BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Attached are documents which show that several payments were made in the month of ( XXXX and XXXX. ) The reason for this dispute is in reference to wrongfully information reported on my credit report with Transuion, XXXX and XXXX. The account stated below from XXXX XXXX is incorrectly reported as a late payment for the month of XXXX XXXX. This needs to be removed immediately as this is hurting my credit score significantly. All months were paid on time and never late. Please update this information on my credit file. 

Please make sure that my contact number is visible/ provided in the Personal Statement section of my credit file. Asking al creditors to contact me first before issuing credit. Due to my personal information being compromised.

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 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One- Platinum credit card reported to all Three Credit Bureaus On XX/XX/2023, {$75.00} of none payment due financial hardship Im highly impacted by the creditors decision. However The law Reporting act XXXX Account # XXXX, has violated my rights 15 USC has 1681 section 602 states I have the rights to privacy 15 USC 1681 section 602 A it also states a consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: NAVY FEDERAL CREDIT UNION
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:
I have contacted XXXX  and XXXX XXXX services several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX Bank is reporting a fraudalent auto loan in my name. Navy federal credit union is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: 1st Franklin Financial Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 at around XXXX First Franklin Financial made a call to a reference of mines ( wife ) after being asked not to call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
My Name is XXXX XXXX XXXX. i live in XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXXSome one stole my identity and opened a credit card account with XXXX XXXX while he used my information using different address than my physical address. Accordingly, I received a court not by mail. The XXXX XXXX credit card company referred the case to a collection company. I called the collection agency to dispute the claim while the asked me to file a police report and file a complain using FTC.GOV.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom It May Concern : This correspondence is to address multiple garnishments from an established business checking account with Bank of America. 

Bank of America applied a second offset charge in the amount of {$1600.00} posted on XX/XX/23 to satisfy a delinquent Business credit card payment. Initially, an offset payment was posted on XX/XX/23 for the amount of {$170.00}. 

Once the first offset payment occurred, I contacted Bank of America and was informed by a representative that this charge was erroneous and that a Bank employee could not make a credit card payment without my authorization. During this contact, I filed a complaint with the representative to have the payment reversed and funds reapplied to my account. After this encounter, I never received any further correspondence providing the outcome regarding this complaint. It was not until the second offset that occurred on XX/XX/23 that I learned from Bank of America employees this garnishment occurred and will continue to do so to satisfy the credit card debt. 

Please kindly note multiple attempts were made to Bank of America to make suitable payment arrangements to stop the progression of collection efforts. Bank of America refused to lower payments with a reasonable and realistic payment plan. Further, Bank of America failed to provide any notice that garnishment would occur. It is noted on my account with Bank of America, I acknowledge and made several attempts to rectify this debt accordingly. At the recommendation of a supervisor, I wrote an email correspondence to the escalation team for assistance. Since this correspondence was sent shortly after the XX/XX/23 occurrence, I have not received any communication from Bank of America seeking to resolve this matter.

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 2023-02-16
Company: SANTANDER HOLDINGS USA, INC.
State: IN
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I have contacted Equifax numerous times in reference to XXXX XXXX XXXX XXXX XXXX  Date openedJun XXXX, XXXX. Equifax has this account charge off as off XX/XX/XXXX. Equifax has been updating this account as a charge off since XX/XX/XXXX to this current year of XX/XX/XXXX. This falsey manipulates the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I am writing to you in my continued efforts to resolve a deeply distressing matter concerning inaccurate and unauthorized information on my credit report. The violations I will outline below, which have left an indelible mark on my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The listed violations are as follows : Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Unauthorized Inquiries : Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX  on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX on XX/XX/2022 Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Account Inaccuracies and Reinsertion Without Proper Notice : XXXX XXXX Account ( Account Number : XXXX ) inaccuracies : Incorrect high balance Inaccurate date of last activity Reaged accounts Undated late payment Charge off listed as open Collection account with a limit Undated Late Pay and Charge Off Listed as Open : XXXX XXXX Account ( Account Number : XXXX ) Collection Account with a Limit : XXXX XXXX Account ( Account Number : XXXX ) The impact of these violations on my life has been profound and overwhelming. The inaccurate information on my credit report has hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle. It has shattered my sense of financial security, leaving me anxious and uncertain about my future prospects. The emotional toll of this situation is immeasurable, affecting not only my financial well-being but also my overall quality of life. 

I implore you to consider the emotional and financial distress that these violations have inflicted upon me. As I share my personal story, I beseech you to enforce the legal remedies available to ensure the accuracy and integrity of my credit report. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my financial stability. 

Sincerely,

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 2022-05-15
Company: Experian Information Solutions Inc.
State: NC
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:
To Whom It May Concern : XXXX, XXXX, and Experian are still in violation of 15 USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given XXXX, XXXX, and Experian any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are XXXX accounts being illegally furnished on my consumer report. 

I demand that XXXX, XXXX, and Experian remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow XXXX, XXXX, and Experian to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By XXXX, XXXX, and Experian allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. XXXX, XXXX, and Experian must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that XXXX, Experian, and XXXX need to remove immediately : Department of ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX accounts ) XXXX  XXXX XXXX ( XXXX accounts ) XXXX  XXXX XXXX XXXX US Department of EDU XXXX XXXX XXXX Department of EDU XXXX XXXX XXXX XXXX XXXX I have also filed previous CFPB reports on XXXX, Experian, and XXXX for the same issue and have been accused of using third-party assistance which has never been the case. XXXX, XXXX, and Experian have employed multiple deflection and stall tactics to delay removing the accounts listed 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 2019-06-25
Company: ERC
State: CT
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:
Collection agency has engaged in serious violation of the FCRA, illegally re-aging an account. This {$1200.00} account was re-aged in XX/XX/2016, when the acutal date of delinquency was nearly three years prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, on my Paypal account, I received {$210.00} payment for the digital Item I am selling. Since my account is considered new for the first time payment received, I've waited for the 60 days holding period of my balance. I am not able to withdraw my money. Then, after that 60 days, I am still not able to withdraw my money in paypal. I sent the competed proof that transaction was completed and the buyer did not file a complaint for my sold digital Items and would not cause any chargeback to Paypal, but the Paypal permanently limit my account for 180 days. Please note that this time of pandemic a single cent is very important and I badly needed my hard earned money, that I think paypal should not hold it for another 180 days. 

Appreciate your help on this as really need to those money to pay may house rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( collectively : the Companies ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm ( 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 2023-10-16
Company: SIMMONS FIRST NATIONAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been baking at Simmons Bank for 10 years and today I got a letter they where closing my account and giving me 10 days to get the money and go eles where. All this started when I made a complaint that multiple staff members felt mistreated by the XXXX XXXX at the location XXXX XXXX XXXX. # XXXX. She refused to cash checks and was just very aggressive simple things and rude to me when I ask for bank statements. XXXX staff member was so upset how she was treated because XXXX refused to let the teller cash a check because of a last name that was different on her SSN verses her ID which is very understandable. So I went up there asked XXXX what name does she prefer and She stated it I corrected it no big deal. XXXX was very aggressive towards the staff member in front of me. I felt like I had to Calm her down. Then same girl goes back in to cash her check same thing the receptionist takes it away from check out counter with her ID away from the Same staff member goes to XXXX XXXX again says she needs approval this time the staff member is filming the whole thing and brings to me I am mortified by what I see same aggressive behavior they threaten this girl with police for filming but she felt uncomfrontable of her ID being tooken into a different room she felt discrimination. XXXX XXXX the XXXX over XXXX gets involved says please send the video we don't tolerate this he watches it and then cancels my account. I am shocked to read this letter. He also tells me all of your staff and you don't go back to the XXXX branch and you don't know all the story these girls are not telling you everything. Well I told him I walked in stood at check out reception clear XXXX minutes they are laughing and the receptioninst goes to Karens XXXX never greeted us we just stood there me and my Mother that also works for me so I go threw the drive through and make a complaint I couldn't get anyone to service us I was upset so I called XXXX XXXX and he told me go to another branch I told him why do we have to go to another branch we have not done anything we have recieved poor customer service why are you overlooking this. Then by suprise my account is getting forced closed. I am hiring a Banking attonery they said do this now to start this. This isn't fair and I shouldn't have a account closed all my bills and credit card system is through this bank. I feel like someone thats over the branch over XXXX XXXX can see This is poor management. I want to do everything I can to make this right. This is miserable I have so much going in and out of the account I can go to a different branch XXXX XXXX is closing it forced and its my money and it also says i will get a money order through mail theres over XXXX in that account. This is wrong.

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
To Whom It May Concern : XXXX, Transunion, and XXXX are still in violation of 15 USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given XXXX, Transunion, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are XXXX accounts being illegally furnished on my consumer report. 

I demand that XXXX, Transunion, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow XXXX, TransUnion, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By XXXX, Transunion, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. XXXX, Transunion, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that XXXX, XXXX, and Transunion need to remove immediately : Department of ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX  XXXX  XXXX ( XXXX accounts ) XXXX  XXXX XXXX  XXXX XXXX Department of EDU XXXX XXXX US Department of EDU XXXX XXXX XXXX XXXX  XXXX XXXX have also filed previous CFPB reports on XXXX, XXXX, and Transunion for the same issue and have been accused of using third-party assistance which has never been the case. XXXX, Transunion, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed 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 2019-06-25
Company: World Acceptance Corporation
State: TN
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:
I have reached out to World Finance Company multiple times by letter trying to settle this debt and have received no response. In the meantime they are continuing to report this account as closed/delinquent on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation