BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-21
Company: EQUIFAX, 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:
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 XXXXXXXX # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: MI
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:
I Have filed a dispute before and it came back verified. it can't be verified it was removed from XXXX XXXX report. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Please remove this bankruptcy case from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Williams & Fudge, Inc
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The balance of {$90.00} on my XXXX account was supposed to be credited in full before I cancelled service and switched cable providers. Instead of crediting the account the balance accrued charges in increased to the amount of {$250.00} instead being credited to XXXX. 
I recently received notification that a company called Williams and Fudge opened a collections account with XXXX but I do NOT owe XXXX or this sham of a company anything. 
They fraudulently opened a collections account without ever contacting me or sending any type of correspondence. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
XXXX, XXXX AND EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THTA NOT MINE AND THEY REFUSE TO DELETE. 

I demand the followingBE deleted immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in erR Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS 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 explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: SC
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  Accounts, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/ I attempted to make a payment total of {$320.00}. The payment was received and reversed on the same date without notice. No payment was made and no notification was sent that my email that the payment reversed. On XX/XX/ I checked in on my payment status and noticed my XX/XX/ payment wasnt completed. On XX/XX/ I attempted to make an {$640.00} payment, again the payment Was received and reversed on the same date without notice. The process is setting me back on payments while they continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a while but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. This happened after I was switching my name from XXXX to XXXX. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXX/XX/XXXX has violated my rights. 

Below here are the accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 


15 U.S.C 1681 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 make 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 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.

Delete account immediately.

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Here are the following inquiries XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. s Below here are the accounts XXXX XXXX XXXX XXXXXXXX, has violated myrights. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 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 make 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 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. Delete account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
First National Bank Of Omaha mis applied a {$6000.00} payment on XXXX that was applied to low interest balance instead of towards purchases that accrued on XXXX of {$16000.00} This reduced the balance of low interest portion owned instead of reducing high interest purchase portion

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 2022-02-17
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home, and the first mortgage payment was due on XX/XX/XXXX. Our escrow documents and loan officer gave us the company to which the payment was to be made : XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX transferred the servicing to a new company : Amerihome Mortgage ( Amerihome ). 

The loan balance at the time of the refinance was {$690000.00}. After the first payment, the principal balance decreased to {$680000.00}. Amerihome showed no evidence of the first payment made on XX/XX/XXXX to XXXX, so I made an additional payment on XX/XX/XXXX so that our mortgage wouldn't appear to be late. Each month since then, I have continued to make our mortgage payment because Amerihome has not yet reflected the original payment. 

I have contacted both companies, and XXXX provided an accounting showing that the balance that was transferred to Amerihome reflects the original payment. Despite multiple calls, faxes, and letters to Amerihome, there has been no credit to our account for the original payment made on XX/XX/XXXX. 

I sent a fax to Amerihome 's research department but I do not know the date of this fax. I sent a letter on XX/XX/XXXX, to both Amerihome and XXXX. XXXX followed up with a letter explaining the accounting and sent me the documents via email. I sent a follow up letter to Amerihome on XX/XX/XXXX, with all of the documentation from XXXX as well. I have not received any written responses from Amerihome for my inquiries. When I call Amerihome, they assure me that the matter will be resolved, and it never has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Infinity Capital Group
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
well around XX/XX/2021 i went to XXXX XXXX  to provide my identification to open up a personal banking account. in the middle of the time being with the banker / accountant which name is XXXX XXXX. whose personal number is XXXX XXXX XXXX please contact him for verification he gave me his business card i am using his number for proof if needed. i basically got denied and im trying to apply for things and i took a survey and find out that i have 1 loan in my name which makes sense because people have been sending mail and ive been getting phone calls about being a car own when in reality ive never had any cars in my name. i have lost my wallet with my ID and social security. i have only reported it stolen once. im a trying to figure whats going on i need to find and get to the bottom of this because my lively hood is at stack due to identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reviewed my Consumer Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information the best of their ability with Maximum accuracy. I have never been late on payments for the account : 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 2023-02-04
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted in past in writing about this debt. They are INACCURATELY REPORTING and it is a VIOLATION of my consumer rights. I called XXXX and my first date of delinquency dated back to XXXX. Which is TEN YEARS AGO. You can only resort for SEVEN years from first date of delinquency with ORIGINAL CREDITOR. Per my reports they claim XXXX which is FRAUD! They cant change the date. 
I wrote them letters to PROVE my first delinquency was XXXX to NO RESPONSE. If they are claiming this as true, PROVE IT. Its not true and they know it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX Capital one sent me the following email " XXXX, Were closing your Savor account ending in XXXX because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Your account will be closed on or after XX/XX/2019. If you have a rewards balance at that time, it will be issued to you in the form of a check or a statement credit. '' The email stated that my account will be closed XX/XX/XXXX and that all my rewards up until that date will be credited to me. Capital one LIED in this email. My account was not closed on XX/XX/XXXX capital one decided to close my account XX/XX/XXXX so there email to me was a total LIE. Furthermore I had {$35.00} in completed cashback and {$130.00} in pending cashback on XX/XX/XXXX when Capital One decided to close my account 30 days before the date there email said they would be closing my account. I am owed {$170.00} in cashback rewards. Please send me my {$170.00} in cashback I am owed immediately ASAP or I will be taking this matter to the courts. 

Furthermore Capital one advertises this credit card as " Earn unlimited 4 % cash back on dining and entertainment '' but its not really unlimited. There advertising is false. If you purchase to many items in there " unlimited '' category they will close your account. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 i paid XXXX XXXX {$100.00} with check # XXXX. The check was deposited by XXXX XXXX on XX/XX/2019. ( I have the bank document to prove this ). 
On XX/XX/2019 i get a collection notice from Receivables Management Systems stating i owe them : Creditor : XXXX XXXX  {$0.00}, Interest : {$2.00} and Collection Fee : {$40.00} for a total of {$42.00}. I do not understand how they can collect a collection fee with interest when I owe nothing to the Creditor XXXX XXXX because they were paid in full on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i refinanced my home in XXXX XXXX the original lender paid my winter tax bill of XXXX.

my loan was sold to freedom mortagage, who also paid my winter taxes of XXXX. this caused me to have a negative escrow balance an escrow analysis that i was made aware of stated that i needed to pay an additional {$1000.00} to cover the shortage. 

escrow analysis showed that my summer and winter tax bills will both be paid in XXXX, which would cause a negative balance for part of the year. this is not correct. 

at the end of the year, after both tax payments and insurance, my escrow would still have a postive balance of {$560.00}, per their analysis. 

if my analysis considered correct payment of my taxes, the account would never be negative. 

i contacted freedom mortage on XX/XX/XXXX at XXXX XXXX. they indicated that the escrow analysis did not consider the incorrect payment of the winter taxes, and that they would reanalyze it considering the refunded {$1400.00}. they indicated that i would be notified when this was completed. as of this complaint, i have not received any notice from freedom mortgage. 

i again called freedom mortage on XX/XX/20. customer service failed to explain to me why i was requested to pay an additional {$1000.00} despite no substantial changes in amount due and transferred me to the tax department. tax department was not able to assist and transferred me back to customer service after more than 60 minutes already invested into the call.

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 2020-03-18
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Jpmc is stealing my home after they broke the contract more than 30 times plz read the pdf 's 1st is the Whole story then the ledger as well as 3rd is evidence of the crimes they made errors then god mean and deliberately pyramided late fees.

Company response to consumer: Closed with explanation