BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. 

As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXX, XXXX. After sending my information to the credit bureaus on the XXXX of 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from Bank of America dated XX/XX/2023 asking for my details to be verified and updated, and that I had until XX/XX/2023 to provide this information. The document was faxed into BofA on XX/XX/2023. 

A further letter from Bank of America dated XX/XX/2023 simply stated all my accounts with BofA would be closed. No explanation was provided. I received a separate letter from Merrill Lynch stating the same thing, my account was being closed and no details were provided why. 

I called Bank of America on XX/XX/2023 and spoke with XXXX. She said she was not obligated to provide a reason for closing my account. Bank of America did not want to serve 'my banking needs '. I asked to speak with a supervisor, XXXX, who essentially stated the same thing.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and Experian are reporting XXXX  on my credit report. The account is inaccurate and needs to be removed immediately.

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 2023-12-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the attached documents. Initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reported as late.

Company response to consumer: In progress
Consumer complaint received 2023-03-27
Company: HW Holding, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company Hunter Warfield Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *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. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the XXXX system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was a returning customer so I decided to take out a new loan they wont even allow my application to go further, just denied immediately

Company response to consumer: Untimely response
Consumer complaint received 2023-10-03
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can not get a hold of XXXX. I have graduate student loans serviced by this company and called them since XXXX today. They had stated that the wait time would be about XXXX minutes. It is now currently XXXX and I am still listening to the elevator music. I have been dealing with this issue for almost a month now. Wait times are absurdly inaccurate and they hardly ever call back. 
I am attempting to consolidate my loans with my XXXX loans ( serviced by a company way better equipped than XXXX ) and need confirmation by XXXX before XX/XX/XXXX. I had been seeking advice and consulting with XXXX, XXXX, and my other XXXX loan servicer since mid XXXX. XXXX never notified me that they were unprepared for a consolidation of my loans. It appears to be a simple matter but I simply can not get in touch with XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-09-30
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called Ed financial 6 times to try and payoff my student loans. Each time I call its a 500 minute wait. I have called and left a callback number however no one reaches back out. They moved the first payment day up to XX/XX/28 without notifying me from XX/XX/28. 
I ended up paying the entirety of my loan following their instructions on their website however they changed the owed amount after payment. The funds have also been taken from my bank account.

Company response to consumer: In progress
Consumer complaint received 2023-11-24
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am writing to formally report retaliation by Columbia Debt Recovery aka Genesis Credit Management in response to my initial complaint filed against them. It appears that they have manipulated my credit balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. 

Attached, please find supporting documents for your reference. 

Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by Columbia Debt Recovery aka Genesis Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX notice some unauthorized inquiries appearing on my credit report. I have listed support and documents below. 

I did not authorize this inquiry XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX have some accounts showing on my credit report I have attached supporting documents delete account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have numerous requested over and over same product to be either placed in deferment or fir with deferment as I am currently awaiting my ssdi and unemployment due to XXXX  disabilitys. As I am very ill rn I have documents of this if needed Im on stronger meds and more rehab structured life after my bills Im barely paying for gas to go to my Apptd and foods and other meds due to stolen mail at usps also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NJ
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 three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Something fraudulent happened in my BofA checking account I am not sure what. A check was deposited. Apparently it was deposited never touched never withdrew. XXXX XXXX felt it was fraud and froze the account. I had funds in that account prior to this deposit. The account is frozen and my funds can not be touched. They said policy is 30 days. I have waited over 30 days. I put in 2 hardship requests for my funds along with my XXXX  phone number. I was denied my hardship. Today I was told it could take up to another 60 days. They are holding my funds. I am XXXX  I have no money staying with a friend. They just tell me that the case is not totally closed. Today they told me it could be another 60 days. This is unacceptable. I dont even know about anything fraudi didnt touch the check that was deposited. I just want access to MY funds

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 2023-11-30
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am not able to move my money from the XXXX XXXX XXXX account I opened with them XXXX. Whether I try to move the funds from the savings to the checking, or do an external transfer to my checking, there are inevitable problems. Over the weekend I was not able to move the money from the savings to the checking, so on Monday I initiated an external transfer that I was told would be delivered/transferred by XX/XX/XXXX ( tomorrow ). Now today I get an email stating that the external transfer capability has been suspended, despite the fact that I submitted all the verification questions they required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Aldous & Associates, PLLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Earlier this year, a collection appeared on my report from Aldous and Associates for {$100.00}. Unaware of the source, I called the company inquiring about the source to which they informed me that the debt was from XXXX XXXX, a membership I had opened almost a year ago. I informed the collection agency that I cancelled my gym membership, to which they responded that according to XXXX I had not. I attempted to call the corporate office only to find out that they either do not have a direct line or it is extremely obscure. I continued to inform the collection agency that I cancelled my membership a month after my service there but they claimed the manner in which I cancelled it was not correct therefore nullifying my Cancellation. I then asked them to remove it from my credit report to which they responded that they had previously tried to reach me numerous times at an address I didnt even live at. The email they sent to me was never seen because it went straight to spam ( most likely because people report their emails as such ) With no way to reach youfit and no resolution with Aldous & Associates, I went ahead and paid the {$100.00}. Now the account has finally been zerod out but I have a collection on my report for 7 years that should not have been there in the first place. I feel railroaded and youfit has no number I can find to rectify this. Theyve taken money from me that I know I dont owe and now Im on a 7 year journey with this only report. Im not asking for my money back, Im simply asking for the collection report to be removed from my report before Im forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A rep from Bull City Financial called me almost 3 months ago and was supposed to send me the actual bills so I could look them over and either dispute the claim or set up a payment arrangement. She took a payment of {$110.00} over the phone from me and told me that once I get the bills call her back and she could file the dispute over the phone or the monthly payment amount of {$110.00} would be charged to my card each month on the XXXX of the month until the bill is paid in full but would not be reported to the credit bureau since I never was notified until she called. No monthly payments were charged to me, I never received any bills or itemized statements in the mail yet on my credit report a collection is showing from Bull City account XXXX for {$1800.00} which is the same amount the rep mentioned on the phone that day before taking my payment of {$110.00} I want this collection account removed from my credit report immediately and want the statement sent to me as promised so I can either dispute the amount or continue to pay on a payment arrangement like I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Resurgent Capital Services L.P.
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:
I sent a certified letter to LVNV Funding LLC to formally dispute an alleged debt that appeared on my credit report dated XXXX In the letter I requested a copy of the original purchase agreement to verify that they are the proper owner of the alleged debt. LVNV did not respond with this contract, only a bill from the original creditor. Additionally, the alleged account does not appear on my XXXX XXXX credit report and had different reported information on the XXXX and XXXX reports. I sent certified letters to both XXXX and XXXX to request this account be removed under the Fair Credit Reporting Act to provide accurate information on XXXX Both credit agencies responded that the information was verified even though I provided clear documentation of the errors and inaccuracies between all three credit agencies. Further, the original creditor charged off the alleged debt which in turn is accounted to me as earned income and is no longer considered debt according to the General Rules for form 1099-C of the IRS Code .

Company response to consumer: Closed with explanation