BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account number 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 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 2022-05-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply. 

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, Experian, and XXXX. 



Thanks again for your cooperation, 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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I sent a wire from my Business checking account to a XXXX business checking account for a client. I had previously sent a wire, to the same client, from this account without issue. This was sent on XX/XX/XXXX in the XXXX BOA branch. I went to the bank the next day to check on the wire and they confirmed that it was sent and did not know why it wasnt recieved by my client. I followed up almost daily by phone, email or physically going into the branch. The wire did not go through until XX/XX/XXXX with BOA holding it for being suspicious. I was never contacted or advised on the reason. In fact the manager, XXXX XXXX, pushed me to recall the wire and promised to remove the wire fee, as well as the recall fee, when everything was complete. 
The wire team finally called me on XX/XX/XXXX and released the wire. This was recieved by the client on the XXXX. Which was 20 days after the initial wire transfer. 
I was upset by BOAs service and lack of knowledge on where my money was. However, the true issue is the charges that BOA left on my account. I contacted the manager, XXXX XXXX, to remove fees by phone initially. I was never called back. I sent her several emails which were also not returned. I then went into the branch on XX/XX/XXXX. The business advisor let me know he received my emails but that he was not able to return the fees. It needed manager approval. I asked to speak with XXXX and to remind her I had reached out countless times. She was in the branch, but refused to come speak with me. She advised she was busy checking people in and couldnt leave the front. I asked for the number to file a complaint with BOA and was given an incorrect number. I spent close to theee hours on the phone and was transferred and hung up on 6 times before giving up. I do still have my accounts with BOA but keep business to a minimum. They steal fees and hold funds to collect as much as possible. I am owed over {$45.00} from the incompetence and lack of service provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Complaint ID : XXXX Account : XXXX Notice # 2 To whom it may concern, I reviewed the letter that you have sent me in regards to my dispute and there are some things you did not address. I have provided the errors that are on my account and it seems that you refuse to comply with the Laws that are provided. 

Under the FCRA data providers are to respect consumers ' rights to privacy and in which you are violating this because you are furnishing my personal information to third-party agencies. 

Reports that contain information as to transactions or experiences are to be excluded from consumer reports. 

Also, as I stated before, the name reported is incorrect which is grounds for deletion. As a data furnished, you are to follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

Again, the information you are reporting is inaccurate and I demand that you promptly delete this account from consumer reporting agencies or I will have to file charges for willful noncompliance because this is my second time informing you of the errors and violations as you choose to ignore them. I will also file charges for failing to comply.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be removed in full and removed from all consumer credit reporting agencies, not limited to XXXX, XXXX, and Equifax. 



Thanks again for your cooperation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
WAS CAR SHOPPING AND THE DEALERSHIP SUBMITTED MY CREDIT FILE TO MULTIPLE BANKS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The company Experian has yet to validate a debt that is reporting on my credit report, in spite of documentation that suggests the item being reported 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 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Sometime between XX/XX/XXXX and XX/XX/XXXX there were several Bank Of America accounts opened in my name in North Carolina and Florida. I was living in NY during this time. I contacted Bank Of America as well and they said that they would investigate but I have not heard anything from them.

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 2023-12-05
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: FISERV INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX someone opened a fraudulent account in my name and then on the same day wrote a fraudulent check in the amount of {$33.00} to XXXX services and created a collection notice in my name that included the {$33.00} plus a returned check fee of XXXX I called Bank of XXXX and XXXX the accounts closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have made numerous attempts to resolve this matter for the following reasons : On or about, XX/XX/2020, XXXX XXXX XXXX  issued a new credit card, which they have done every year. The balance owed on the credit card is usually transferred to the new card. There was nothing unusual about the transaction this time. The balance from the old credit card was transferred to the new account ending. 
I continued to pay my monthly bill, as usual, not suspecting that there was a problem. I received no complaints from XXXX XXXX XXXX. I never received a late notice or any notice of impending charge-off. I learned of this charge-off when I checked my credit sometime in XX/XX/2020 in preparation for refinancing my home. XXXX XXXX XXXX, continued to report that I paid my bill as agreed. I have only had one account with XXXX XXXX XXXX. I have written to the collection company in an effort to have the charge-off removed from my credit file. This mistake has cost me the ability to refinance my home as my credit score dropped 35 points. Resurgent sent me their evidence and the evidence that I do not owe the funds charged -off is evident. The transfer of the balance is evident in the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, I notified Capital One that a bill payment submitted on XX/XX/23 for {$420.00} was not received by XXXX. Capital One provided a copy of the check ( XXXX ) dated XXXX payable to XXXX. XXXX reported that the check was sent to the wrong address ( XXXX XXXX XXXX, XXXX ) and was deposited in the wrong account ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) . I filed another dispute with Capital One who declined the claim because their records indicated the payment was processed according to payment instructions I set-up in their XXXX XXXX XXXX . I have submitted three requests for Capital One to provide copies of their evidence indicating I changed the address for XXXX. Capital One continues to deny the claim without providing any proof nor resolution. The bill payment to XXXX was original created by me ( XXXX XXXX XXXX ) over 10 years ago without any changes. Capital One has processed over 120 payments to the same XXXX address without any incident until they upgraded and outsourced their bill pay system this past XXXX It is evident that the conversion resulted in the system defaulting to another address that XXXX uses for other cities, outside the XXXX area. The address change appears to be a system error related to Capital One 's conversion or internal fraud among their representatives. Capital One has security in place that sends an email notice when address changes are completed by customers, in bill pay. If I changed the address Capital One should be able to provide a copy of their system generated email notice. Since I did not change the address, I know Capital One does not have any proof, of such. In spite of 3 requests for Capital one to prove I changed the address ; they just continue declining my claims. All of my communication for the past month, have been with Capital One 's Call Center ( XXXX ) and an unmonitored email box ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
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 tried numerous of time trying to get XXXX, Experian and XXXX to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX XXXX report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: OK
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I APPLIED FOR A CAR LOAN AND THE DEALERSHIP SENT MY INFO TO MANY BANKS I WAS TRYING TO REFINANCE MY HOME FOR A LOWER RATE/PAYMENT AND THEY SENT MY INFO TO ALL THESE BANKS. 

BELOW ARE ALL THE INQUIRES LISTED ON MY XXXX CREDIT. 

XXXX INFORMATIVE RESEARCH XXXX  FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-01
Company: EQUIFAX, INC.
State: PR
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 act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: BARCLAYS BANK DELAWARE
State: MA
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:
REFERENCE : Barclays Credit Card Case ID : XXXX In XXXX XXXX, I was sent a replacement blouse after contacting the merchant XXXX XXXX XXXX ) and returning the first blouse due to an incorrect size being sent to me. The second blouse was sent to me DEFECTIVE. The package was ripped open and the blouse was badly damaged inside the package. I again reached out to XXXX XXXX Customer Service on XX/XX/2021 and they supplied a return label and told me return the item for a full refund as the item was now sold out. I did this. I used their provided label and returned it via XXXX, tracking number XXXXXXXXXXX This information will all be shown on the screenshot from their website, which is attached. The package was RECEIVED by the merchant on XX/XX/2021. I have been waiting for a credit ever since. I made several calls to the merchant looking for my credit. What I was told every time was that they could not find the package to process the refund, so that was why it was pending. They would also tell me they were backed up processing returns. I filed a dispute with Barclays. The merchant then claimed to Barclays that this item was a final sale -- which is a bogus argument. First and foremost, they took the first blouse back as they had made an error and that is noted on the order page they sent to Barclays which I can also provide. Secondly, the replacement blouse does NOT say final sale, and the merchant provided the return label for me to return it. Lastly the blouse was DEFECTIVE. By sending me a DEFECTIVE blouse, they violated an implied warranty. Specifically, the implied warranty of merchantability and the implied warranty of fitness. Lastly, the merchant still has this blouse. They have never returned it to me. Barclays denied my case. I appealed it. I received a letter today stating that my appeal was denied because " Insufficient proof that the merchant has violated the invoice/contract terms and conditions ''. I have NO ITEM! Prior to returning with MERCHANTS PERMISSION AND LABEL AND PROMISE OF A REFUND I had been sent a badly damaged item which is NOT what I ordered. How is this not a violation of all Invoice contract terms and conditions? Please help me with 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 2020-06-11
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a dispute on XX/XX/2020 to two of the credit bureaus about inaccuracies on my credit report. It should on one report account open and on another the account was closed which is inaccurate information. I also show that the collection agency XXXX was report for the creditor XXXX XXXX XXXX now that I have filed a dispute the creditor has changed from XXXX to XXXX XXXX XXXX XXXX because it was reporting in accurate information on my credit file. I dont think this is right as a consumer you have the right to file a dispute on inaccurate information and it should be be deleted once the dispute was looked at I have proof that the creditor was using a collection agency but not the information has changed this is inaccurate and should be removed from my credit report. See attachment of the information I am claiming to be factual.

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 2021-07-02
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have attempted to dispute erroneous accounts with the credit bureaus but have received zero responses from Equifax, XXXX, and XXXX Under the Fair Credit Reporting Act, lack of response to serious disputes is a violation and the accounts listed in the disputes should be removed off of the credit reports. I have attached the most recent letters sent.

Company response to consumer: Closed with explanation