BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2022-11-03
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: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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:
IN accordance with the fair credit Reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 700 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Experian business.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Special financing .... unite consumer.. XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # 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 1681 ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse 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 reporting agency if the person knows or has a reasonable cause too 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 explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CT
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 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NY
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:
THIS CITICARD CBNA ACCOUNT DO NOT BELONG TO ME PLEASE INVESTIGATE AND REMOVE THIS FROM MY CREDIT REPORT. I HAVE REACHED OUT TO EXPERIAN NUMEROUS TIMES TO REMOVE THIS ACCOUNT. PLEASE INVESTIGATE THESE MATTERS AND REMOVE / DELETE THE DISPUTED ITEMS AS SOON AS POSSIBLE THANK YOU. ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT. BELOW IS A LISRT OF LAWS THAT HAVE BEEN VIOLATED. 15 USC 1681 C 2 15 USC 1681 B ( A ) ( 2 ) 15 USC 1681 A ( K ) ( III ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1692 D ( 1 )

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 2019-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card bill has been paid automatically via debit from my checking account using Bank of America bill pay system. That has worked like a clockwork for as long as I have had this particular account open. 
Suddenly on XX/XX/2019 it did not work even though my bank account had sufficient reserves. 

Bank of America is the credit card issuer and they claim that debit did not happen this time because of the user error and refuse to acknowledge their part in this and refuse to refund or at least partially refund the late fee and interest charged. I paid the bill in full including {$70.00} in interest and late fee as soon as I discovered this error and was late only 4-5 business days. I never received a notice that bill pay system had not worked! What is the purpose of automated bill pay if it fails without notice! 

I contacted their customer service twice. They claimed that it was a user error even though they had no idea why bill pay failed. I was told that their manager will contact me within three business days from XX/XX/XXXX. That never happened. 

Please advise. Thank You!

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 2020-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I contacted XXXX XXXX for filling bankruptcy. After the initial phone call back in XX/XX/XXXX I agreed to accept XXXX XXXX services. After I paid off my initial fees of {$1900.00} in XXXX of XXXX. I was explained I would be contacted my a bankruptcy attorney shortly. After around one month I was contacted by an attorney and we went over my debt and income. After about 2 months, my attorney then explained to me I did not qualify for chapter XXXX. This was after XXXX XXXX explained I did qualify and for me to start making payments.The attorney explained there was not anything she could do and to give XXXX XXXX a phone call. After speaking with XXXX XXXX on XX/XX/XXXX, I was explained not much could be done and I can can ask for a refund. I went ahead and asked for a refund and was explained I would get a full refund in around 30-45 business days. I have not received any refund. I have called, emailed, and text chatted through out the 30-45 days tracking my refund and was explained all should be okay that my refund was in billing to be mailed out. I called on XX/XX/XXXX requiring about my refund and the individual explained I was looking at another 20 days beyond the 30-45 days given. I asked to speak to a manager and was transferred to n individual who could care less what I had to say. The manager explained there was a back log in the billing department and I was now looking at an extra 30 days for any refund. For someone filing bankruptcy, {$1900.00} dollars is a lot of money at this time and given false information each time I call is frustrating and worrisome. I seeking extra help at this time to get my refund back and to close this ordeal with XXXX XXXX. 
Date fo withdraws : XX/XX/XXXX - {$60.00} XX/XX/XXXX - XXXX from XX/XX/XXXX to XX/XX/XXXX every two weeks, XXXX XXXX was deducting {$150.00} every two weeks, {$300.00} a month. 
Last withdrawal was o XX/XX/XXXX - {$120.00}

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 2019-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America has placed my account into a risk closure status and is illegally withholding deposited funds and continues to accept deposits to my account while withholding all funds that are owed to me. They claim they don't have a date when they will be done with their review but after the review is done it would take 7-10 business days. I call and the risk closure team says I can go to the bank to withdraw the funds. The branch is saying they have to call risk closure. They have me go all the way to the bank which is far from my house. I was told again this morning to go to the branch and withdraw but I feel this is a waste of time. I will update everyone after this attempt.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: MA
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 am writing to file a complaint and request assistance regarding inaccurate information on my credit report, which I have brought to the attention of Experian on XX/XX/XXXX. However, I have not received a response from them to date. As a concerned consumer, I firmly believe that Experian has an obligation to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following accounts : XXXX. Account Type : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Original Creditor : [ Original Creditor 's Name ] This account does not belong to me, and I kindly request that it be promptly removed from my credit report. 


XXXX. Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be provided, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account. 


XXXX. Account Type : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} This account requires examination due to incorrect reporting. The reported balance of {$1100.00} appears to be higher than what I remember. As your agency presented this account as closed, the Past Due amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action in resolving this matter with the creditor, but I need your agency to report the account as disputed while I attempt to find a resolution.

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 2020-04-05
Company: Freedom Mortgage Company
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have paid our debt with Freedom Mortgage and all applicable fees. We have been provided a confirmation number of payment in full and provided it to XXXX and XXXX XXXX. We also recieved our next bill showing all past dues paid and next payment not due till XX/XX/2020. We provided this information via phone and by email to XXXX and XXXX XXXX but recieved no direct coorespondence of any kind. We asked Freedom Mortgage to notify them as well since it was there client. Yet we have recieved attempts of court notices from the sheriffs office during our family functions, multiple letters, and we even have our information in public records showing pending foreclosure that is all inaccurate. All debts were settled long ago and our payments are on time but we also get horrible calls routinely. It has been harassment more so than anything ever experienced and has embarrassed us completley despite our fruitful efforts to have our financial issues resolved. We had hoped it would resolve once we paid all they asked of us and more but they just keep harrassing us. We literally owe nothing to anyone, and have sold so much to make it this way, but they just wont stop. We cant afford an attorney at this time, but dont know what else to do.

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 2023-02-27
Company: EQUIFAX, 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:
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 XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} ONEMAIN XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-03
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
My son was XXXX in his main XXXX, XXXX traveled to his XXXX XXXX   shattered his XXXX in XXXX, into his XXXX XXXX, and now it is lodged in his XXXX. He had a XXXX XXXX, XXXX, and a XXXX XXXX  which required XXXX. He will have another XXXX later this morning, XX/XX/2020. I have Power of Attorney of my son because he is XXXX at this time. I have reached out to XXXX XXXX and Cash App with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Possible Financial Inc
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first realized possible was on my credit a few months ago, but was confused on what the company was. I signed up and was told that the service isnt even available in my state, so why is a charged off account reporting on my credit if the product isnt even to me?? I contacted possible on XX/XX/2023 at XXXX pst and was told that they cant verify my information and that if this was a result of identity theft that a police report had to be filed over {$67.00}???

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 viewed my reports and noticed items that weren't mine. I haven't applied for credit with Capital One XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: W&A Intermediate Co., LLC
State: NY
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: Problem with personal statement of dispute

Complaint:
I sent Wakefield and Associates LLC by certified mail a cease and desist letter on XX/XX/XXXX ; telling them that I have no desire to settle any disputes with them I will go directly to the creditor XXXX XXXX. I sent the letter to their headquarters in TN which arrived on XX/XX/XXXX and their OH location which arrived on XX/XX/XXXX. I made it clear that they are to cease all communication oral and written. On XX/XX/XXXX XXXX from Wakefield and Associates contacted my husband and left a message to call him at XXXX. I also put in a dispute with the credit bureau and the firm refuses to remove this collection debt from my credit report. I am requesting the derogatory remark be removed from my credit report asap and that the firm ceases all communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Between XXXX and XXXX of 2023, I was in a severe manic episode which caused me to take out {$30000.00} worth of loans in an altered XXXX  state. I have no recollection of taking out these loans nor was I entirely sure how I was approved of these loans since, at the time, I had no source of income or leverage that was given to the bank to approve these loans. Unfortunately, for the past few months, I have been in and out of hospitals and an XXXX  program to fully gain my XXXX  and physical strength back which has been quite arduous. I have contacted the bank several times to discuss the loan repayment options to see if there is any way we can restructure the loan agreement since, as I have yet to return to work, I have no source of income. Wells Fargo, however, has not budged at all even though I have explained to them the situation and was willing to provide whatever hospital documentation was necessary to show how serious the medical situation was, but again this proved to no avail. Now, I am in quite a difficult spot as I am looking to work with the bank to try to rectify this situation and it seems to me to be quite predatory that the bank approved the loan virtually off of no solid financial backing without thoroughly verifying that I had the means to do so.

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