BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-17
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive a written document explaining debt from XXXX. Was not notified in order to pay the debt. The account was closed and was not told there was a balance left and was not given the opportunity to settle the debt by phone or letter. 

Found out XX/XX/2017 from a collection agency. Once notified I called XXXX in XX/XX/2017 and asked to settle and pay the debt but was told the debt was already with the XXXX XXXX collection agency. I settled the debt with collections but now have the collection account still on my credit report. I need this removed as I was not given written document allowing me to settle the debt with XXXX. 

Please remove this collection account with XXXX XXXX. The original creditor is XXXX. 

Thank you

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
SENT IN A LETTER VIA PRIORITY MAIL IN ATTEMPT TO REMOVE INQUIRIES THAT RESULT IN THE FORM OF IDENTITY THEFT. THE COMPANIES HAVE FAILED TO RESPOND OR ACKNOWLEDGE MY LETTER AND MY PHONE CALLS TO GET HELP REMOVING THESE INQUIRIES THAT ARE CAUSING ME DENIALS. THIS IS A VIOLATION OF MY RIGHTS PER FCRA. IF THESE ARE NOT REMOVED IN 30 DAYS I WILL PROCEED WITH ARBITRATION AND EXPECT TO BE COMPENSATED

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 2023-09-30
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I tried to call Mohela XXXX  XX/XX/2023 as they have the incorrect payment amount for my student loan. My payment is {$370.00} more than what it should be. My interest on the loans is also going up at the incorrect rate and my subsidy should be covering my interest but Mohela has all of my information incorrect. When I called Mohela I was on hold for 1 hour and 47 minutes before they hung up on me. I have not been able to talk to a live representative whatsoever about this issue. Wait times have been XXXX minutes long everyday and they keep hanging up before even taking a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting 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 2023-08-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Have visited the bank branch 4 or 5 times -thats 5 hours of driving on a two lane road. 
Have been there today, XXXX XXXX to ask manager to do something and she called the bank card division who have repeatedly told my wife and i that " the accounts all have been closed. After the last trip to the bank, we got a statement that doesn't mention the account is closed and in fact, owe the bank {$4.00}. We were told that the last time we were there that we owed to fulfill our obligation on the bank card. 
We then paid a large sum of money to settle any transactions on the bank card. 
It seems the bankcard office doesn't communicate with the Bank of the West branch here in XXXX XXXX. We need to know all our accounts are closed, but no one can tell us that fact. We travel to the XXXX a lot as my wifes ' family are over there. 
I lost count of how many time we've called the bankcard people to tell them we are going overseas and need the card to not be restricted. Numerous times we went to pay and the card was rejected in the XXXX .This is stressful at the least for us traveling.and because of the 7 hour time difference, cant rectify this on a phone. This is sloppy and indicative of an institution that does give a care about its custiomers.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-23
Company: Cedars Business Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last year I received several notifications that my information was exposed in several mass data breaches such as the XXXX data, XXXX data breach, and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.

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 2018-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letters to the company on XX/XX/2018. The company did not follow my request! I asked for my contract or application bearing my signature. Or remove it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have asked for verification multiple times and they continue to park these items on my account and they were previously deleted by experian and re added with proper notification I have stated to them what the congress labeled excluded from a consumer report charge offs and late payments on the list 15 USC 1681 a D2 A1 says that is under the exclusion section. They will not verify any information and after dissputing 3 times with no verification or information regarding the investigations they have actually added 20 months of late payments history making it impossible to get a car or an apartment or a credit card this is ruining my life and they refuse to follow any kind of laws or instructions by me and tell me the law dosnt have any change in there policy

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 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Opened an account for debit card. For minor daughter at Bank of America. Account was set up to decline all in event of not enough funds in account. The bank charged {$70.00} in fees. The bank credited {$35.00} after calling the call center. The bank would not credit the remainder. The call center changed the account with my wife. The new account is {$4.00} a month for a service fee and no {$35.00} service fees for insufficient funds. This is not the account that was opened in XX/XX/2019. The call center said that the {$4.00} monthly fee could be waived by going to local branch in XXXX New Jersey. The original account was for debit card use only. No checks are used for this account. Bank of America charged service fees for an account set up as DECLINE ALL. Bank of America charged fees and did not comply with the overdraft protections by law. My wife was not on the original account. Bank of America changed the account over the telephone and sent new account information through the mail. I find this is unacceptable to change the terms of an account and keep {$35.00}.

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 monetary relief
Consumer complaint received 2022-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
-ID Theft, Fraud -- Please help! 

Dear Sir, My name is XXXX XXXX. I have a BoA CHECKING account ending XXXX. Recently, an auto loan account suddenly emerged under my account. The suspect used the name XXXX XXXX ( different than my name XXXX XXXX XXXX, my home address and made an auto loan for $ XXXX There is nobody in my family or relatives whose name is XXXX XXXX XXXX and there nobody in my family who made this loan Bank of America keeps imposing a fake loan into my bank account : Account name : XXXX XXXX XXXX XXXX XXXX XXXX Edit account name Account XXXX Hide Loan account number Current principal balance : {$57000.00} Original loan amount : {$57000.00} Date of XXXX XXXX months This Loan account does not belong to me, however, after several times of long phone calls, BOA still put this into my account XXXX and continue to send me mails requesting for payment. Very disappointing. Request : BOA please remove this loan from my account. 

Per the mails rec 'd from XXXX XXXX XXXX XXXX XXXX, the Suspect ( XXXX XXXX XXXX also made other fraud theft including : XXXX XXXX XXXX XXXX cell phone lines from XXXX and XXXX for approximately {$100000.00} in total

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 2018-02-20
Company: FRESNO CREDIT BUREAU
State: WA
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: Billing dispute for services

Complaint:
Currently Active Duty Military, while permanent Changing station from XXXX XXXX, to XXXX XXXX, XXXX  I encountered an emergency with my dependent. I departed XXXX, XXXX in XX/XX/2016 and went on leave in transit to report to school in XXXX XXXX. While at school my Daughter and Son got  sick, called XXXX to see if we could take to local doctor to receive medical attention. XXXX approved the authorization for both children in XXXX, XXXX   where my family was staying while in school on official duty orders. When I reported to my permanent duty station in XXXX received bill from medical clinic in XXXX as past due. There was a lot of back and forth from the medical center and my insurance company XXXX, eventually out medical bills were covered and paid by our insurance company. Prior to being fully paid, the medical clinic that we had went to closed its offices and gave our past due account to credit bureau in XXXX, XXXX. Current status of bill was paid by my insurance company. Request to contact company to remove off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 the 15 USC 1681. 

Account Name- XXXX Acct # XXXX XXXX XXXX XXXX Acct name- XXXX Acct # XXXX 15 U.S.C1681 section 602 A. states that I have the right to privacy.

15 U.S.C section 602 A. It states a comsumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reports containing any of the following items of any information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2021-05-22
Company: EQUIFAX, INC.
State: TN
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 am writing to you because I am a victim of Identity Theft. I found items that is not supposed to be in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
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:
The reason I am submitting this complaint is because I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
My capital one credit card was charged on XX/XX/XXXX, by XXXX ( XXXX XXXX XXXX ), for the amount of {$2200.00}, which i did not agree to, for supposed damages to the machine. 
XX/XX/XXXX i was refunded by capital one, and then on XX/XX/XXXX i was charged again because they claim i did not provide sufficient information or evidence. In my responses i noted that XXXX is the one who needs to prove that i damaged the unit and consented to them charging my credit card which they did not provide. I am asking for the full refund, or will be seeking a small claims court litigation to recover the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on my credit report has had a detrimental financial impact in my life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate.

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that my rights as a consumer are upheld in accordance with these legal provisions. It's a federal crime to furnish and report the same or multiply accounts on an alledged debt, this is a violation of 15 USC 1692e - False and misleading.

*** Understand 15 U.S.C 1681 section 604 ensures her that you need written instructions, I have never gave written consent or oral consent 15 U.S. Code 1681a, last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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