BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
According to both Transunion and XXXX, the credit card provider, XXXX XXXX, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX Dollar and XXXX Cents ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX  Sent : Wednesday, XX/XX/2022, XXXX PM ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with XXXX XXXX, which handles your XXXX  account. This card is issued by XXXX XXXX  pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. 

We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 

On behalf of the bank, I apologize for the inconvenience. 

If you have any questions, please click the reply button. 


Sincerely, XXXX.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates. 

I have filed disputes with both XXXX and Transunion. 

The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages. 

I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint was for BOA who claims my loan with XXXX XXXX XXXX  from a refinance during XX/XX/XXXX was serviced by Countrywide in XXXX or XX/XX/XXXX. 

It has been my stance that BOA is doing everything possible to place itself ahead of a lien by XXXX XXXX in XX/XX/XXXX. The loan by XXXX XXXX should have been cleared when I did a refinance with Countrywide after XX/XX/XXXX. 

I have documents from the fax by XXXX XXXX showing the date of XXXX when the first contact with Countrywide occurred. BOA has sent the same documents with the fax date being whited out.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-15
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Agen XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Profit Services Group
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received my first phone call around XX/XX/XXXX ( maybe a few momths later too long ago to remember exact time ) from the Profit Services Group trying to collect a debt from my hospital visit ( while on a military trip ) to Georgia XXXX XXXXXXXX XXXX. I was unaware I owed money to the hospital. After the guy from the Profit Services Group proceeded to tell me i NEED to pay now sounded odd. I called the hospital to find out they never billed my insurance company. I gave the hospital my insurance information and they told me that they will run it but it will not be pulled from collections until insurance pays. I called my insurance company a few weeks later because i was receiving multiple calls from the collections agency and eventually they were hostile and wouldn't allow mw to speak to a supervisor. My insurance company told me they sent out a check about a week ago ( at the time of this conversation around XX/XX/XXXX, XX/XX/XXXX ) and i didn't have to pay anything. I let it go until i received more phone calls telling me i have to pay again, i told them my insurance paid it and if they have any other questions my insurance company told me to tell them to call them. Well the guy said no it doesn't work that way they can call us in the mean time we are putting this on your credit. I called my insurance company back and relayed the message, i gave them the phone number they called collections agency and called me back stating they were rude and didn't get anywhere and they wouldn't give the hospitals phone number. The insurance company eventually got in touch with hospital and worked it all out however, collections agency never let go of collections instead they put it on my credit with three different amounts that is inaccurate. I keep disputing on my credit report but somehow they are saying its valid when it's not. They don't call me anymore except when i keep disputing they keep calling i ignore them because of the ignorance of the conversation. PLEASE help me = (

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As indicated by the attached copies of letters and mailing receipts, I have disputed the following alleged debt to no avail. I have request Ford Motor to provide validation of debt, proof that I have a legal obligation to pay this debt, proof of their right to collect this alleged debt, contractual evidence bearing my signature obligating me to pay their company, explain and show me how they calculated what they say I owe, provide copies of any papers that show I agreed to pay what they say I owe, and prove the Statute of Limitation has not expired on this account. To date Ford MotoXXXX have not done their duty as mandated by law. As of this moment, there is no question that they willfully violated my rights. Their non-compliance with federal law is unacceptable, your disregard for it contemptible. Please note that I can seek remedy due to FCRA and FCDP violations if a negative entry is placed on my credit report with XXXX, XXXX and XXXX from a debt I do not owe. Furthermore, I have a legal right to sue to seek redress in civil action, for recover of damages, cost, and attorney fees should they continue to deliberate obstruction of the law. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus never did a proper " investigation according to the FCRA. 

The California Civil Code Section 1786.2 defines an " investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported. 

They did not do this. 

Also they have violated my rights even more, In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible when they never did a proper " investigation according to the FCRA ''. 

They also violated the law because according to 15 U.S.C 1681 section 602 A states I have the right to privacy. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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:
In XXXX of 2022 I cancelled an internet service with XXXX XXXX ( I was not on any sort of contract at the time ) and switched my internet service to XXXX XXXX. I was instructed by XXXX XXXX to place my hardware that belonged to the company into a self addressed, postage paid box which would be mailed to me. Once the XXXX XXXX received the equipment from me then my service would be closed. I mailed the equipment off as instructed. 

In XXXX of 2022 I was surprised to find I was charged another full-month from XXXX XXXX for service that I had cancelled over a month prior. I contacted XXXX XXXX via phone and inquired about the charge of {$82.00} on XX/XX/2022 to my credit card. The customer service rep indicated that the equipment likely hadn't been processed yet and once the equipment is processed then the account would be updated and credited based on the cancellation effective date. I acknowledged that I understood and waited a few weeks for the credit to apply to my credit card but it never came. So I disputed the charge on my credit card and the credit card company conduced their own investigation and ruled in my favor and reversed the charge. 

XXXX XXXX XXXX again sent me a invoice for the {$82.00} and I again reached out to the company explaining what happened but the customer service basically said " the system says you owe charge so there isn't much I can do ''. 

This charge has been sent to XXXX and it is affecting my credit, which is otherwise stellar. I am disputing the validity of this charge and I'm seeking the assistance of CFPB to have this derogatory mark removed from my credit report. I have attempted to dispute this charge directly with XXXX XXXX and directly with XXXX to no avail. 

I will attempt to send a pdf file of my credit card statement from XXXX 2022 showing a charge for Spectrum Cable on XX/XX/2022 and a charge from XXXX XXXX  in XX/XX/2022. I wouldn't not have kept of paid for both services at the same time because once I had the Spectrum service installed. I called and cancelled the XXXX XXXX. I have no documentation of the cancellation because it was done via phone. I was unable to locate the UPS receipt I received from mailing the XXXX  equipment back but it was definitely sent back in a prompt manner.

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 2021-04-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Nelnet, 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:
On XX/XX/2022, I submitted a complaint regarding a federal student loan account that is serviced by a company named Nelnet. The reason for my initial dispute with this company as well as XXXX, was against the inaccuracy, incomplete and unverifiable information that is being reported on my consumer report pertaining to payment history. I submitted a complaint to Nelnet, XXXX, XXXX and XXXX. I am still awaiting the results of my dispute and investigation from XXXX and XXXX. However my case was closed by Nelnet and XXXX and deemed as accurate. My question to Nelnet and XXXX is how did you come up with the findings of your investigation? I asked in my previous complaint to be mailed with any and all documentations proving your claims, which you guys failed to do. My second question is how could a violation of the law be accurate? According to Cornell 's law, U.S. Code 1681a 2 ( a ) ( i ) it clearly states that transactions and experiences between the consumer and person making the report should NOT be included on a consumers report. Please explain to me why you feel you are above the law? I have also brought your unlawful acts to my attorney generals attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate the account. Please follow the law so that this situation can be settled quickly. 
XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5700.00}

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 2023-06-20
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I found evidence that my crypto account had a negative balance many times. This only became viewable by me after my brokerage account had been deactivated. ( which occurred today ) This is proof that the funds have been commingled by robinhood as crypto assets are not marginable and are only custodied by robinhood. It is impossible to have a negative balance for an asset that you can't lend against and is supposed to be in custody. It is either in custody or it is not. It was not, which means they sold it, which means they were trading against me. Besides the negative balances, it looks to me like the balance was almost perpetually wrong at every single date that I check it for .... 

Again, this chart was totally hidden from me and the account closure exposed it ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my complaints # XXXX that I submitted on XX/XX/22 were closed when I checked it. Again, I was going through my records & noticed accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX 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 2018-08-22
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i contacted senex services about several medical bills that are on my credit report. i admitted that i owe the debt and i asked for copies of each account number because the credit report only displays partial account numbers. the woman on the phone refused and asked why i wanted the account numbers. i stated that i was interested in paying each account on a different date. she said i was not allowed to do that and then stated that she could offer me a settlement if i paid all at once. i said no. i told her that i will only pay one at a time and only if they remove each account from my credit report once paid. she said that it was up to management if they would do a pay to delete and i asked what that meant and she said it depends on what kind of mood her boss was in that day and i have to send a letter explaining to them why i didn't pay the debt in the first place. and she threatened to sue me if i didn't pay. this company won't send copies of my accounts and is abusive i want copies of each account and i promise of a pay to delete from this company medical bills should be able to be deleted my XXXX caused these bills in the first place how the debts originated is none of there business and why should i be subject to someone's mood to delete accounts from my report i think this agency is shady at best i contacted the original creditor and was told this company purchased these debts for pennies on the dollar and that is why they were so quick to offer a settlement. i will also be contacting my state 's a.g about this matter

Company response to consumer: Closed with explanation