BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, EQUIFAX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : Since XXXX XXXX XXXX XXXX XXXX XXXX ) a government organization has been contributing {$79.00} every XXXX weeks, which is XXXX a month to my Home Equity Line of Credit Account. 

Those payments from XXXX have not been accredited to my account for payment. I told them their payments sent to M & T bank are not being accredited to my account, so where are the funds/payments? 

In addition, M & T bank has also been receiving monthly payments from me, and month after month my Home Equity line of credit account balance remains the same, even though, technically they been receiving XXXX payments every month for a year to the account ending in XXXX. Ive been making payments on my Home Equity Line of Credit account for almost XXXX years, and my balance owed remains the same. I dont believe any of my payments in last XXXX years have ever been accredited to my account. 

These payments were made my Home Equity Line of Credit account to M & T bank ending in XXXX : XXXX XXXX XXXX XXXX  Cashed in the of amount - {$1900.00} XXXX  Online Payment XXXX To M & T Home Equity - {$170.00} XXXX Online Payment XXXX To M & T XXXX XXXX - {$170.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$210.00} XX/XX/XXXX Online Payment XXXX To M & T XXXX XXXX - {$200.00} I also have proof of other unscrupulous practices, such as, demanding that I pay them extra payments on my account that was up to date in payments which as unwarranted ; demanding payments and wanting me to notarize a supposedly official documents sent by someone with no last name ( i.e., XXXX XXXX XXXX ; this went on for months. 

I would appreciate your help with this matter. 

Thank you, 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 2022-01-31
Company: Bridgecrest Acceptance Corporation
State: GA
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 recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Bridgecrest Credit Company LLC XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 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 ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Bridgecrest ). Making the report is NOT INCLUDED on my consumer report! 
Debtor ( Bridgecrest ) issuing the auto loan is a transaction that is illegally reported on my consumer report by the person ( Bridgecrest ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Bridgecrest HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS. 
You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, 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 2023-08-31
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NM
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:
Latest reporting XX/XX/2022 In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act and the SCRA ACT for military families ; because of the hardship resulting from it the incomplete BILLING ERROR reported on the Equifax CREDIT REPORT by XXXX XXXXXXXX ACCT # XXXX The billing error is Status 30 days past due- ACCOUNT WAS NEVER LATE Status updated XX/XX/2022, Balance {$460.00}, as I DO NOT OWE ANY BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act 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 

15 U.S.C 1681 Section 604 A. States I have rights 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 2022-01-31
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I received a collections letter from XXXX XXXX regarding a bill of {$840.00}. The collection was sent by PayPal, with charges from XX/XX/XXXX and XXXX XXXX. There were XXXX different charges amounting to the {$840.00}. I've only used paypal for small charges and money transfer between friends. I am able to provide a copy of all paypal charges under my account. When I called the collection company they provided an email of XXXX used for the transactions and I have no idea who that is or how they got ahold of my account info. I've reported this to PayPal and they sent me forms to complete to identify the fraud However they responded that the charges were valid. I also reported this to the debt collectors and they are requiring I fill out paperwork as well as file a police report to send in. I am currently doing this process. I have also completed a submission with XXXX  The transactions are as follows - XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$190.00} XX/XX/XXXX for {$250.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$240.00} XX/XX/XXXX for {$140.00} XX/XX/XXXX for {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I made a 0 % balance transfer from XXXX Bank of America credit card of {$16000.00}. I paid a balance transfer fee of {$480.00}. I also use this credit card for daily purchases. On XX/XX/XXXX, there was a {$1.00} interest charge. On XX/XX/XXXX, I first noticed an interest charge of {$.00}. I called BOA and inquired about these interest charges. The customer service representative stated that if I do not pay my full balance of the balance transfer and the purchased charges, then i will be charged interest. This was never explained nor was could I find it clearly spelled out anywhere as part of the balance transfer. Had I known this, I would never had done the balance transfer. I paid off the balance transfer in XXXX of this year. After firmly communicating with the XXXX, he agreed to credit me both of the interest charges. What I explained to him, was that, it made no sense in any case. If I would have had the {$16000.00}, I would not have done a balance transfer. He told me not to use my card once I do a balance transfer. I ended our conversation gracefully. 

I pay all of my current purchases once the charges are cleared to avoid interest charges. 

I was not charged interest for the first 2 months of the balance transfer, so these charges make no sense. 

My concern is not for me in particular, but for those people, that don't have a XXXX and XXXX, like myself. I would venture to say that many people have this issue and don't know it and do not understand it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: CARD Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
back in XXXX there have been charges from XXXX XXXX numerous times filled out their form sent to them by mail 2 days certified and until i believe XXXX the card usually was in my possession but at times was careless leaving in my pants purse i forgot washing machine pockets and never knew who charged XXXX dollars in charges between both of them usually they ask for id but in these cases they did not and also spoke with card .com not responding looked online card closed asked for new one police department said you need solid proof as a picture you just can not accuse i would like my new card and the money returned i have a car for years first a XXXX now XXXX and they ride nice also explained to them as well i could send my registration but that is personal and also my license my phone number is XXXX XXXX XXXX and XXXX is my personal email thank you i need the money back that i did not charge and will be out of till XX/XX/XXXX thank you i no longer use XXXX XXXX XXXX it is now XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent my letters off on XX/XX/2022 stating that my the reports on my credit are invaild and need to be removed no, and I haven't yet to receive any updates on it. I'm just frustrated and aggravating that I have negative reports that are not mines and I'm getting angry just by the fact that it is not only affecting me, but my family also.

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT. 15 USC 1681I ( A ) ( A ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ACCOUNT NAME : XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Consumer Adjustment Company Incorporated
State: FL
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 a victim of identity theft. I have NEVER been contacted by this company, CONSUMER ADJUSTMENT CO. I have no idea who they are or what they are trying to collect. They simply posted inaccurate information, a collection account on my credit report ( s ). They DID NOT follow proper collection practices by contacting me at my current address in writing or provide adequate time for a dispute. I monitor my credit closely and have a long-term freeze with all bureaus. Thus far, a collection account has appeared on both my XXXX and XXXX reports. I was notified via XXXX  and another credit monitoring service from my bank. This collection account has caused my score to drop XXXX points preventing me from obtaining a XXXX credit loan I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by my insurance company that the mortgage company did not pay the insurance even though there is plenty of money in my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Debt Recovery Solutions, LLC
State: TX
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:
I sent a debt validation letter for debt, it has been over 30 days since they received the letter and they have not responded. The letter was sent certified in which I am able to prove they received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}, XXXX  - XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00}, XXXX XXXX ( Original Creditor : COMMUNITY HOUSING DEVELOPMENT ) XXXX Balance : -, XXXX XXXX XXXX ( Original Creditor : CREDIT XXXX BANK XXXX A ) XXXX Balance : {$970.00}, XXXX ( Original Creditor : XXXX REPUBLIC SERVICES XXXX ) XXXX Balance : {$180.00}, XXXX  ( Original Creditor : XXXX THE BANK XXXX MISSOURI ) XXXX Balance : {$810.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-01-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EQUIFAX has broken the law. I did not authorize any of the hard inquiries that I am disputing to access my consumer report. They used false and misleading forms to fraud and swindle me which resulted in adverse action. They deprived me of my right to privacy. Because of my right to privacy has been breached this has caused me XXXX  distress which is a crime pursuant to title 18. EQUIFAX is conspiring with the furnished company in the continuing violation of my constitutional protection rights. 

The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf. 

I have attached identity theft reports, fraud reports and my Identification for these inquiries on my consumer report. 
( Transcript from XXXX XXXX XXXX sent to Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I XXXX TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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