BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account original prior to XXXX at Becu my account was not getting used and in XXXX I entered the banking branch located in XXXX XXXX XXXX to set my account back up and get a replacement debit card I had Been told the account had gone dormant at that time I was provided a slight different updated checking and savings account numbers For My only account a joint checking and savings. Since then I have opened XXXX additional checking account do to continued theft from the other checking account that I was never compensated for correctly by the bank. Recently it was brought to my attention that though I have visited different branch locations on multiple occasions and replaced my debit it card with out success I was not informed that I had additional accounts not connected with my online banking that have been unknown to me since there original account opening accounts that are also connected to my CDs from my grandparents that I was previously miss informed about and that I may be not receiving my trust updates from my trustee as required by law and possible I may have been defrauded using the missing accounts which are the joint accounts to the accounts I have been using myself. I feel the bank should have disclosed this information to me and by with holding it has possible aided in the defradment of myself and also my fiance whom deposits into the accounts as well we have suffered loses amounting to over XXXX in pay from My previous employer unemployment and also this has lead to miss understanding and ruined friendships attempting to determine what had been happening.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I XXXX XXXX have never signed a HIPPA release form with XXXX XXXX or XXXX therefore these are clear HIPPA violations and I want these deleted immediately from my credit ; HIPPA laws protect my personal medical information from being used without my consent and you are now aware of the clear HIPPA violations please delete 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 explanation
Consumer complaint received 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank Of America is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Bank Of America to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. Bank Of America Bank are furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. Bank Of America did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking Bank Of America to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).

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 explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Account in violation XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number XXXX XXXX U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-05-17
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a purchase from XXXX on XX/XX/22 the item was delivered on XX/XX/22. I began having problems with the item that I reported to the seller and on XX/XX/22 I submitted a return request through XXXX which was approved. On XX/XX/22 a refund was issued from XXXX in the amount of {$1200.00} back to my debit card issued through The XXXXXXXX XXXX XXXXXXXX Chime but the refund never posted to my account. I have made multiple attempts to resolve this matter with Chime to locate the refund, filing disputes, sending emails, and making calls and each of my requests have been denied by Chime. They can not explain why they have not issued the refund or where the refund is. I made a conference call on XX/XX/22 in which XXXX confirmed that the refund was issued. Chime refuses to explain where these funds are or why they refuse to issue a provisional credit until the investigation is complete as this is a large sum and it is apparent that the refund has not posted due to an error. I have included all the information I provided to them in order to prove my refund is owed an was issued and it has still not posted. I need this money to provide for my family and at this point I have no money, no merchandise and no help from Chime to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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 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 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 2022-05-17
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 XXXX  Accounts ( XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've made all of my payments on tome from XX/XX/XXXX till XX/XX/XXXX. TransUnion has me making a late payment in XXXX. They remove it, then put it back on. I have all my cashed checks showing it was paid on time. Also my balance is {$270000.00} and they have my balance {$33000.00}. I was just denied a credit card based on what they reported on my credit report. I believe they are purposely reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: VA
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:
1 ). I am a natural person, I am a living human being, I have rights under 15 USC 1681. 2 ). Equifax is governed by USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed. 3 ). According to 15 USC 1681 : I have the right to privacy, I haven't not given Equifax written permission to furnish these accounts. 

Account 1 ). XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX ). XXXX / XXXX : xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting yet another CFPB Complaint to follow up the previous CFPB complaint I submitted to request the correction and removal of the erroneous accounts reporting on my Credit file. I discovered that the information being reported on my credit report are incorrect when I reviewed my Credit File. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected ore deleted as soon as possible : 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 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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: Personal information incorrect

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX has violated my rights. 
15 U.S.C 1581 Section 602 A states I have the right to privacy.

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

I have disputed with XXXX the following incorrect Personal Information ( addresses ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX placed on my credit Report, and XXXX has verified as accurate. 

These addresses are not correct and are reflecting negatively on my credit report as they are not deliverable to me by the USPS. The only and correct address I reside in and deliverable to me by the XXXX is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL 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 2022-01-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was recently granted a temporary forbearance. My payment plan will change to standard repayment instead of the Income Based Repayment plan because of my forbearance. This changes the amount of the monthly payment due drastically. I was able to make my XXXX 2022 IBR payment of {$200.00} early. 

I asked Navient to apply my last payment be applied towards my XXXX 2022 monthly payment. My request was denied because it did not meet the monthly payment minimum. ( because they changed the payment plan ) I get nowhere when I try to call them. Their representatives do not want to or are unable to understand my situation. 

I am so tired of spending time fighting with Navient and constantly explaining what should be very a understandable and clear situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: HYUNDAI CAPITAL AMERICA
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 have no knowledge of this inquiry

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 2023-05-14
Company: Experian Information Solutions Inc.
State: LA
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:
See attached!! I am writing to dispute the reinsertion of the above-referenced account on my credit report. I previously disputed this debt with [ creditor name ] and it was removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-01-31
Company: Avant Holding Company, Inc.
State: AZ
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 paid my balance of {$460.00} to bring the account current to make my credit available balance to {$1000.00}. This payment was made before the statement date so that it would reflect account paid in full for the XXXX reporting to the credit bureau. I called avant and asked why was my account reported XXXX weeks earlier than its suppose to report I was told they dont know and that my score would report around the XXXX or XXXX of XXXX. Its now almost XXXX and my credit report still was not corrected to reflect that account was paid off before my statement date for XXXX. My account should show paid off in full for the XXXX reporting to the credit bureaus. So because they reported my account XXXX weeks later it doesnt show my account with the payment I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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  Accounts ( XXXX # XXXX, XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 non-monetary relief
Consumer complaint received 2023-05-10
Company: Source Receivables Management LLC
State: MD
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 creditor admits to contacting me eight times even after opting out of communications. They have been sending letters more than once. They spoke of a contract that was not provided from original creditor showing my signature. I did not acknowledge any ownership of such account or any knowledge.The FDCPA at 15 U.S.C. 1692d prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 U.S.C. My information was also breached in XXXX by XXXX. My personal information was leaked to the dark web including my social security number several times. I have disputed several times with original creditor. The address listed is also not the address I resided at the time. The data breach and opening of the account match with year of opening of account. I have provided proof below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Consumer Portfolio Services, Inc.
State: MI
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:
The company has been improperly reporting my over due amonut, the past due dates and that I owe after being charged off. this company has been sued countless of times for this exact reason. case in point of the most recent case 1:21-cv-23749, Brown v. Consumer Portfolio Services, Inc. that I will attach my case on to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: MI
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section2 ; 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 2023-05-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
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 is reporting The XXXX XXXX in amount of {$500.00} ; this appears to be a duplicate account which Midland Credit Management is also attempting to collect.

Company response to consumer: Closed with explanation