BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
On XX/XX/2018 I made a purchase of {$360.00} for some home flooring. The product was purchased from XXXX XXXX XXXX XXXX  ( on the credit card bill the charge appears under the name XXXX XXXX XXXX ) and I used my Bank of America credit card to make the transaction. The company ended up not having the product that I initially purchased so nothing was shipped to my home, therefore I cancelled the transaction/order with the company. The company would not reimburse me my funds and they advised me to call my credit card company to seek a reimbursement of the transaction. I called Bank of America credit card on XX/XX/18 to dispute the transaction. Bank of America informed me that they were going to investigate the situation and that I did not need to submit any documentation unless requested. They said that based on what occurred that they did not expect their to be problems with getting the transaction reimbursed. On XX/XX/18 I received a letter from Bank of America stating that I needed to submit supporting documentation for my claim by XX/XX/18 otherwise my dispute would be closed against me. Bank of Americas letter is datedXX/XX/18 and the post mark on the envelope for the letter is XX/XX/18. I did not receive the letter at my home until XX/XX/18 ( there was a long XXXX XXXX   weekend where the US mail did not operate ). It was impossible for me to respond to Bank of America because their request arrived at my home after their deadline. Immediately I spoke to Bank of America and informed them that their letter arrived late and I faxed them all of their requested documents and a copy of their envelope with the postmark of XX/XX/18. Bank of America sent me a letter stating that my dispute is closed because they did not receive the documentation on time. I called Bank of America again and they said they were not reopening the case because the documents did not arrive on time. I told them it was impossible for me to respond on time because their letter request arrived after their deadline. At this point Bank of America has refused to provide with further assistance and what they did in not providing me with sufficient time to respond to their request is truly and injustice and an abusive practice. I am attaching a copy of Bank of Americas letter, their post marked envelope, Bank of Americas billing statement, and a copy of the receipt from XXXX XXXX XXXX XXXX showing that they acknowledged that the transaction was cancelled and the product was never received by me. Thank you for your assistance.

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 monetary relief
Consumer complaint received 2023-10-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I thought I lost XXXX checks XXXX to XXXX for XXXX and XXXX XXXX for XXXX The banker put stop payments on the wrong acct!! He used my sons acct who doesnt have enough money and now double payments were taken out of my checking The banker now left me broke XXXX when Ive never had a financial issue and sent bills out that will bounce!!! 
Unacceptable and this is not my fault and my credit can now be affected I cant go food shopping as there is limited money or get gas This is absolutely wrong and something should be fine to get my money back so XXXX can eat How dare they do 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 explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax verified the debt with XXXX as accurate and correct. On XX/XX/23 So I re-opened the dispute requesting proof of validation per law 15USC 1681 iii. XXXX they responded dispute complete # XXXX but did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: DISCOVER BANK
State: GA
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:
discover repeatedly violates my congressional and legal right to opt out credit reporting and continues to share my private/non public and personal transactions and experiences WITHOUT my written consent to non-affialated 3rd parties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX of XXXX Portfolio Recovery Associates harassed me at all hours in attempt to collect an alleged credit card debt I owed. I asked them to verify the debt for over a year and they just sent me a print out of a statement alleging I owed {$1100.00}. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XXXX XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report more derogatory information on my credit reports such as reporting false account numbers and 120 day Iate payments. Given that PRA was acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit on XXXX XXXX, XXXX against PRA seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). We are set to appear at my local court house on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of 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 non-monetary relief
Consumer complaint received 2023-07-13
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX  Account XXXX XXXX ; XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX  Account # XXXX ; XXXX XXXX  Account # XXXX ; XXXX  XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  XXXX  XXXX Account # XXXX ; XXXX XXXX XXXX  Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
During XXXX, I received a PPP loan online from Capital One. I have been paying on time each month. 
I now understand the loan is forgivable if I fill out the right form 3508S. On Capital One 's website it says Paycheck Protection Program ( PPP ) Loan Forgiveness Were accepting 3508S, 3508EZ and 3508 loan forgiveness applications for First and Second Draw Paycheck Protection Program ( PPP ) loans until their maturation dates. 

https : //www.capitalone.com/updates/coronavirus/small-businesses/ To fill out form 3508S I need a copy of my loan documents. I called and requested a copy, but they told me I have to call the XXXX. This didn't match any other information, including their own website, but I called the XXXX as instructed by Capital One. 

The XXXX told me I have to get these documents from the lender, and then submit the form to the lender. The was consistent with what I've read on both the Capital One and XXXX websites. 

I would like Capital One to provide me with a copy of my loan documents, and accept and process my forgiveness application. 

Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-11-01
Company: Experian Information Solutions Inc.
State: PA
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 reported me as a delinquent debtor on my credit reports in XX/XX/XXXX without ever contacting me to inquire about the ( erroneous ) debt of {$430.00} They got the collection assignment from XXXX for service to a residence in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( account XXXX ). I have lived in XXXX XXXX, Pennsylvania since XX/XX/XXXX! This account was fraudulently put in my name. When I contacted XXXX this past spring to inform them that the debt wasn't mine they refused to remove the bad debt report from my credit record and said I would have to take it up with XXXX without providing any information about the XXXX account. I, again, called XXXX in XXXX of this year and insisted that they research the bad debt. They gave me a XXXX phone number and XXXX gave me an account number. I, then, filed a fraud report with XXXX but purposely left off my Social Security number ( which they really don't need to resolve this issue as they had the account number, my PA driver 's license, my address and my phone number ). XXXX called to say they would not process my fraud claim without a full SS #. I offered to give it to them over the phone. They refused, and said I could fax it to them. My fax doesn't work, so I mailed it to them. They then refused to process it bc it wasn't on their " fraud form ''. I have resubmitted a complete fraud form by registered mail to XXXX but it is clear to me all their privaricating is simply to delay processing my fraud claim and their data collection is solely meant to get my current personal information so their collection agency can harass me. This was proven out because XXXX, who had never sent me a single piece of mail in the interim four years, immediately sent me a collection notice. How is it legal for a collection agency to defame one 's credit rating to a credit rating agency without EVER contacting a person for collection or to determine whether the claim is, in fact, genuine? And how can XXXX claim I owe them money when I haven't had their service since I moved to PA in XX/XX/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 2023-10-28
Company: Experian Information Solutions Inc.
State: TN
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:
Account # : XXXX XXXX XXXX XXXX Opened XXXX XXXX I received approval for Arkansas rental assistance on this full balance of {$2800.00} on XX/XX/XXXX. This check was mailed directly to a landlord ( XXXX ) who quit shortly after/left this company on bad terms!! On XX/XX/XXXX The next landlord accused me of stealing an oven ( which was a false accusation ) and then magically my rental account all of a sudden ended up in collections THE SAME MONTH after arguing with the second property manager about property she falsely accused me of stealing! WHY did 2 months pass before I was sent to collections?? IF this was a proper collection-the landland originally handling my eviction process would have turned me in. This is company retaliation and illegal to open a collection account against me when I have confirmation that this company did in fact receive a check for the full amount owed! I have attached PROOF with my relief confirmation letter! I also attached the proof of this landlord falsely accusing me of theft of property via email and threatening to have me arrested!! She obviously opened a collection account the same month as our negative email exchange!

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 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-10-10
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have made my XXXX, XXXX XXXX payment to XXXX. they sold my loan to AMerhome and then my paymeny was reverse. so i had to make another payment for XXXX after making numrious calls to XXXX and XXXX. the ladytold to make a payment so that i would incurrr any late fees etc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-29
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: 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 XXXX XXXX Account number : XXXX, Account name : XXXX XXXX, Account XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX & XXXX XXXX XXXX XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX, account number : XXXX Account name : XXXX, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX note : credit bureaus won't give me full account numbers of the above accounts 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 an 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 2023-07-13
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
To Whom It May Concern, I had an overdue medical bill from date of service XX/XX/XXXX  with   XXXX   XXXX   XXXX   in the amount of {$1300.00}. Due to financial hardship the bill was turned over to   XXXX   XXXX   XXXX   XX/XX/XXXX  and they aggressively pursued debt collection attempts. I had no way to pay them so it then went to   XXXX   XXXX   Judicial District Court on  XX/XX/XXXX  and a hearing date was set for XX/XX/XXXX for conciliation hearing. I was notified, by mail, of a judgement entered for  XX/XX/XXXX . My place of employment at the time was mailed the garnishment information on  XX/XX/XXXX  and withholding of wages was to start  XX/XX/XXXX .
I called and spoke with   XXXX   XXXX   with   XXXX   XXXX   at  XXXX  and made payment arrangements for two check installments of {$780.00} for  XX/XX/XXXX  and  XX/XX/XXXX . I have proof of one check being deposited by anchor bank   XXXX   trust account   XXXX   on  XX/XX/XXXX  but can not provide a copy of the check on  XX/XX/XXXX  due to my bank records online only going back 15 months.
My issue is that I am trying to sell my house and their is a lien on my title and an unsatisfied judgement on my credit record due to this debt. It was paid in full and when I call the phone number   XXXX   or   XXXX     XXXX   XXXX   XXXX   it either plays a continuous busy signal or a recording says " all circuits are busy ''. My closing date is in a week and I need this cleared up. Please help in any way you can.

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