BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been fighting an ongoing battle to fix my credit reports and XXXX reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. 

BANK OF AMERICA, review my complaint I made about XXXX regarding you below! 

" The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account Bank of America and XXXX they both fall under same category. I am more concerned with Bank of America as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked XXXX to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW! ''

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 2023-09-02
Company: EQUIFAX, INC.
State: SC
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:
Multiple accounts on my report show closed and written off. Yet they are still reporting negative to credit bureaus. How do you owe money thats written off?? 
Dealing with the bureaucracy and the willingness to hold one down is sickening. But yet we PAY and supply criminals that cross the border with money, phones, health insurance, shelter. Thanks American government and ALL agencies involved. Im a citizen that doesnt mean XXXX XXXX. And Ive never broke the law. 

+++ SEE ATTACHED +++ +++ What happened and why +++

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Servis One, Inc., Titusville, PA Branch
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OWR " Qualified Written Request '' I filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy was a home loan it was reaffirmed at a lesser amount than the original amount of the note. The crammed down balance of the mortgage was not petitioned by the investor to be added to the unsecured debt and was therefore discharged at the confirmation of my plan. Ever since then the investor has asked for this money on my monthly billing statements and listed it on several payoff statements. XXXX in XXXX purchased forced place insurance and created a escrow account while this property was under a Federal Stay. XXXX also violated the Debtors confirmed bankruptcy plan by paying off a tax contract that was part of the plan and trying to collect the tax though an escrow account. This investor has now cost me time and money in in excess of the amount of the mortgage just trying to defend my self and keep my home. I am notifying XXXX XXXX XXXX that I do not owe the investor any money because of damages to my company and my credit due to false reporting. I filed a complaint one year ago XXXX and was ignored and told by XXXX  we do have permission to talk to a third party meaning the CFPB. So I filed another complaint giving them permission. Now being contacted by XXXX want to collect a debt one year later REALLY. XXXX XXXX cover up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX - this company posted to my Credit report. 
I have phoned and tried to locate an email numerous times and have been unsuccessful. 
On XX/XX/XXXX - I sent a letter to verify validity of debit - I have had no response yet this company has been submitting to my credit report twice a month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
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 explanation
Consumer complaint received 2023-10-04
Company: CreditNinja Lending, LLC
State: MI
Product: Credit reporting 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given authorization and/or permission to access my credit profile. Furthermore, you have no permissible purpose by law to contact third parties with my private or personal information. Said violation ( s ) amounts to Aggravated Identity Theft pursuant to Title 18 USC Section 1028A, as you have knowingly transferred, possessed, and/or used, without lawful authority, a means of identifying me, which is a felony punishable by law up to two ( 2 ) years imprisonment, in addition to civil liability. 

By obtaining my XXXX Consumer Credit Report on XX/XX/XXXXXXXX  and XX/XX/XXXX, respectively, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ), codified at Title 15 USC Section 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. Furthermore, I do not have an account, as defined under Title 15 USC Section 1693a ( 2 ) with XXXX of XXXX for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX Balance : {$370.00}.

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 2023-08-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the reporting of closed accounts on my credit report. The accounts in question are attached to the complaint and have been negatively impacting my credit history due to several reported late payments. I believe this reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that under the FCRA, credit bureaus are required to report only accurate and verifiable information. In light of this, I have conducted a thorough review of my credit history and have gathered supporting evidence that demonstrates the inaccuracies in the reporting of this account. 

Firstly, I would like to highlight that the accounts in question have been closed since XXXX. As a result, no further activity has occurred since that time, making the reporting of late payments after the closure date highly questionable. 

Additionally, I have diligently maintained timely payments on all my other accounts, clearly demonstrating my responsible financial behavior. This account 's inaccurate reporting is unjustly damaging my creditworthiness, which could have serious implications for my ability to obtain credit in the future. 

I kindly request that you conduct a thorough investigation into the reporting of this account and promptly rectify the inaccuracies. I insist that the account be updated to reflect its closed status and eliminate any references to late payments that occurred after the closure date. 

Furthermore, I would appreciate receiving a written confirmation of the investigation results and any necessary corrections made to my credit report. It is my right under the FCRA to be informed of any actions taken within 30 days of your receipt of this dispute letter.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I received a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2022-12-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: VA
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 request that you take immediate action to investigate and remove this erroneous information from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Diversified Consultants, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX XXXX and I tried repeatedly to get them to discontinue the service, I told them I no longer wanted it. I returned the equipment and I continued to get billed. I called to dispute the charges and I was told that there was nothing I could do because it had be referred to collection so just wait for them to contact you. When they finally did contact me they referred me back to XXXX XXXX who is now XXXX. When talking to XXXX  I explained the issue it was they investigated it and found that I was correct that I didnt owe the {$320.00} in which they had reported to collections and had been disputing, it was corrected to the amount of {$48.00} that I had been disputing. I made the payment for the {$48.00} that I did owe once they had it correct in the system. I am disputing this collection beginning added to my credit report and not being removed once the creditor and collection agency saw that it was incorrect which is a misrepresentation of facts as well as slander.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Professional Collectors Corp.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like professional collector corporation to show me what documents that I signed that there is interest or late fees for my medical bills. The records they gave me shows no interest and no late charges. I also called XXXXXXXX XXXX XXXX  and was told they dont charge an interest rate or late fees. So I would like to know how they got interest rate on these bills. By law interest cant be charged unless there was one already on it before it went to collections. Once we went to court the judge had put an interest rate at that time. Here is the proof by XXXX XXXX  XXXX  themselves showing there wasnt interest rate. Also why would you pay my bills that were from XXXX? That was not on the ccap. These bills are over 6 years old which makes them too old to be paid. Like I said they are not what you entered into ccap. Also why are the documents that I was served with show XXXX bills and also start in XXXX? Why are the records that was entered for you entered into ccap show XXXX? By looking at the paperwork from XXXX XXXX XXXX  it doesnt show any interest or late fees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a text from USAA concerning fraud on my debit card. A couple of charges were for XXXX and of course I did not authorize any charges of XXXX. USAA never informed me they turned off my card even when I was on the phone with them. Great customer service. Now I am having any charges and automatic payments failing. I called them and keep having to push several buttons and end up in the wrong departments. The people running USAA claim they are for veterans. I see no indication of this and they are a bunch of idiots.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: NY
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:
The payment history states I was late making a payment in XX/XX/XXXX. I made the payment on time called 9+ times to the creditor directly, spoke to XX/XX/XXXX and got it corrected only for it to revert back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was incarcerated from XX/XX/22 to XX/XX/22 And Ive been a victim of fraud, I didnt open this account. Someone opened it with my credentials.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX  XXXX Balance : {$23000.00}, XXXX  XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX**** Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},

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