BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$460.00}

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 2023-01-11
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:
Recently, I filed a complaint against a debt collections agency " XXXX XXXX ''. During the XXXX XXXX, I was going purchase a vehicle. after the auto dealership check my credit report, the car dealership " made me aware of a newly added collections to my consumer credit report. 
I checked my credit report and seen, for the first time, XXXX XXXX added a collection to my credit report. I called this debt collections agency, and the representative said initially, they have called me several times, I asked wat number they called, and a completely different number from mine. then I was told they ( XXXX XXXX ) had been sending me notifications of this debt since XX/XX/XXXX to my address here in XXXX XXXX XXXXXXXX, XXXX that's impossible, I just accepted a work relocation here the middle of XX/XX/XXXX, ( No one ever contacted me, prior to ruining my credit, my score dropped XXXX points ) I asked what I need to do to get this removed from my credit report as soon as possible? The manager of XXXX XXXX informed me, to pay the arrears and they would have this collection removed immediately ( well as you can see, that was another false statement, I'm still struggling with this. WHO PROTECTS XXXXXXXX XXXX  FROM IRREGULAR BUSINESS PRACTICES LIKE THIS???? 
1.No one ever contacted me about money owed XXXX. XXXX NEVER tried to contact me, they simply added this collection to my report, KNOWING WHEN I TRIED TO GET CREDIT, I WOULD CONTACT THEM, THIS IS AN ILLEGAL BUSINESS PRACTICES XXXX. I PAID THE {$1400.00} AND XXXX XXXX, DIDN'T HAVE THE COLLECTIONS REMOVED, ANOTHER LIE XXXX. I SUBMITTED A COMPLIANT WITH XXXX AND THEY SIMPLY AGREED WITH XXXX XXXX, WHERE'S THE JUSTICE? IF I HAD KNOWN THERE WAS A COLLECTION, I WOLD HAVE PAID IT PRIOR TO RUINING MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/22 I submitted a complaint to the following credit Bureaus XXXX XXXX Equifax and XXXX stating the the information that they are reporting on my account has been inaccurately reported and needed to be corrected they today XX/XX/22 they have yet to get back to me with a response or result I wish to have the items removed from my credit report for they have been a burden on my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to do a balance transfer from Avant to XXXX. XXXX sent funds to Avant to initiate the balance transfer process. Avant denied the balance transfer, did not notify me and claimed their policy and contract did not except balance transfers. I looked over policy and contract and found no evidence of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EPA USA INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company by the name with EPA USA has been calling me and my wife daily requesting us to relay a message to someone with the same last name. I have called the office twice and spoke with someone by the name of XXXX XXXX who claimed to be a supervisor and promised that my information would be removed from their call list. About an hour afterwards my wife and myself both received phone calls again. This was the 3rd phone call today from them. The first caller got an attitude and proceeded to explain over the phone who I was and my address as if to tell me she knew who I was and where I lived. After asking her was the debt mine she hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXXm currently having issues with Chase and the amount of overdraft fees taken out of my account monthly ( {$650.00} ). Because Chase doesnt automatically deposit my checks and it takes some time before my funds are available. Ive called Chase and spoken to a representative numerous times. Because my account is constantly hot with overdraft fees Im unable to keep up with bringing my checking s account to a positive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-21
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: Was not notified of investigation status or results

Complaint:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Bright Capital Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The company is called bright money. They promise to build credit and giving you a consolidation loan at the end of the plan but only recorded my payments for three months. Then after that they just take money out my account without doing anything and sometimes twice a month. Its difficult for me to cancel and withdraw because it says I shouldnt withdraw without paying it in full because it would negatively impact my credit score. In reality the took way more than only three months of payments from my account. Also if I withdraw now I only get {$30.00}. Not all the other payments they took and made disappear. They are called Bright Money. I see on their social media that they do this to plenty other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMorgan Auto finance is attempting to collect a debt that was written off on their 1099 at a loss. They actually sold the vehicle and recouped at market value, and is still trying to collect interest payments on an account that no longer exist. Ive made several attempting via certified mail to correct the reporting to the credit agency but insist on no wrong doing. It fraudulent to attempt to continue collect on account that have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CITIBANK, N.A.
State: GA
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:
Bought a washer and drier at Home Depot in XXXX of XXXX. Was told to get a Home Depot credit card to take advantage of 0 % interest for 18 months. I directly asked and it was directly related to me that there was no interest charge and would be no interest charged until after 18 months. At no time was it related to me by the store representative that the account was for " deferred interest '' and that interest was in fact accruing the entire period at an onerous 30 %. As I utilize online banking and autopay my card I had no reason to go online and see interest payment on my account until I logged on in XXXX of XXXX when I had money pay off the cards remaining balance in full. I was quite enraged to find that my balance was not the {$600.00} i expected but rather some {$1200.00} after being charged {$650.00} in Deferred Interest! If I would have known this was occurring or would occur I like would have never opened the account to begin with or would have most certainly paid off the card immediately. Now I am being charged {$650.00} dollars in interest for a {$1000.00} washer and dryer. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Letter to Remove Inaccurate information This letter is to address the following credit bureaus, Transunion, XXXX and XXXX. 

Per FCRA section 623 A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 


By the provisions of the FCRA and the 15 U.S Code 1681 I am demanding that the inaccurate information such as my address and inaccurate names be removed from my credit 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 2020-12-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke to my lender about my hardship, & they asked me to submit necessary documents for them to review so that they can give me options that will help me get back on track with my mortgage payments. I submitted the documents they requested, & they confirmed that they received them, & they are just about to start the review. But when I checked back on them for updates, I was advised that the documents are now missing. Now, I have wasted time waiting on them, only to find out that they have lost the documents that I have sent them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: OLD NATIONAL BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I had an unauthorized charge to my checking account XXXX. These 3 companies charged my account while I was online applying for a personal Loan. My personal bank information leaked out to these 3 companies. They explained to me they had returned the withdrawals on certain dates. I should have had a small amount left in the account after the Overdraft fees were erased. I shouldn't have had overdrafts fees to begin with : // I was online and applying for a loan and these 3 charges showed up on my account with checks written to my account.They got ahold of my account #. I tried to cancel over the phone and she wouldn't take no for an answer. I called back the next day to cancel and they said they'd cancel all 3 charges and put the money back ; ( $ XXXX # XXXX, phone # XXXX, XX/XX/XXXX / $ XXXX # XXXX, phone # XXXX or XXXX, XX/XX/XXXX, / $ XXXX # XXXX, phone # XXXX, XX/XX/XXXX. They claimed they returned the XXXX XXXX {$17.00} on the XX/XX/XXXX, -and XXXX XXXX XXXXXXXX {$29.00} on XX/XX/XXXX, -and {$31.00} the XX/XX/XXXX. I have an Overdraft laim f {$140.00} and a missing check of {$31.00} from XXXX XXXX. The Old National Bank took my charge card, closed my account and sent it to collections.

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 2023-04-03
Company: Velocity Portfolio Group
State: MD
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:
As of XX/XX/2016 a student loan was opened on my account which states I owe XXXX which says it owed to velocity investments , llc. In pursuant of a fair judgement regarding state statues the company and or credit bureaus are illegally posting accounts past Marylands statue of limitations. They are posting fake payments I never made and they have nothing with my signature bearing as evidence of any scheduled payments. For years this has left me in a position that hindered me from using my credit and seeking better financial opportunities. I deserve a fair chance to resume being in good standing with economic endeavors of credit in mind. Ive reached out to the creditors and the bureau agencies themselves. When confronted they stated it would be removed as per statue of limitation. When this was stated it would disappear and they would repost several months later

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 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC 1692a ( 3 ), I, am the consumer.

Each month, Bank of America sends a statement, alleging that i owe a debt. Pursuant to 15 USC 1692b ( 2 ), a debt collector shall not state that a consumer owes any debt. Pursuant to 15 USC 1692a ( 5 ), debt is an obligation or an alleged obligation to pay money from a credit transaction. Pursuant 18 USC 8, that obligation of debt belongs to the United States, not I, the consumer. 

On Monday, XX/XX/2021, I sent Bank of America an affidavit of truth, affirming my consumer rights and stating all violations they have committed. I also sent a cease and desist, demanding they stop all communication regarding this alleged debt, through any and all mediums, affirming my rights and requesting my specified remedy, pursuant to 15 USC 15 USC 1692c ( c ) ( 2 ). I also sent exhibits, highlighting and labeling the violations committed ; as well as sending a Bill of Particulars, calculating all the violations committed, assessing these damages, pursuant to 15 USC 1692k.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MN
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year 2022 and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requesting Experian to correct my name and remove all other inaccurate names immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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