BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-01-30
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: Information belongs to someone else

Complaint:
This is my numerous request that you delete this inaccurate information. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-23
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX card sent me a letter stating i owed them money up in till they sent me the letter i have never even heard of XXXX XXXX XXXX call and told them i have never had nor do i wont one of there cards the account was sold to XXXX XXXX i have asked them for validation more than once and nothing from them ( XXXX  XXXX XXXX ) now onXX/XX/2019 i get a letter from resurgent capital services in XXXX MI that they bought the debit from XXXX i sent a validation letter out to them the same day mind you XXXX XXXX XXXX and XXXX XXXX and now resurgent capital services are all 3 are reporting on my credit report as owning the debit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im a victim of identity theft. I have fraudulent accounts on my credit report. I have disputed and provided all the credit bureau with all the necessary documents they needed. They all responded back saying that the fraudulent accounts were verified with no proof. Please delete all these accounts immediately. 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness.

Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information.

Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations.

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 2023-10-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am receiving information on MY loan solely through disputes & credit reports. XXXX refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.

Company response to consumer: In progress
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To start with, this is not my first attempt at resolving this particular issue. My credit score was updated on XX/XX/2023 to reflect a balance of {$390.00} from XXXX XXXX bank, which was false and illegal. Despite having a balance of {$0.00}, XXXX falsely generated this amount, resulting in a XXXX drop in my score. The creditor had not yet reported my account for the current statement period, and confirmed that my balance was {$0.00}. Despite this, XXXX claimed that the amount was reported. Although an investigation was opened, my score did not return to its original value, and the false remark was not removed from my credit report.

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 2020-10-19
Company: EQUIFAX, INC.
State: KS
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 have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to XXXX  and XXXX  and they have not updated equifax since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification that a debt was owed from a rental company. The email was received XX/XX/2023 and I receive additional documentation on XX/XX/2023. The statement of balance owed reflects an amount of {$1800.00}. I contacted Hunter Warfield and advised that I had a security deposit of {$1200.00} that is not showing as applied to current balance. The statement of a balance owed goes from the date of XXXX. I requested that the deposit be applied to the balance and this be revised to reflect the correct amount owed. Today XX/XX/2023 I receive a call stating I originally owed {$3900.00} and that the security deposit was subtracted already so the balance of {$1800.00} is correct. This is fraudulent because why isnt this shown anywhere on the statement of balance owed to begin with. I want this company investigated. Along with the company XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continually calls my job 3-4 times a day if Im not reached by phone. Asked to stop calling my phone and job as I do not want to lose my job due to excessive calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
To Whom It May Concern, I am writing to formally lodge a complaint against NTL RECOVERY AGENCY, a debt collection entity operating at XXXX XXXX XXXX XXXX XXXX XXXX I have been subjected to what I believe are unlawful debt collection practices that are causing severe financial and emotional distress. I kindly request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate and address this matter promptly. 

I was contacted by representatives of NTL RECOVERY AGENCY who claimed that I owed a debt that they had acquired from a third party. During our conversation, it became apparent that the debt collector had purchased this alleged debt without any valid legal basis and proceeded to report it to the credit bureau. I attempted to seek clarification regarding the origin and legitimacy of the debt, to which I was met with coercive tactics and threats to my credit score. 

The debt collector 's representative asserted that regardless of my protests of innocence and the lack of supporting evidence, they possessed the means to negatively impact my credit score irreparably unless I complied with their demands to settle the debt. In an alarming admission, they revealed that they had reported the debt as a " other debt collection '' rather than accurately categorizing it as a medical debt. This intentional misrepresentation was purportedly aimed at maximizing the negative impact on my credit score, with the evident objective of pressuring me into compliance. 

It is important to note that I have undergone significant hardships, including the aftermath of flooding in XXXX  and the subsequent challenges posed by the ongoing pandemic. As I endeavor to rebuild my life and secure housing, my credit score is of paramount importance. Regrettably, NTL RECOVERY AGENCY appears to be exploiting my vulnerabilities to their advantage, demonstrating a disregard for ethical debt collection practices and consumer rights. 

In light of the aforementioned, I implore the Consumer Financial Protection Bureau to take immediate action to investigate the activities of NTL RECOVERY AGENCY and hold them accountable for their unlawful and coercive debt collection practices. I am seeking remedies that will not only halt any further damage to my credit score but also prevent similar misconduct against other vulnerable individuals. 

I kindly request that you consider this formal complaint and take the necessary steps to ensure a fair and just resolution. I am prepared to provide any additional documentation or information required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a swift and favorable 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 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi Im having problems with capital one bank so I had an issue with an charge that was charged to my account and captain one send me a refund and then at the same time they withdraw the money from my account that made my account negative balance and they want me to pay a balance that they made my account negative and they still keep calling me and harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Im trying to inquire if I qualify for the Wells Fargo lawsuit. I had a mortgage with them from XXXX to XXXX and I want to know if I am owed part of the settlement.

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 2022-05-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for earning money from those earning apps like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used it to make a trade in tirlu.com. My PayPal account is XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Basically, I finance a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2023-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Around the end of XXXX first part of XXXX I recieved a card from Bank America. I called up and informed the lady that I changed my mine and did not want the card that I did not activate it that I cut it up. She said no problem as long as I did not activate it. On XX/XX/XXXX I talked with person from fraud department Name of XXXX explained what had happened and I was being charge {$2800.00}. He said the account was closed. On XX/XX/XXXX talked to XXXX he said the same thing. I ask him then why am I being charged for a service I never authorized. He said the account is under review and closed. On XX/XX/XXXX talked to XXXX she said she would reopen the claim under a different type. On XX/XX/XXXX got a statement from Bank America showing two different accounts which I never requested. One says account ending in XXXX closed new account XXXX saying I owe {$2800.00} which I have no idea where that account came from. I keep telling them to check the phone recordings and it will tell the whole story from day 1. Which they are not doing or I would not be in this.

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 2023-07-12
Company: HW Holding, Inc
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:
I am not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX Account Number XXXX {$7000.00} XXXX XXXX Account Number XXXX {$3800.00} XXXX XXXX Account Number XXXX {$2900.00} XXXX XXXX Account Number XXXX {$3200.00} XXXX XXXX Account Numbers XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

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 2022-12-03
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The XXXX XXXX XXXXXXXX XXXX XXXX  I have called XXXX  times since XX/XX/2022. XXXX XXXX switched banks in XX/XX/2022 and as a result they removed my autopay which I had always used. When I realized it I immediately paid the bill in full on XX/XX/XXXXXXXX XXXX. XXXX XXXX XXXX said they would remove interest and late fee. I had called on XX/XX/XXXX, XX/XX/XXXX. Each time told fees and interest would be removed. Called today, XX/XX/2022 spoke to XXXX XXXX XXXX XXXX XXXX 

XXXX stated that the XXXX XXXX error is because they credited the old account ending in XXXX not the new one ending in XXXX. As a result of XXXX XXXXXXXX 's error, I have received XXXX  phone calls early in the morning and late in the evening for XXXX in which no one wanted to help me they only wanted me to pay the bill which was made up of only late fees and interest.. 

My XXXX XXXX with all XXXX agencies has gone down over XXXX points. 
I have had to make countless calls to XXXX XXXX and have spent over XXXX XXXX on the phone. Presently, I have been on the phone over XXXX XXXX XXXX XXXX with XXXX XXXX. 

I need IMMEDATELY FOR XXXX XXXX TO CONTACT THE XXXX XXXX  and remove their errors XXXX. I AM TOLD I HAVE TO WAIT UNTI XX/XX/XXXX for XXXX XXXX TO contact the XXXX XXXX. I WANT MY CREDIT REPORT UPDATED XXXX. I SHOULD NOT HAVE TO WAIT. THEY ARE RUINING MY CREDIT BECAUSE OF THEIR MULTIPLE ERRORS. I WANT MY XXXX XXXX RETURNED TO MY SCORE PRIOR TO OLD XXXX NOT FIXING THIS AND ALLOWING MY XXXX XXXX TO BE AFFECTED!

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 2021-11-29
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 information incorrect

Complaint:
A debt has been reported to credit bureau XXXX as a collection for the amount of XXXX XXXX. However this amount has been paid in full today XX/XX/28 ( XXXX XXXX dollars ). I need for XXXX to remove this from my credit report since its impacting me badly. 

Also, I need to make Transunion and XXXX aware because I believe this will be reported as well at some point.

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