BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: ALCHRO INC.
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: Account status incorrect

Complaint:
This company is no longer open and I cant pay the final {$25.00} which isnt fair because I want this account removed. If I cant pay them why should this account stay on my account. The website no longer active

Company response to consumer: Untimely response
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My husband and I opened a merchant service with Bank of America under XXXX business. I called and asked was it possible to switch the merchant service to another business account and discontinue the one. The representative XXXX told me it was possible, but I had to purchase another machine and they would send a label for me to return the machine and I would be refunded. 90 day had passed and I continued to inquire about the mailing label being sent as we had already purchased another machine. There was no need for another machine. The representative said it was sent out. I told him I would file a compaint with the XXXX and the label was XXXX XXXX out the next day. I mailed out the other machine. I told him at this point I would like to return both machines as we purchased the other machine on a credit card and it is growing interest from us not getting a refund. The representative told me that it was past the time to return, but the time passed had to do with Bank of America not sending the mailing label in a timely manner. I had followed up every week and finally we reached a time where they said the other machine could be returned. I then began inquiring about the refund. No response for weeks and finally was told that the refund was issued on XX/XX/2023. When I checked my account they refunded it to an account we did not use to pay for the machine within XXXX of XXXX and then used the refund that was in the account without our consent to cover a bill that was due to the bank. I still have the machine. I have not used it or opened the box because I feel like they really mishandled my account. Have tried to resolve with may emails and calling customer service but I felt misled to purchase another machine and the refund was not issued in the same payment form it was given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: DC
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 have previously sent my FTC Identity Theft Report to Equifax on XX/XX/2018 to block a fraudulent account reporting on my credit file. Equifax outright refused to block the fraudulent account stating that their company policy is to violate US Federal Law by opening an investigation instead of blocking within 4 business days as required, and I have requested the help of the CFPB to make sure Equifax complies with US Federal Law ... the FCRA statute is very clear as to what Equifax must do to comply. IF I HAVE AN FTC IDENTITY THEFT REPORT, EQUIFAX MUST HONOR MY REQUEST TO BLOCK THIS INFORMATION. I have enclosed my FTC Identity Theft Report, driver license, social security card, proof of residency, and FCRA 605B. I also attach a copy of my Equifax  credit report highlighting the fraudulent account that is the result of identity theft and does not relate to any activity I engaged in or authorized or benefited!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called the debt collection agency, XXXX XXXX, on XX/XX/2023 and requested a current bill from them so I can pay the debt. I explained that I am moving into a new apartment, but my application approval for the apartment is contingent on me paying the balance owed to my old landlord which appeared on my background. I contacted my old landlord ( rental management company ) and was informed the debt was sent to the collection agency, XXXX XXXX, and was given their phone number XXXX to contact the debt collector. When I called the XXXX XXXX at this number, I explained the situation, requested a current bill, and was told that I would receive a current bill via an email within XXXX business days. My email address was verified during the call. I called XXXX XXXX again on XX/XX/2023, as I have yet to receive the current bill from them or any correspondence from them since my call on XX/XX/2023. I explained to them that I am living at a hotel, as I cant move into the new apartment until I receive this bill and pay the balance. The representative with XXXX XXXX stated they saw my request in their system, but that XXXX XXXX requested verification of charges with my old landlord and have not yet received response from my old landlord. The representative stated that have not sent me the bill yet, as they are waiting on the verification of charges prior to sending the bill. I expressed that this is unfair practice as this information is on my background/rental history as unpaid, but they are denying me the necessary documentation to make the payment. They representative informed me that they legally have 30 days to provide this, but that statement does not seem accurate from my research. I requested to speak with a supervisor but was told the supervisor was busy and couldnt take my call. I then requested they send me documentation of this process and was put on hold, then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/1994 To Whom this may Concern These Negative items do not meet the FCA reporting requirements. I dont not recognize how and why it is reporting DELETE IMMEDIATELY!!!!

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!!!

These accounts should not be furnished on my consumer report as they are in VOLATION!!

Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2020-05-08
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:
This account was paid in full. Company offered to be removed. This account has not yet been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I started the process working with Loan Depot and they did not maintain regular communication with me. After not hearing from them for an extended period of time ; I started speaking with other lenders and have chosen to work with XXXX XXXX XXXX. I have been trying to get my FHA case number and FHA appraisal transferred to XXXX XXXX XXXX for over a month now and keep getting the run around from Loan Depot. 

They say I need to make a {$120.00} payment for the appraisal before they will transfer everything but every time I try to make the payment ; one of the following occurs : 1- Payment can not be process until re-inspection is scheduled for the subject-to appraisal 2- They had me fill out multiple forms to make the payment but then tell me I need the loan depot loan number on there as well. Resent the required document with the loan number and was then advised that I would be emailed a link from loan depot to make the {$120.00} payment but never received the email. 
3- I get transferred to a loan officer who is not the original person I started speaking with and they try to convince me on why I should keep my loan with them even though no one at their company has kept regular communication with me and I am constantly speaking with someone different. 

This has been going on for over a month and I am now starting to feel like I am getting the run around and that they are holding my appraisal hostage! 

I want my appraisal and FHA case number transferred to XXXX XXXX XXXX and do not believe it should take over a month for loan depot to accommodate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX, XXXX made a purchase at Pottery Barn for {$1400.00} under a " 12 month interest free plan '' through my Pottery Barn Capital One Credit card with a promotional expiration date : XX/XX/XXXX XXXX, XXXX, XXXX made payments ( {$120.00} each ) to Pottery Barn Capital One Credit Card XX/XX/XXXX, XXXX a freud charge of {$2100.00} was made on my card. I immediately reported the charge to Capital One and Pottery Barn as it was for Pottery barn merchandise. 

XX/XX/XXXX, XXXX received a letter from Capital One indicating investigation was complete. They credited me for the amount that was charged in freud. 

XX/XX/XXXX, XXXX noticed on my newest Capital One Statement that I was charged interest ( {$22.00} ) on my promotional balance. Also noticed on this statement I was no longer under the Promotional Credit Plan. 

XX/XX/XXXX, XXXX Called Capital One, XXXX to report that I should still have the remaining balance under the promotional plan until XX/XX/XXXX. I was told by XXXX that on XX/XX/XXXX the promotional balance ended because Capital One provided me with a credit. I explained the credit was for the freud charges, not the amount I still owed. He said there was nothing he could do and that I would be charged interest on the remaining balance ( {$730.00} ). I asked to speak with a supervisor and spoke with XXXX. He offered to waive the interest for this month but couldn't explain why I was no longer on the promotional credit plan, as he verified with Pottery Barn the plan should be through XX/XX/XXXX. Once he waives the interest my true balance is {$700.00}, however because XXXX was unable to " reinstate '' the promotional plan, I will continue to be charged interest, or call back to Capital One every month to argue with them ( because it was an hour long argument to get this month 's interest waived ) to waive the interest that I am contractually obligated to have waived through XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: Jonathan Neil & Associates, Inc
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Johnathan Neil & Associates, IncXXXX sent a claim to my step son in the form of a letter that states he owes {$3900.00} in regards to a car accident last year. This firm stated that they would send/obtain a copy of judgement against our son. Our son is a minor. In addition they threatened to file suit against him. 
XXXX My husband and I on behalf of our minor son wrote back to Johnathan Neil & Associates that neither he or us owes this debt. I stated we would report this company to the FTC as well as the California State Attorney General if communication does not cease to exist. 
XXXX Our son received another letter from Johnathan Neil & Associates Inc. stating our dispute is invalid. In addition, there is a copy of a letter this firm wrote to the Washington State DMV asking administrative action to be taken against the " uninsured party '' .Also included in their accident report is clearly the name of the legal registered owner which is not our son. 
XXXX Our son wrote to Johnathan Neil & Associates stating he is not responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX  XX/XX/2022XXXX XXXX XXXX XX/XX/2022, 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I saw there was a lawsuit against Bank of America. I experienced many fees with them before I changed my bank to XXXX. I would like to be reimbursed for my inconveniences and troubles.

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 2020-10-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My account was frozen and a reason wasnt given. The only form of communication is through a email which also illegal. They have a customer service number but once you call it, it tells you that they are not open for business but are still accepting consumers business. After they froze my account for no reason or notification, once you send an email to them, they tell you it will be resolved after 7 days. There was still no resolution in 7 days as of why i am sending a complaint for deceptive business practices. No one should be handling finances and can not be contacted per FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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:
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.

has violated my rights. Or list of inquiries 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