BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account 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 explanation
Consumer complaint received 2018-09-02
Company: EQUIFAX, INC.
State: SC
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 hard Inquires on my credit report, that I did not authorize. Hard Inquires such as XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX. ( XXXX XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) are all unauthorized hard inquiries. Fraud alert has been placed on my report four times. One time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Identity theft has also played a part in unauthorized inquiries and accounts. Accounts such as XXXX, XXXX and XXXX XXXX is identity theft and should all be taken off my credit report. Letters of the law have been sent to all three bureaus ( Equifax, XXXX and XXXX ). At this time, Iinvalidated information on my credit report to any of the 3 major Credit Bureaus ( Equifax, XXXX or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, reporting false information is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the South Carolina Attorney Generals office. Civil and criminal claims will be pursued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX we travel at XXXX and buy 2 medicines, merchant try to charge all under my XXXX XXXX credit card XXXX XXXX and XXXX within 5 minutes, the XXXX XXXX go thru and XXXX XXXX blocked for suspicious. My husband use XXXX  credit card issued by Bank of America. After merchant charged us the card and give us merchandise at a XXXX bag. Tours guide rush us back to tours bus and go. We did not find out we have wrong products until we back to United States when we try to take the medicine on XX/XX/XXXX. When we open the bag and see that's compressor candy instead of medicine, I immediately wechat my friends at XXXX to get hold with merchant, on the other hand I also use the site at box to contact merchant for what's going on.. then found out the site is not valid. XX/XX/XXXX my friends chat back that no such phone number. I also see article at XXXX when searching name of merchant then find out they scam people at XXXX already. So I immediately contact both XXXX XXXX and Bank of America to dispute the payments. XXXX XXXX stop pay the merchant ; BOA denied our dispute and excluded when I request re-open.BOA denied " no proof or tracking for return '' ( but I am unable to ) and excluded as '' this is face to face purchasing '' if we did not inspect product before left, its our mistake. I feel like we did not get protect by the bank and now bank force us to pay scam merchant for the fake product.

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: EQUIFAX, INC.
State: AZ
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 countless inquires that I don't recognize. This is my first time pulling my annual credit report and I would like to have them erased. 

XX/XX/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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2019-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am trying to sell the two properties encumbered by this mortgage in order to get the mortgage debt paid off. There is a buyer and signed offer on one of the lots and the inspection has been completed. In order for the sale to proceed, it is necessary for Bank of America to allow a partial lien release such that we can guarantee a clean sale of the first lot to the buyer. Bank of America is refusing to do so. Allowing the sale of this first lot would result in Bank of America receiving more than half of what is due on the loan and they will still hold the lien on the second lot which is a buildable waterfront lot. Bank of America is not acting in good faith by refusing the partial lien release and by preventing the sale from going through. They are also jeopardizing my ability to procure a buyer for the property. 

This is not a duplicate of a previous complaint. This is a new complaint concerning Bank of America hindering the sale of the property to a third party.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I was required to verify my ID thru TransUnion Secure ID this afternoon. I took the test twice and failed on line. I then called the indicated number, XXXX did on line with support person and failed twice. My answers were correct to the best of my knowledge as they were flawed questions. One time asked if my XXXX year deceased ex husband, XXXX XXXX , lived in Texas . Did they mean before he died? First I put yes and failed. 
Then second time I put no since dead and failed on both times. None of the street numbers, names of streets, former employers or other info was applicable and put none of above. In one set asked about deceased former mother in law, XXXXXXXX XXXX if lived in XXXX and I said yes once and no the second time and failed both. Then asked about former sister in law have not seen and do not know if alive in over 25 years about living in Texas failed. So called for numbers given for assistance to no avail for over 2 hours XXXX then XXXX and finally XXXX. My Security report number was XXXX. 
They suggested I print my credit report. I did and nothing on there supported my failure. 
The authentication questions to verify my identity were the same list of question for getting my report as questions I failed on Identity ID earlier except for the dead people and I passed to print report. None of that info is on my report. This is crazy. I need a human to help correct this inaccurate info.

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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a {$2200.00} payment on XX/XX/2022, which I asked to be applied to the principal only. According to the XX/XX/2022 statement, the ending balance was {$18000.00} ( {$1900.00} principal + {$210.00} interest ). The entire payment was not applied to the principal, however, there was no payment due as of XX/XX/2022. I went to the website, and on or about XX/XX/2022, it stated that I owed {$700.00} and it was 4 days late and that I owed a total of over {$1400.00}, that was going to have to be paid by XX/XX/2022. I immediately sent a payment of {$800.00} to XXXX, and according to my bank, it has not been received as of XX/XX/2022 ( not believable because it has been over a week since it has been sent by the bank in the form of a check ). 

I also made a {$700.00} payment on or about XX/XX/2022, and it has arrived and has been subtracted from the so-called total based on their calculations stating that I owe over {$20000.00}. I am confused. I am trying to pay my bills, however, it seems that XXXX is not giving me credit for payments made and they are charging me fees and interests, which is not making sense. I am a poor widow of a veteran who can barely make ends meet, however, XXXX it overcharging me based on my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Financial Corporation of America
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has yet to bill our insurance but has now sent a collection agency after my wife. 

On XXXX XX/XX/XXXX, my wife went into XXXX  XXXX  and had a XXXX  with XXXX XXXX. XXXX XXXX XXXX in XXXX, Maryland ( XXXX ) did not send us any statements until XXXX XX/XX/XXXX. The statement amount was {$4200.00}, and listed our insurance provider as XXXX XXXX XXXX XXXX XXXX XXXX, which is correct. On XXXX XXXX, shortly after receiving the statement in the mail, my wife called in order to have the bill sent to our insurance provider. The billing clerk said they would send the bill. The insurance provider did not ever receive a bill from XXXX , so this is not an issue of improper coding. We again received a bill on XXXX XXXX, again my wife called XXXX , who said they will send it, and again we confirmed with our insurance provider that they have not received a bill, statement, or notice from XXXX. 

XXXX has now sent our bill to Financial Corporation of America , a collections firm for the full amount. To our understanding, XXXX has yet to file with the insurance provider. Since this procedure, my wife had another routine anesthetic procedure on XXXX XXXX. The XXXX XXXX University Department XXXX  XXXX  managed to bill our insurance provider and in less than two weeks the bill was settled. At best this is a situation about incompetence, of a clerk who simply can not handle a simple task like sending a claim to an insurance agency. At worst, this is a case of malfeasance, whereby the company is taking a chance by harassing a customer to receive a greater payout than they would through insurance. I can only hope it is the former and not the latter. 

To be clear, XXXX XXXX XXXX XXXX XXXX XXXX is a XXXX  insurance plan. I am a XXXX  XXXX  and my wife is my dependent. I do not believe they are at fault. They cant process what they have not received. It is after hours, but tomorrow my wife will again call XXXX and XXXX  to attempt to resolve this issue. To XXXX, please feel free to contact me so I can provide my wife with a better number than your billing department, as this appears to be beyond their skillset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To whom it may concern, THIS letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681 e ( b ) compliance and procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, Mail or email in a fraudulent account. I demand to see verification proof ( i.e an original contract with my signature on it ) that you have on file for the account listed or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts Has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be deleted and if you are unable to provide Me a copy of verifiable proof, you must delete the account listed below. 
I DEMAND THAT ANY ACCOUNTS BE VALIDATED OR DELETED IMMEDIATELY. 

In addition, Delete All non-account holding inquiries over ( 30 ) days old, also, please add a promotional suppression to my credit file.

Under Federal law, you have ( 30 ) day 's to complete your re-investagation. Be advised that the description of the procedure used to determine the accuracy and completeness of information is hereby requested as well, to be provided within 15 days of the completion of your re-investagation, Thank you 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 explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to download or access my annual credit report from XXXX and XXXX. for federal law enforcement investigation into mill fraud also identity theft. XX/XX/2023 there's a different issue with XXXX. i've also consistently tried to upload the pertinent information to make a just determination and this matter to be to my astonishment what was uploaded was nothing even though it shows File was uploaded.

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 2018-10-18
Company: Premier Student Loan Center
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I got a call XX/XX/XXXX saying how I am approved for loan forgiveness and if I'm interested press 2 or  something like that. I was very hesitant to trust them because you hear of scams happening all the time so they sent me a whole bunch of emails proving to me that they were real. The deal was I was supposed to start paying them {$190.00} a month for 6months then my loan payments would go to {$10.00} a month for 10 years, I believe. They were going to handle everything from XXXX company and my Federal student Aid. I had to give them passwords so that they could have the information to contact them. If I was going to get anything from XXXX I was supposed to forward it all to this company. I got a text message yesterday XX/XX/18 saying oops-you missed your due date. make a payment today at XXXX msg & datRatesMayApply. text STOP to stop texts. I would have paid that no problem if I knew I had to pay them. I called XXXX XXXX at XXXX to talk to them about my concerns that I may have been scammed. I was checking my account for XXXX to make sure that I didn't owe them anything and that this premier student loan center really did take care of it. It showed on my account that I didn't owe XXXX   anything during these months. to me that made me feel reassured that everything was ok. When I talked to the lady this morning, XX/XX/18.18, she said they were contacted saying that I was having trouble paying my monthly payments that I needed a forbearance. I never called and told them that. that is why it looked like I didn't owe them anything during the months I was paying this other company, premier student loan center. The lady went over all my information and there was a lot of things wrong on my account including, extra phone numbers that were not mine, address that wasn't ' mine, and email address that wasn't mine. We updated all of that. I called my bank and made sure that I don't want any payments going to this XXXX XXXX XXXX account XXXX XXXX XXXX. The lady I spoke to also gave me direction to contact CFPD. I have changed all of my passwords and stopped payments already but I don't know if they are going to come at me with anything. they took audimatic payments from my debit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018 all {$190.00} so a total of {$790.00} is what has been paid to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have inaccurate names and an address being reporting in the personal information section of my consumer report. I requested to have the information deleted because I want to protect my confidential info and avoid identity theft. I do not want my personal information accidentally mailed to the wrong address. I can not receive correspondence from the address ( XXXX XXXX XXXX XXXX, TN XXXX ), nor will I ever know if and when to respond if mail was sent to the other address by error. Someone else lives at that address. I also do not use 3 different names XXXX XXXX, XXXX XXXX XXXX ) to apply for credit. Under the FCRA 15 USC 1681e ( b ) ( 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 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