BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XXXX XX/XX/XXXX {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: National Collection Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
According to my XXXX XXXX Report, National Credit Managed placed a falsely alleged debt of {$2500.00} on my credit report. I continue to get harassing phone calls daily from fake phone numbers. I can only assume it is National Credit Management. They are in blatant violation of the Fair Debt Collection Practices Act. According to the FDCPA I have no legal duty to communicate with, or work with, in any way, a third party debt collector. I REFUSE to work with National Credit Management and DEMAND they cease and desist all future communication with me. This falsely alleged debt is originally from the University XXXX XXXX  XXXX. I was a student at the University XXXX XXXX XXXX from XXXX to XXXX. I did well in my first two years and nearly completed my XXXX. Unfortunately, I signed up for a XXXX XXXX XXXX position. I did not know the XXXX to whom I was assigned, nor did I know or understand the subject matter. The XXXX complained about my alleged poor performance to the Department. I was not notified so that I could respond. I learned of the complaint through a private email from my mentor who stated he had personally recommended me for the position, and that due to the false allegations of poor performance from the XXXX, I had negatively affected his reputation. I suffer from legally defined XXXX under the XXXX, these are XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. I spiraled into XXXX, and dropped all of my on campus courses. I tried to take online courses but the university offered no online courses relevant to the completion of my XXXX. I tried therapy through the Student Counseling Center but was unable to return to regular course work. I dropped all of my courses for MEDICAL REASONS, therefore any falsely alleged tuition SHOULD HAVE BEEN REFUNDED. I took my complaint all the way to the Dean of the XXXX XXXX as well as to the XXXX XXXX office. I was ASSURED, that I would NOT BE CHARGED, yet the idiots at the Bursar 's Office sent this bill to collections anyway with massively accrued interest doubling the original falsely alleged amount. If this is not removed from my credit reports immediately, I will file a complaint with every state, municipal and federal anti-discrimination office. I will be forced to take legal action. Going to the University XXXX XXXX  XXXX, and even going to college  at all, was the worst mistake I've ever made in my life. I hate school, I hate college, and I hat XXXX   most of all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi I had a checking account with Bank of America ending ( XXXX ). That account was closed by the bank in ( XXXX XXXX ) due to fraudulent activity and we were assigned a new bank account ending XXXX. In XX/XX/XXXX, we discovered an online transaction in bill pay {$1000.00} was sent to a deceased person ( died in XXXX ) used to do handy work. The money was taken from a back up account because the closed account didnt of course had any fund. How a closed account is useable and its backup account still effective. The bank didnt do close the account correctly. The bank didnt protect me. I called the bank the fraud department over 20 times and I also took off from work twice and went in person to Bank of America and no solution. I was told that they are waiting for the ( deceased ) person who cashed the check to get the check back. The check was cashed by another bank. The check was sent to a po box . So they have 2 official places to get their investigation going and closing the gaps. This is very exhausting.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: MD
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:
My rights have been violated as a consumer. I sent multiple letters off to XXXX, XXXX XXXX Experian about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, XXXX XXXX Experian using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.

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 2019-10-03
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a car and CPS ( Consumer Portfolio Service ) XX/XX/XXXX. Terms of the contract 20.45 % for 60 months. Amount financed was {$13000.00}. I deferred possibly 4 payments. As of today {$9200.00} as of today. Which I believes is not possible.. Payments total {$14000.00}, amount applied to principle - {$4100.00}. Amount applied to interest - {$10000.00}. 3 payments aren't even showing on her account ( XX/XX/XXXX, XX/XX/XXXX & XXXX ) but had to be applied to interest. as it isn't until XX/XX/XXXX does anything get applied to principle. I also sent me an amortization schedule showing how the payments should have been applied. I have reached out the company multiple times and they are stating that my contract states that 5.19 % interest per day is to be applied daily but there is nothing in my contract to stated that and my loan is 60 mths and its being reported as an 53 month loan and XXXX shows I havent made a payment at all in XXXX and half of XXXX and showing on the company website as an 7 year loan. I have reached out via chat multiple times and today I was told that I had to call in to speak to a supervisor and I stated why i have spoken to supervisors several times via chat and the rep XXXX stated oh I thought you wanted to call them and then she disconnected my chat. I have reached out to the car dealership where I purchased this vehicle and they are stating that per my contract I signed is for 60 mths at {$350.00} per month nothing about interest being charged per day. I have all my documents and CPS keeps stating that they are going to do an audit. I pulled them up on the better business bureau and there is multiple complaints like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-04-29
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 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, I called XXXX XXXX XXXX via phone, spoke to XXXX at the Credit Bureau XXXX XXXX. XXXX was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at XXXX, submitted supporting documentation that proved all payments to XXXX were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, Transunion is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my Transunion report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

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 2019-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
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:
Reported to XXXX several times that a collection account has been paid in full, and paperwork supplied, but still showing negative on credit report. Collection agency said they have sent in paperwork also, but this still hasn't been corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-09-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received correspondence from Jefferson Capital Systems LLC ( JCS ) and they are alleging that I owe a debt. They have not provided name or address of the original creditor. They are in fact a debt buyer and have no license to collect in the state of California in which they are trying to collect from. They have given false and misleading information to the CRAs and have caused great damage to me and my credit report. Jefferson Capital has shown gross negligence in their practices and have violated the FDCPA and FCRA in countless ways. JCS created an account " for me '' using my personal identifying information without my consent and have contacted me more than once without my permission. I have requested for validation of the alleged debt and it has yet to be validated. I will be sending out a second request & notice of dispute on Monday ( see attached ). They have caused great injury to me and my reputation by negatively reporting this alleged debt and causing me to have stress and anxiety whenever this matter is brought up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and Experian are reporting incorrectly a balance due of {$8100.00} on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.

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 2023-01-06
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 had a Capital One Journey MasterCard. This was my very 1st card. After paying my bill around Mid XXXX -early XXXX, I deiced to go buy some things. The Next, Morning I get a notification that my account is DOUBLE my original balance. I Immediately call Customer Service. They tell me, That a payment of {$930.00} was returned ( My balance was only like {$300.00} ). I asked them whats going on. They precede to tell me that there are MORE THAN ONE type of Payment accounts on my card. Baffled, Annoyed, and Honestly Scared I told them that only ONE account is supposed to be on this card. They closed my Account and Stuck me with an over {$900.00} bill. 
Today, I tried to talk to them again. I was not aware of what I could do to fix my problem. They gave an Hour and half run around to tell me its not Fraud so I am stuck with this balance. I am very new to credit cards and have no idea what I am supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 submitting my complaint about corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and Transunion Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct this late/open account immediately. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The TransUnion and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Please change the status to Paid or simply " correct '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit Report 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