BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: ID
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:
XXXX XXXX reported collections on XXXX and Experian. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. XXXX has XXXX collections from XXXX XXXX {$610.00} {$2300.00} Experian has XXXX collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Every month BOA is charging me a late fee although I make my payment on time. Bank of America is committing fraud every single month!!! I have tried to contact them to resolve they either hang up on me or state the charges are correct although i have proof every single month that i pay on time and they charge me a late fee every single month.

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 2023-10-19
Company: CBC Companies, Inc.
State: SC
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 HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX continues to improperly report information based on their own internal policies while ignoring what the Consumer Laws dictate with respect to reporting information to the Credit Bureaus .

I have had conversations with PHEAA agents and when I explain to them that this behavior has the potential to generate fines against the agency, the PHEAA agents pretend to act like what I'm telling them is not correct and that their agency could never do anything like this ( WITHOUT INVESTIGATING MIND YOU ). Agents who I've spoken with over the phone most of the time sound as though they are completely new, incompetent, careless, eating while on the phone, having a bad day and taking it out on the consumer who just wants legitimate answers instead of 1st grade reading level answers, or even people who get upset when I ask why they're having a bad day. CFPB Reps, you should hear some of these agents on the phone. I'd be interested to know how many of them actually abuse controlled substances in the workplace. 

PHEAA has openly admitted multiple times to me that the payments that are made through their online portal ( with the use of a valid checking account ) would take 2 business days to process. When I ask them if they consider the payment paid on the date it was submitted, they claim no. When I ask them what would happen in the event that this action occurs right as the month ends, they admit to reporting inaccurate credit information, and that if they do and find that the payment was posted on the day it was submitted after their 2 day processing threshold, that they would reach out to the Credit Bureaus to fix the mistake. This means that they are violating the law. The agents who respond to this are also violating the law by allowing the reports made by consumers to go un-investigated as clearances require oaths. Financial Entities can not just misreport information to the Credit Bureaus because of their own policies that contradict statutes set forth by the US Government. 

Again, PHEAA acts like these complaints I make against them are ridiculous, as they've stated in the past. Unfortunately, these complaints are necessary to keep the company accountable. As of this complaint, the company still refuses to act appropriately when responding to complaints by failing to provide all information to every single aspect of a complaint. PHEAA selectively answers only some questions while completely ignoring others.

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 2023-10-02
Company: WELLS FARGO & COMPANY
State: NC
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:
You had already made them give me my money back for the XXXX this time they took XXXX? Overdrafting my account {$500.00} this time. I just wan na point out that if they say, That they didnt have the new card to run the {$35.00} ( that we agreed upon from the very beginning and spoke about after they return those illegal withdrawals, many times, to continue my payment plan. But if they didnt have the new card number, then how did they withdraw a new amount? If they didnt have the new card to continue the payment plan. Id like to stop any payments with this collection company until they figure out how my cards being used on different dates. When you make a payment plan it withdraws each month on the same day. My payments were withdrawn multiple times each month on different days, never the same day! But payment say payments and purchases, say purchases they tried to pass off purchases as payments. Just want to point that out. As well as this has caused me homelessness because this is my debit card. I lost my job also because of trying to handle this unauthorized payment. And now theyve done this again during the time I dont have an any income. I am supposed to travel to XXXX different states for court and it has now hindered my ability to not only go back to North Carolina to renew my registration for my vehicle but I cant get things fixed on my car to get down there because this payment was taken out, I cant pay my car taxes because this payment was taken out and it takes too much time to return the money. Now this is both Wells Fargo allowing this payment when I havent authorized it. But also XXXX XXXX  so Wellsfargo should refund the money and ask them whats going on because they are allowing me to be targeted never had a problem before until XXXX XXXX and XXXX XXXX and XXXX XXXX stole my cards and allowed this along with the doj and fbi as a means to keep me homeless and car-less and jobless bc they are all going to prison and I have a enough cops to sue, do you really want me suing your company?

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 2022-12-28
Company: Bread Financial Holdings, Inc.
State: MO
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 account # XXXX, has violated my rights 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish an 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt. 

This is the XXXXIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my 1 ) bank did not attempt to collect a debt, 2 ) the Collections Company has not sent any communications and 3 ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX  and it states as such on the credit report. 

The Bank has not information to give me as I do not have an account number to give them.

I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute.

- I am not a petitioner in any pending bankruptcy petition.

- This account has not been discharged in a bankruptcy.

- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute.

Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site.

I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back.

Being sent to 1 ) collections and 2 ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.

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 2023-05-11
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 don't have any late payments or any missed payments. Yet TransUnion and XXXX minus points off my credit score constantly. Recently one took XXXX points off my credit score and the other XXXX points off my credit score stating something about my XXXX 's charge which had been paid off XXXX before they took the points off. The amount on the XXXX 's XXXX wasn't even due let alone late or missed! What is going on? Ever since the pandemic started both National Credit Bureaus are crazy with constantly making up reasons to take points off my credit score. The credit bureaus are weaponizing my credit score against me for no reason. I have two charge cards at the moment XXXX 's and XXXX XXXX and both are paid off. How do I get the National Credit Bureaus from harassing and trying to intimidate me? What Federal Agency over sees the credit bureaus?

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 2022-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX 3 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 a account without my written instructions

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 2022-12-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Dear XXXX XXXX XXXX, I am exercising my right under the Fair Credit Reporting Act, Section XXXX, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per Section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 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 2023-07-24
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT RESURGENT CAPITAL SERVICES : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Resurgent Capital Services. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2022-12-28
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:
The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # 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 explanation
Consumer complaint received 2023-07-25
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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation