BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
, On XX/XX/2020 I received a call from Experian after leaving a message for XXXX XXXX. The associates ' name was XXXX. I advised her that I spoke with XXXX in regards to my student loans and the payment history being incorrect. She advised me that she would open a dispute to attempt to have the payment history corrected. Before the end of the call, I asked if Experian did 1st party verification for consumer information or 3rd party, and she advised me that they use 1st party communications only and the call was concluded. Later that day, I checked the my online profile and didn't see any open disputes, so I called XXXX XXXX and left a message to verify that a dispute had been started. When he returned my phone call on XX/XX/2020, he stated that she did open a dispute for the student loans. I then asked him if the verification would be first party or 3rd and he stated that the company sends notification and the information is verified by the 1st party within 30 days. HOWEVER, on XX/XX/2020, I received a letter from XXXX stating that they had opened an investigation into Experian to verify information on my behalf. I have not sent XXXX any documents or made any such requests thru 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 2022-06-02
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instruction.

The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX   XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/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 2023-04-06
Company: Avant Holding Company, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance With the fair credit reporting act XXXX  account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
I took out a high interest auto loan with a subprime lender XXXX XXXX XXXX XXXXXXXX in Louisiana in XXXX. I had a balance due after the last payment - due to taking hardship deferments. I paid the balance due over two months - around {$4600.00}. I was reported as making late payments those two months XXXX and XXXX of XXXX, even after the loan maturity date. The company also changed by date of first delinquency from my original first missed payment in XXXX of XXXX, to a XXXX of XX/XX/XXXX. They are reporting this inaccurate XXXX  to all CRA 's and all disputes have been ineffective at removing this 9 year old loan that has been paid in full and closed. Please help as I have gone through the company and all three CRA 's with no 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 2019-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXCURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; N/A XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Advanced Resolution Services Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-08
Company: ALLY FINANCIAL INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a email from Ally Bank ( see attached photo copy ) indicating that a Ally Interest Checking Account ( # XXXX ) had been created using my name and email address as the authorized user. 

However, I never communicated with nor authorized Ally Bank to open any financial instruments in my name. 

On XX/XX/2022, I received an additional email from Ally Bank indicating that they were notifying me that I should create a Login ; Password ; and a customer profile for this account. 

I did not comply with any of these instructing believing that this may be fake. 

When I called to validate this, the initial answering question as if I was calling to report an unauthorized creation of an account, the phone when dead.

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 2023-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
About four years ago, while I was in college in XX/XX/2019 I opened a credit card with XXXX XXXX to purchase some clothes. At the time I had little if any working knowledge of how credit cards and payments worked, and ultimately forgot to pay off the clothes in appropriate time. 

A few months down the road in XXXX of that year I picked up a call from a representative at XXXX XXXX who explained the situation, and with the representative on the phone I paid off the amount owed, totaling XXXX USD. I walked through the amount and the process with this representative on the phone to ensure that I was doing everything right and paying the correct amount. 

For the past three years since paying it off, I've been relentlessly contacted by a debt collecting agency called Portfolio Recovery Associates about this money that was owed and paid to the original creditor, XXXX XXXX. I've repeatedly disputed the debt and provided proof, as well as sent emails showing that I paid the original creditor to no avail and have not received a response to my disputes of the debt. After almost XXXX years of harassment and a delinquent note on my credit score that is affecting my career and personal goals, I'm hoping to find a solution so I can get this delinquency and debt that I don't owe removed from my credit report for good and to stop receiving calls from Portfolio Recovery Associates on an almost daily basis. 

I'm interpreting this situation to have been a miscommunication between XXXX XXXX and XXXX, I believe that they sold this " debt '' to the agency mistakenly when I had in fact paid off the amount owed. I'm tired of dealing with this and am growing concerned about the financial and credit report long-term repercussions of this derogatory remark which is potentially affecting my ability to get jobs, have credit cards, etc. I also don't believe I received communication before the debt was sold to XXXX as required by law, which would make sense given that if I had I would have reached out to let XXXX XXXX know that the payment was made and would have sorted this entire ordeal then. 

I have taken numerous actions via phone call and email to dispute the debt and have not received any replies to my dispute, instead repeated attempts to continue collecting this debt that I don't owe. I'm now at the point of considering legal action if XXXX XXXX and/or Portfolio Recovery Associates do not correct this issue as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: PR
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: Other problem getting your report or credit score

Complaint:
For manny years I have the problem with my debt to not repor properly to the agency in this case my credit report of Equifax are incompleted and not included many account that action affect my credit history and credit profile. 
I need resolve this manner as soon as posible. The following debtor to not report to a Equifax are : XXXX XXXXXXXX XXXX ( mortgage ), XXXXXXXX XXXXXXXX XXXX ( Auto loan and Personal loan ), XXXX ( credit card ), XXXX XXXX ( credit card )., XXXX XXXX ( credit card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Thursday, XX/XX/2022, I mailed three checks by putting them into the mailbox outside of the XXXX XXXX XXXX XXXX. 

Check # XXXX was made out to my sister XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 
Check # XXXX was made out to my brother XXXX XXXX XXXX for {$2400.00}. 

All three checks were signed by XXXX? ( XXXX XXXX XXXX  and deposited into his or her bank account at Bank of America, and the money was taken out of my account on XX/XX/2022. 
I do not know the place and bank account number where the money was deposited because in the three months since this occurred I only spoke to a person from Bank of America the day the money was taken from my account and Bank of America recognized this as fraud. Since then, I have never received a call back from anyone even after numerous calls to Bank of America. I have only spoken with those who answer the phone or someone who can not give me information on the case, and each time was told that someone would call me back but that has never happened. All I have been told is that Bank of America has the money, but it has not yet been returned to me. The XXXX number from Bank of America is : XXXX. 
My bank, XXXX XXXX XXXX, filled a report against Bank of America on XX/XX/2022 and has not yet received a response from them.

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 2015-06-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank account is at Citizens Bank. I reside in XXXX. I have had this account for XXXX years. At first I might show an overdraft at the beginning of the year when my health deductibles had not been satisfied. Each time I was charged {$35.00} to {$37.00} dollars overdraft. I had my debit card management changed so that the transactions world not go through if there were insufficient funds as I was unable to tell what the bank was doing. My paycheck is electronically transferred over night on Thursday to Friday. I had my mortgage payment bill pay set to go out the day I got paid for years and never had a problem. Last year I decided to link my savings account to the checking account to decrease the overdraft amount from $ XXXX to {$6.00} to ovoid the XXXX quarter phenomenon. Well, I began to bounce checks on a regular basis including the mortgage payment which I knew was traditionally paid on payday. I called the bank and got some story about the items being entered as they come in and the payment must have been entered first. Recently, I paid a painter {$400.00}. I told him the check will be good the next day on Friday after I get paid. Citizens bounced the check and something like that had never occurred prior to hooking the savings account to the checking. I have a long history of accounts at XXXX, XXXX XXXX and an XXXX XXXX XXXX and never bounced checks because of careful planning. I am unable to plan payments anymore at Citizen 's bank nor am I able to track what the Bank is doing because my web access does not show that. Thus, they are enabled to shift income and payments to overdraft my account. For hard working, responsible individuals, such as myself, this makes it impossible to manage a budget and it smacks of thievery on Citizens Bank 's part. Can you assist?

Company response to consumer: Closed with explanation