BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: ERC
State: CO
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:
I had XXXX service when I moved to North Dakota in XX/XX/XXXX. When I arrived in North Dakota, I discovered that my service no longer worked. I call customer service only to find out that XXXX could not provide service in North Dakota. XXXX sent me forms to fill out so that I could return my equipment and told me that I would not be charged for the equipment or service since I arrived in North Dakota since they could not provide service. I was given an amount to pay that would bring my balance to XXXX   and assured that I would not be charged any additional amounts. I returned the equipment and paid the bill as instructed, but continued receiving bills for additional service charges. I call XXXX and was informed that their system simply had not been updated and that I owed nothing. Eventually the bill stopped coming, so I assumed everything was corrected, however, in XXXX, I found that XXXX placed the account with collections. I paid the collection account as a matter of eliminating the nuisance of collection, but now find that XXXX XXXX is reporting a collection tradeline on my credit report and is refusing to remove it. This account should never have been placed with collection and the collection tradeline is causing material harm to my credit and is preventing me from obtaining necessary financing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX OF PA XXXX XXXX {$1600.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1100.00} XXXX XXXX XXXX OF PA XXXX XXXX {$1700.00} XXXX XXXX XXXX OF PA XXXX XXXX {$240.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TRANSUNION credit report XX/XX/21 File number XXXX has addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 times as same address There is no reason to have 2 of the same addresses of the same

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 2021-12-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: American First Finance, Inc.
State: NV
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: Credit Technologies, 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:
On XXXX XXXX XXXX XXXX XXXX  I received an email from a loan XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wondering if I was still looking to purchase a home., later that day approximately XXXX XXXX. I started receiving various text messages and emails from XXXX XXXX and current credit cards that monitor my credit profile stating that my credit had been pulled by Credit Technologies , Inc in MI. I immediately thought I was a victim of identity theft as I had no knowledge of this company and I had not applied for any loans. I immediately phoned Credit Technologies , Inc to alert them that this was fraud as I had not applied or purchased anything and nor had I authorized anyone to pull my credit profile. The representative then asked me if I knew a company by the name of XXXX XXXX which was the company that requested them to pull my credit profile. I advised them that I would be disputing this inquiry with XXXX, XXXX, and XXXX as I had not authorized anyone at XXXX XXXX  to obtain my credit report. I hung up and called the loan XXXX which emailed me and left him a message, since I did not hear from him, I texted him at XXXX XXXX. he answered at XXXX XXXX. that he would look into it. Later that evening once I arrived at home, I disputed the hard inquiry with all the credit bureaus. I have emails and text messages that state they ran my credit in error and that they would remove the inquiry, but nothing has been done. My last email from the loan XXXX was on XX/XX/22 said he was asked to write a letter which he stated he wrote and would be submitting it later that day and the inquiry would be removed shortly thereafter. I have called all three credit bureaus as well as Credit Technologies who ran my credit and no one has received any letter stating from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A third party check was deposited in my account by my wife. The bank elected to illegally seize all assets and close my account. Now all the funds are in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking to buy a used XXXX XXXX '' XXXX. A typical price on craigslist was $ XXXX {$1200.00}, but I found one that was priced at {$800.00}. It was showed to be in a old and affluent of XXXX XXXX, CA. When I contacted the person, they said that they just moved out to Texas and they they should take the ad down soon. I decided to offer {$750.00} and let them XXXX the computer to me. They agreed and we chatted for a while ; I was trying to establish some sort of rapport. I offered to pay half of the price first. At a number of occasions they appeared to have been ready to back out of the deal. I sent {$370.00} using XXXX. At the time I had heard something about their consumer protection. They were supposed to ship the computer to me the same day, but it didn't happen. I contacted Bank Of America and I just got a response that according to their internal investigation they see no fraud ( claim number XXXX ). Here 's how it all happened : 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 2022-11-19
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Citi Double Cash Credit card online ( 2 % cash back ) around XX/XX/2018. After 2 days I called Citi to inquire about the application. I was told my credit is not a concern but they need to process me through their security. 
I was told they will get in touch in me. On XX/XX/2018 I got a notice of an incomplete application. There were no specifics only a number I should call. So I called Citi. I was put through the security department. I inquired why have you stopped reviewing my application what information did they need from me? The agent asked me what number can I be reached at. I told him the one I am calling from and that this is my cell phone and only number. The agent then asked me is there no other number that I can be reached. I said no and he agreed to call me back in 5 minutes on my cellphone so that he can verify I am who I say I am. Agent did not call back. I called that department again three times during that week and I was given the run around and eventually I was told my application has been declined and that a written notice to explain why had been sent out. On XX/XX/2018 I got the notice of a declined application where they said we couldnt verify the accuracy of the information you provided. I am writing this complaint because Citi handled this item very poorly and unprofessionally. I made myself available and I called the number as asked. The agent did not do anything to try verify the so called information they needed. Citi ran my credit and impact my credit score and they should be held accountable.

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 2018-08-31
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/2018 i called XXXX XXXX XXXX in regards to sending me a letter stating that they sold the account to another lender. The rep from Exeter Finance stated that she could not send me this information and stated that the account is no longer with them, but was sold to XXXX XXXX XXXX and she presented me with the number to call them. I contacted the company XXXX XXXX XXXX on XXXX XXXX requesting for a physical address for the company and the rep stated that she could not give out that information to me. Then i proceed to give the rep the account number that is on my credit reports to see if XXXX XXXX Funds have that account number along with my name/ssn. The rep stated that they do not have anything in their office with that account number, social security number, address or my name. Rep called me back on the same day after speaking with her supervisor stating another company XXXX XXXX has the account and she presented me with the company number. I then contacted XXXX XXXX asking rep about this account, and rep stated that their company doesn't have any information with my name or social security number in their office. XXXX XXXX XXXX sold the account to XXXX XXXX XXXX, which is stated on all three credit bureau reports and stated Paid In Full.This has affected me physically, mentally, and emotionally along with severe health problem. 
I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX or XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Employer : XXXXXXXX XXXX  Date Updated : XX/XX/2016

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 2019-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent three letters to Portfolio Recovery Associates requesting two accounts be removed from my credit report because the debt was not mine. Furthermore if the debt was mine which Portfolio Recovery refused to prove it is beyond the allowed time per section 809 of the FDCPA. Portfolio Recovery did not responded to my request but set repeated letter stating I have a right to request substantiation of the debt, which I did in three separate letters sent via certified return receipt letters. The last four numbers of the account numbers per Portfolio Recovery are as follows : XXXX and XXXX. Portfolio Recovery requested I call or write them and prove the debt accounts are mine in order to resolve the issue. I reminded them that per FDCPA section 809 they must provide written verification of the original debt. They did not respond or remove the incorrect debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-01-09
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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following XXXX included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : 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 2018-11-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/2018 i went to zales to buy a engagment ring for the sales reps was nice but fail to tell me about the hard inquiry and aproved me a amount and advised me to make a purchase worth the amount with the lack of knowledge on how that would effect my credit my score drop 40points XX/XX/2018 XXXX/zales decided to report a missed payment when in fact I did pay.Calls where recorded about experiancing hardship and comfirmed set date for monthly payment and was paid schedule. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points again! totaling over 80 points damaged my score with companies refusing to loan to me as i plan on buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

the information was not requested to be blocked in error or a block was requested by the consumer in error ; also this the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; and before receiving any good and services My information is a result of identity theft before I the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 


PLEASE SEE ATTACHMENTS

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 2022-11-19
Company: EQUIFAX, INC.
State: NY
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hold placed on {$4000.00} check written from a major corporate entity ( XXXX XXXX XXXXXXXX ) FROM A BANK OF AMERICA account

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