BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I XXXX XXXX and my mother XXXX XXXX have been receiving several phone calls from XXXX stating that he has a {$29000.00} debt from a construction company with XXXX i called XXXX and they didnt give us much information but to call the following number XXXX and the XXXX website i spoke to them then was transfer to XXXX XXXX to they told me it would most likely to be a scam and to have it reported to FTC AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposits in Bank of America are in HOLD for more than one week for no reason. The owner of the account HAS BEEN DEBITED but the money does not come to our account. Seems that BofA USES OUR MONEY for days.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 : XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$3700.00}

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 non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax on the recorded phone line XX/XX/XXXXXXXX XXXX XXXX to remove my Credit freeze temporarily until XX/XX/XXXX. They failed to do so Equifax never unfroze my credit. 

I am requesting Equifax to fully remove my credit freeze no temporarily fully remove it, and I will reapply it at my convenience

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: TN
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 ; XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
Update personal info and delete the accounts violating the FCRA

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-08-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am reaching out in regards to an on going issue I have had with XXXX XXXX. I have been a customer with XXXX since XX/XX/XXXX when I moved into a condo as a single mom with XXXX kids. I have paid on time monthly for their services. 

In XXXX of XXXX, the unit had stopped working suddenly. I spoke to XXXX agent over the phone to attempt to alleviate the problem, but it hadnt. I tried to get someone out to look at it, but I work during the day so it was hard to get someone to come out and try to fix it. I have not used the unit since XXXX of XXXX as well. I started to receive past due payments and realized I got a new credit card. They wanted {$580.00} dollars from me. On XX/XX/XXXX, I wrote an email stating I would pay that amount, but I wanted someone to cancel my contract and not be billed anymore. I believe this was more than fair since the unit hadnt worked in almost a year. I also have proof of emails from this date as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had called numerous times to speak with someone regarding this issue, but after waiting on hold for twenty minutes or more I spoke with someone. Each time this happened, the representative wanted to help me pay my bill, but they couldnt authorize cancellation. I had asked to speak to someone who can do that, but it could never happen. 

I was willing to pay the past due amount every time, but didnt want their services any longer especially since the unit was not working. They have recently sent me to collections, which is very poor customer service and shows they just wanted my money despite the fact I was willing to work with them. I find XXXX to have XXXX of the worst customer service departments that are only present to take your money. I would not recommend to family or friends. 

I would appreciate any help that you can provide. Thank you for your time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

Re : Accounts XXXX XXXX Account # XXXX has violated my rights. 

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date of last active is inaccurate, the high credits are reporting differently and the date last reported is also inaccurate. 

This is grounds for removal and they have violated my rights under 15 U.S.C. 1681 section 602 A states I have the right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-13
Company: EQUIFAX, 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below was still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following account completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-05
Company: Early Warning Services, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 a deposit was sent over to what was thought to be a XXXX  XXXX. Services were never rendered. XXXX Bank is refusing to file a flail to recoup the funds sent over to the would be scan XXXX. XXXX XXXX is not helping either. Attached you will find the correspondences. I have since then reported the XXXX page to XXXX and the page has been deactivated. Id like my {$150.00} back immediately and XXXX should go after the scanner just as the would when disputing charges from XXXX or XXXX. Zelle instructs you to contact your banking institution, they dont offer any help either!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: VA
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 Client Name, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Marlette Funding, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. i had stopped the " project '' when i realised what was happening but he got access to my personal and bank information ( most likely from the black market on the internet ) and applied for two loans : one for {$5000.00} with XXXX  and another for about {$3500.00} with bestegg. i have contacted bestegg about the matter and disputed the account on all credit reports but bestegg has said that the account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On the date of XXXX XXXX I discovered a account being reported by Transunion as an collection. I have never open or owned any such account. I disputed this account not only because it was false and inaccurate and not mine. Upon investigation it was found that the company also was reporting fraudulent information such as account numders, names and addresses which are by law also grounds for removal of said account. On XX/XX/21 the account XXXX XXXX XXXX was removed from my credit file. On XX/XX/XXXX I noticed that it has been reinserted on my credit file. I received no notice or warning

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. This has been a rough time during the covid 19 pandemic outbreak

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, XXXX XXXX XXXX, who sent the last bill to my current address. There was an account number XXXX for Comenity Bank/XXXX XXXX. The XXXX XXXX XXXX is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This Comenity Bank/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: Experian Information Solutions Inc.
State: WV
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:
AFTER REVIEWING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIED THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FFROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was served papers saying I was being sued by Portfolio Recovery Services in the justice court XXXX XXXX XXXX county texas On XX/XX/XXXX I appeard in precint 4 court and meet with Judge XXXX, Porfolio Recovery Services representing attorney XXXX XXXX. We agreed to a one time lumpo sum payment to settle the case of {$2000.00}. The {$2000.00} was paid on XX/XX/XXXX and notification via email was sent to XXXX XXXX. Again, The {$2000.00} was to pay the case in full. 
On XX/XX/XXXX I reached out to the XXXX XXXX law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and asked why I havent seen an update in my credit report, they verivied they received payment in full and that I would have to contact Portfolio Recovery Services. I then reached out to Portfolio recovery services and they verified that they received the payment and that my credit report would be updated as they are still reporting that I owe them the remaining balance of {$710.00} I waited and watched for 6 months for my credit report to update with accurate information. I called Portfolio Recovery services on XX/XX/XXXX and they informed me that they needed more time to update the credit report with accurate information. I also have emails trail with attorney agreeing to settlement and notification that I paid the {$2000.00}. 

I believe they have had enough time to do their reporting correctly and accurately. The collection agency should report zero balance and settlement reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief