BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
About 3 months ago Bank of America notified us of fraudulent activity and we found that about XXXX was lost. At their direction we closed that checking account and opened a new one recreating in the next few weeks the entire set of autopayed bills. They told us the fraud included a forged signature that was taken to a window and they were attempting to find out how it had gotten through their system. They also told us the missing funds were taken in 2 or 3 transactions. We've called in several times in these 3 months and were repeatedly told they were continuing the research, assuring us the funds would be returned in the 90 day period. About one day short of this 90 days we got an email with a link that didn't work and an attachment that didn't open. The phone number was answered by a smooth talker who wouldn't explain why the link & attachment didn't work, and who also wouldn't tell us details of the letter except that the claim was denied because " we had gotten some benefit of the funds ''. When I asked what she meant about getting a benefit from losing , she said she would resubmit the claim, thereby adding another 60 days to the process. This makes me wonder if the bank 's goal was only to draw this out to a maximum amount. This money represents savings of a XXXX XXXX XXXX XXXX. I'm her son and executor. We are both on the account.

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 2022-03-09
Company: EQUIFAX, INC.
State: PA
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:
In XX/XX/XXXX I started to fix my credit. I noticed sometime in XX/XX/XXXX a derogatory remark was added to my credit report ; when I investigated who they are, it turns out it was for a account that was already paid 3 months prior to it being reported. I began the dispute process and to this day they have refused to remove it off my credit report. 

I began disputing this account with XXXX XXXX every month since XX/XX/XXXX but I have not received verification of any kind or acknowledgement of receipt of any dispute letters I have sent to them. They have completely ignored all of my requests. 

The originator is XXXX XXXX who services credit for XXXX XXXX. The account then was sold to XXXX and I made XXXX payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$77.00} with the last payment of {$77.00}, totaling {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I understand that I had promised to pay XXXX {$10000.00}. I was paying on this for 10 years and 7 months faithfully. I was attending XXXX XXXX through XXXX XXXX who was doing money laundering schemes and tricked many of us students into paying such high fees, which this link shows hard evidence : ( https : XXXX ) however, also, I read over the contract during a complete forensic evidence procedure, and I found that the contract has a few defects, and they may be in violation of ( U.S. Title 18 1001 ), where it states whoever in any matter within the jurisdiction of the executive, legislative, judicial branch of Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any material false, fictional, or fraudulent statement or entry shall be fined under this title or imprisoned not more than 5 years. I want to get this taken care of. It is not my intention to not pay anything. I want to get this settled, so If they can kindly get back to me within 10 days with a fixed copy of the contract and a copy of their account ledger, where I can see clearly the GAP according to The Fair Debt Collection Practice Act. That would be great! I also noticed that I'm the only one who signed the supposed contract ; there is no other signature, which is also a violation of UCC Section 3-401- Where there is no signature the contract is void. So, again, i'll accept their presentment if they can get me what I asked for above within 10 days. If not, they agree the terms of the supposed contract is void. But If they get back to me with the information i asked, they agree I'll settle the matter with a promissory note. Without 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 2023-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, Equifax or XXXX to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
15 usc 16

81g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) (
4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. Midland credit management  accounts that reporting false and misleading Information. 
They never properly verified account. 

XXXX XXXXXXXX XXXX. 
accounts that reporting false and misleading XXXX XXXX XXXX XXXX accounts that reporting false and misleading Information. 

XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through XXXX XXXX XXXX XXXX and they are not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent in the following XXXX XXXX XXXX dispute letters time stamp XX/XX/23 and I havent got a response from TransUnion & XXXX told me to wait 30 days its been past 30 days sense I got a response now Im ready to move forward with my complaint with your agency.

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 2019-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a short sale offer to US Bank for review. Their appraisal value returned higher than the property can presently be sold for, due to the repairs required. We do not believe the as is value of the bpo and/or appraisal was calculated correctly. The value dispute documents, contractors bid for repairs and photos of damages, were emailed to the previously given address for our direct contact, XXXX XXXX at XXXX and the general US bank email address given for loss mitigation documents of XXXX both on XX/XX/2019. After no initial response, my agent also formally resubmitted our short sale request and uploaded the value dispute to XXXX on XX/XX/2019. We have received zero acknowledgement or response from US bank on our value dispute. My agent also reached out to the newly assigned negotiator, XXXX XXXX, via XXXX  on XX/XX/19 and XX/XX/19 with no acknowledgement or response to our value dispute. My real estate agent 's office made calls to US Bank directly on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19, at which times no representative of US Bank has ever been able to give us the status of the value dispute.

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 2023-01-25
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:
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  & Inquiries XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX 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 consent and instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2019-12-18
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I used XXXX credit card to make some purchases with promotional offer which ended last month. They created an end date that is different that due date ( lets say the statement end date is XXXX of the month and the promotion end date is XXXX and due date is XXXX of next month ) and they charged me 25 % interest ( XXXX $ ) for not paying XXXX $ on my account which was part of promotional offer. They wrote a small line under the statement that tells me to pay this amount 3 days after my statement end date which I did not even realize because the statement was just closed! Who would even think that there would a totally different due date other than the regular due date you pay your card. I paid my balance on time for 1 year and half and they charged me XXXX $ for not paying XXXX $ which they unfairly due dated. Now they refuse to remove XXXX $ of interest charge. This is not fair and I am sure many people fall for this. I wish there was a way to make them pay for their shady practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2019-12-18
Company: SCA Collections, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I sent via certified mail ( # XXXX ) a debt validation letter to SCA Collections, however the response I received from the company, violates my rights. SCA Collections is reporting to XXXX, that the account was opened on XX/XX/XXXX, which contradicts the date ( s ) listed in the documents that the company mailed to me. 
This is proof that the company is currently reporting an illegally re-aged account. This account was removed from my XXXX and XXXX   credit reports earlier this year, as a result of a dispute I filed with them. However, XXXX  " verified '' the account as " accurately '' reporting, and is the only credit reporting company showing this account on my reports. 
In addition, I asked SCA Collections in the debt validation letter to provide me with the signed HIPPA release form. They failed to provide me with this form, in their response. 
In conclusion, I demand that this account be immediately deleted from my credit report ( s ).

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 2019-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account is not my account. On my credit report it showed up as a late account and damaging my credit score. I chatted with capital one and they said the last 4 digits of the social security number did not match to what was on this capital one card account. I have been a victim of the XXXX  data breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 2023-02-10
Company: ALASKA USA FEDERAL CREDIT UNION
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I was denied credit twice by Alaska USA Federal Credit Union for reasons other than a credit based, ability to afford and/or ability to repay a loan. We were given inconsistent reasons for the denial. I do not believe they are being truthful or honest in how this situation was handled. Please see my attached statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Moneytree Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted and cashed a check for {$3300.00} on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Valon Technologies, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My loan was transferred to Valon Mortgage from XXXX XXXX XXXX on XXXX. I contacted Valon on XXXX because I was unable to access my new account online. This access issue was due to me being in an active XXXX XXXX  Bankruptcy so I understood and accepted that. I was able to reach someone and they told me I would have to make payments over the phone or through the mail and that I needed and authorization signed by my attorney. My attorney sent that over on XXXX. I received a call from the original rep I spoke with on XXXXXXXX  He advised that they had the authorization and he could process my payment. I made that payment over the phone with him. The XXXX payment. The ONLY payment that was due. They drafted 2 payments, over {$3000.00} from my account that day. I only discovered it when I overdrafted on XXXXXXXX I have sent emails and left messages all day today. None have been replied to. I was able to reach someone who said they would send back the overpayment in 2-3 business days. IT DIDNT TAKE THAT LONG FOR THEM TO GET MY MONEY. I asked for it to be wired. He said a wire would take that long. I took the time to educate him that a domestic wire transfer in the US is guaranteed same day. Are they not in the US? This has been a HORRIFIC way to start a business relationship. I want my money back today. I need it back today. I gave permission for one payment of XXXX to be deducted from my account and they took double. Where I come from that is called stealing and nobody seems to care how their theft is impacting my life. I wish we could opt out of servicing transfers. XXXX was amazing... ..valon is a total trainwreck full of thieves and liars from what I've experienced and its only the first week .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Discrimination and unfair equal credit opportunity from the credit reporting agencies has caused me ( the consumer ) an ordeal of economical and non economical damage to deal with on my own. The suffering have left me scared and damaged with plenty of proof to show for it. I am not able to obtain personal, family, and household services or products due to the credit reporting agencies disobedience and failure to carry out their responsible duties to insure the accuracy of my consumer reports.

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