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:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-09-22
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This company repeatedly sends me a giant bill while refusing to answer the phone, contact me, or allow me to leave a voicemail or submit a complaint. If you call them, you will be placed on hold for 5-10 minutes before being sent to a voicemail box that is full. Then the line immediately disconnects. I submitted a complaint with the federal government and they tried calling me after that but i missed the call- the caller did not leave an extension number so when i called back, i was placed on hold for five minutes before being transferred to a full voicemail box and hung up on. There is no way to contact them, no way to leave a message, no way to schedule a call back, no way to stop the interest building up because of their lack of attention to my application. I applied for XXXX on XXXX XXXX XXXX. My application was processed quickly but nothing ever happened- i never received denial, approval, or more i formation to continue with. My income is $ XXXX and they keep sending me information on how to pay them {$600.00} in XXXX but can not be bothered to make contact with me otherwise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital one XX/XX/2021 XXXX I disputed this matter with the agencies and told them that this was infact a fraud matter and i would need this account deleted .i also challenged the incorrect information account ending in XXXX where they cleary violated the law 604 15Us code 1681B 605 A 15Us code 1681 C1 605 B 15 Us code 1681 C2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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: 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:
n 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
the credit bureaus have posted old inquiries that have not been deleteed?

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 2022-06-06
Company: SYNCHRONY FINANCIAL
State: TN
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:
4 credit inquiries on my credit report with all bureaus due to fraud. I have not applied for any credit. I have contacted XXXX, XXXX and XXXX and placed freeze but accounts might already be open.

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: Denefits LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX # XXXX Registered Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all XXXX credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, XXXX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all 3 credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, EQUIFAX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent disputing letters in XXXX of 2021 to XXXX and Equifax to remove inaccuracies of my personal information and collections they refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Affirm Holdings, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: WorldRemit Corp.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022, I accidentally made a transfer of {$1000.00} to XXXX XXXX in XXXX. I came to realize that the problem had already been made afterwards, so I immediately reached out to Worldremit to cancel the transfer. It was because the receiver didn't get the money. When I called this company, I was made to speak with different people who gave me different options. Some responded awkwardly but I respected their concerns and explained my issue since they demanded it. Until now, it's like we're struggling over my own money and I'm not liking it. All l want is my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account with CITIBANK XXXX was referred to XXXX XXXX XXXX XXXX XXXX in 2016. Please check with this company.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