BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a significant error on my credit report, which pertains to late payments. I believe that this error is in violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my creditworthiness. 
Below, I outline the details of the issue : Description of the Error : On XX/XX/2023, I obtained a copy of my credit report from My annual Credit Report and discovered an error in the reporting of late payments on my credit history. Specifically, the report indicates that I made late payments on XXXX XXXX for the months of XX/XX/2023 when, in fact, I have a documented record of making all payments on time during this period. All this payments were initiated before the due dates in 2023 but posted late due to XXXX delays. 
Evidence of Timely Payments : I have attached copies of bank statements, receipts, and other relevant documentation that clearly demonstrate my consistent and timely payments for the mentioned months. 
Contact with the Creditor : I have also contacted XXXX XXXX ] regarding this issue and provided them with the necessary evidence to rectify the error. However, despite multiple attempts, they have failed to correct the inaccurate information on my credit report.

Impact on My Credit Score : This erroneous late payment information has significantly impacted my credit score. As a result, I have faced difficulties in obtaining credit, securing favorable interest rates, and even encountered challenges in housing and employment applications.

I believe that this error is in violation of the FCRA, which requires credit reporting agencies and creditors to provide accurate and up-to-date information on consumers ' credit reports. It is my understanding that the FCRA also mandates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
I kindly request the CFPB to investigate this matter thoroughly and take appropriate action to rectify the error on my credit report, as well as hold the responsible parties accountable for any violations of the FCRA. I also request that my corrected credit report be provided to me, as well as any other affected parties. 
Please find attached copies of the relevant documentation to support my complaint. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 
Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 came into the deanship for scheduled maintenance on XX/XX/21 and while waiting for my oil change. My daughter and I walked through the showroom as we always do to pass the time. We saw our sales guy ( XXXX ) and said hello. He came over and spoke to us and asked me had I seen the new XXXX XXXX. I said that I had not and asked if he had pictures. He said yes and shows me his phone. I asked him when they would be available and he said " soon ''. I said ok let me know and I'll come take a look. He leaves for a few minutes and comes back and said, " I think we have one in XXXX '' I said oh ok and he leaves again. XXXX had a few customers he was dealing with so I did not see him again before we left. My car was ready so we left because 1. we were only there for an oil change and 2. we had reservations at XXXX XXXX at XXXX that day ( we were celebrating my daughters birthday ). While we are at XXXX XXXX I get a call from XXXX saying " I was able to get it done, but I'll call you back '' I was like get what done? He was like the XXXX XXXX, I'll call you right back ; and hangs up. I was confused. As we are leaving XXXX XXXX I started getting a bunch of email notices that my credit had been pulled. I NEVER authorized XXXX or anyone else at XXXX XXXX XXXX to pull my credit, I was ONLY there to have my oil changed.

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 2023-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: In progress
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 received a letter stating that based ON Transunion erroneous reporting refer to my previous complaint about Transunion reporting incorrectly debts and deliquencies as NEW debts even though they are at least 6 years old! My credit is was reduced by XXXX as delinquent and lack of my ability purchase a home! This is unfair and unwarranted! I cant keep being subject to XXXX discrimination!! This has to stop

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 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 XXXXXXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, BALANCE OWED, DISPUTE STATUS, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my small business account because it was overdrawn. They did not make any effort to contact me, asked no questions, and charged me for the pleasure of being a customer of theirs since XXXX. 

My XXXX real estate business was impacted by 1 ) COVID, 2 ) by a divorce that started XX/XX/XXXX, 3 ) by the fact that my girlfriend received a XXXX XXXX diagnosis and 4 ) I was busy taking her to Dr. appointments for the XXXX XXXX she underwent as part of her treatment. 

BofA saw that my account, which had never been below {$4000.00} in my entire 16 year small business history, was overdrawn and did not reach out to me one time to ask a single question. They closed the account, charged me for the overdrawn amount less what was left in the savings account, and sent me a bill. I paid the bill which they sent immediately to recovery, and I am still receiving reports that the issue has not been cleared. 

This means I can't open any other business bank accounts or business credit cards, and have been blacklisted as a result. 

I paid the recovery bill. It should be cleared. They have not responded to a request I sent over a month ago, and I can't get anyone on the phone to answer my questions or even direct me to anyone who can provide a resolution.

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 2019-07-02
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I performed XXXX  XXXX for two customers who paid me {$1900.00} via Paypal on XX/XX/2019, and {$600.00} via Paypal on XX/XX/2019, respectively. These customers filed a dispute with Paypal against me claiming they didn't receive what was purchased and subsequently withdrew the paid funds out of my personal bank account to hold until the disputes were resolved. Both disputes were resolved in my favor and Paypal credited my online wallet the money that was taken. Here are the details for each dispute and notice of the results from PayPal from XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$1900.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX XXXX   XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$1900.00} USD Disputed amount : {$1900.00} USD This case is now closed and there is no further action needed. 

and then received on XX/XX/2019 : We're happy to confirm that the following case was decided in your favor. We've credited your PayPal account for {$600.00} USD. Here are the case details : Case ID : XXXX Buyer 's name : XXXX Buyer 's email : XXXX Buyer 's transaction ID : XXXX Your transaction ID : XXXX Invoice ID : XXXX Transaction date : XX/XX/2019 Transaction amount : {$600.00} USD Disputed amount : {$600.00} USD This case is now closed and there is no further action needed. 

PayPal redeposited these funds into my account so now I have {$2500.00} sitting in my account, however, PayPal closed my account prior to the settlement of these disputes and has blocked me from transferring my money back into my personal bank account. They withdrew these funds from my personal account when the claims were filed and by doing so, prevented me from being able to pay my mortgage payment that was already behind on. I'm facing foreclosure because of all of this money taken out of my account. Meanwhile, PayPal sits on my money and is most likely making interest off of it for each day that they hold on to it! When I called their Customer Service Department, I was told that it would not be release for 180 DAYS!!!! 

There has been no account activity since XX/XX/2019, when PayPal restricted the use and blocked me from sending or receiving any funds. It's been over 2.5 months since my account was used, so there is no reason why PayPal shouldn't deposit the funds BACK into my personal bank account from which they withdrew the money from in the first place. The amount I owe to my mortgage company is less than the amount that PayPal is holding and refusing to refund. 

I respectfully request help in resolving this matter so I can save my home from foreclosure. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Citizens Bank committed security fraud, by accepting XXXX XXXX credit card, and making multiple trust acts with XXXX, XXXX, and other corporations that Citizens Bank created agencies with through advertisement, which caused Citizens Banks breach of fiduciary duty, in malice. SEC Rule 10 b-5 Citizens Bank malfeasance in public office during XXXX XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Synerprise Consulting Services, Inc.
State: TX
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:
It had previously come to my attention that Synerprise Consulting Services posted an adverse entry on my credit report, with a case opening date in XXXX. I checked my credit report a few months later, and Synerprise Consulting Services had unlawfully changed their case opening date to XXXX, so that the entry would remain on my credit report until XXXX. I have written to them about this, asking that they remove the entry, but they simply re-reported the invalid date to the credit reporting companies. I have never received any documentation about the disputed amount, and have no idea what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Formal Complaint Regarding Inaccurate Collection Entry on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection entry on my credit report that contains significant errors in both payment history and the outstanding amount. I believe that these inaccuracies not only violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 804, but also the Fair Credit Reporting Act ( FCRA ), as outlined in Section 1681.

I would like to bring to your attention the following details regarding this issue : Description of the Error : Upon reviewing my credit report from Equifax Credit Agency, I discovered an entry for a collection account under the name of ABSOLUTE RESOLUTIONS. However, I have serious concerns about the accuracy of this entry. It reports that I made late payments in XX/XX/2019, and the outstanding balance is listed as XXXX. I maintain that these reported late payments and the indicated balance are not accurate. 


Communication with the Collection Agency : I have made numerous attempts to contact Equifax Credit Agency to rectify this issue and provide them with the necessary evidence to correct the inaccuracies on my credit report. Despite my efforts, they have not responded or taken any action to resolve this matter.

Impact on My Creditworthiness : The inaccuracies in this collection entry have had a severe negative impact on my credit score. This has made it exceedingly difficult for me to obtain credit, and secure reasonable interest rates, and has even hindered my ability to pursue housing and employment opportunities.

Violation of FDCPA and FCRA : I believe that the inaccuracies in this collection entry are in violation of FDCPA Section 804, which mandates fair and accurate debt collection practices, and FCRA Section 1681, which requires accurate reporting of consumer debts. Both laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I am well aware that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) mandate accurate and fair reporting of consumer debts. These laws also ensure that consumers have the right to dispute and correct any inaccuracies on their credit reports.

I kindly request that the CFPB conduct a thorough investigation into this matter and take appropriate action to rectify the errors on my credit report. Additionally, I request that the corrected credit report be provided to me and to any relevant credit reporting agencies to ensure an accurate reflection of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: NRA Group, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt that the collector is trying to collect is a medical debt due to auto accident. The medical facility has been given auto insurance information that would pay the claim and medical insurance that also would pay the claim on three separate occasions via mail once and by phone twice. The last being in XX/XX/XXXX. I have verified as of XX/XX/XXXX that the medical company has not submitted the bill to either insurance company. When I was first notified of the debt I disputed over the phone twice giving the collection agency the above information along with dates and whom I spoke to at the medical center. I did not hear anything from either the medical company or debt collector ( by phone, writing, text or email ) until late XX/XX/XXXXvia a text message and subsequent voicemail. I called back to dispute the debt and when they continued to try an collect I responded by text to their message disputing the debt multiple times as well as email so I had it in writing. I also called back to dispute the debt again. I have not received any further communication from the medical center after leaving multiple messages. The debt collector has not responded to any of my messages disputing the debt and continues trying to collect this debt that still has not been billed to either insurance provided to the facility.

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 2021-03-23
Company: GVA Holdings, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by Target Cash Now on XX/XX/2021 and informed they were trying to collect on a debt for a loan that was taken out on XX/XX/2021 by someone using my information. At first I thought they were trying to scam me but when they provided me with information about the loan, I realized they had my name, my last 4 digits of my social security number, my place of work, my telephone number and a portion of my address. They did not have my full address and the banking information they provided is not a bank that I have an account with. 

Target Cash Now informed me that I would have to file a police report since as far as they were concerned the account was in my name and it would affect my credit rating. I did contact the XXXX XXXX Police department and I have a XXXX Police Department Citizen/Police Contact Receipt ( XXXX ) also dated for XX/XX/2021. 

I did not share this information with Target Cash Now because it has my drivers license information and my correct address and I did not want to provide them this information. Instead I reached out to the Maryland States Attorneys office for advice and guidance. 
I was advised by Mr XXXX XXXX, XXXX Identity Theft Program, Office of the Attorney General to file a complaint with this organization and to freeze my credit. 

The following is the rest of the information that Target Cash Now provided me on this loan that I am disputing * funds deposited into XXXX XXXX account ending in XXXX XXXX Loan ID XXXX XXXX Of interest to me is that I never received any loan documents or information on this account/loan even in my SPAM/Junk mail prior to the disbursement of the funds. But I have received numerous requests in my spam that are reminders about the payments that are due on the account. 

I would appreciate any assistance you can give me to get this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Account status incorrect

Complaint:
This vehicle loan was closed as paid in full as the original loan was transferred to another party. I was the co signed on this account. 

XXXX XXXX continued to report this loan/account as late payment/missed payment to the three major credit bureaus and has since caused major decreases in my credit score. 

XXXX XXXX provides documentation stating that the loan was not in my name at the time they were incorrectly reporting it as late.

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 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from Capital One to XXXX. We paid XXXX the XX/XX/2018 payment. Apparently the transfer didn't happen until XX/XX/XXXX Capital one reported this as late I have filed a complaint and sent all information to Capital one and XXXX I have proof of payments

Company response to consumer: Closed with explanation