BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Dear sirs I am writing this letter to explain why late payments were made to ( XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX ) from ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ). 
Meeting my financial obligations is very important to me, and I regret that this negative situation ever occurred. 

When I was an XXXX XXXX in ( XX/XX/XXXX-XX/XX/XXXX ) I was working for a XXXX XXXX   with a minimum wage, and my family from XXXX XXXX were helping me financially. In XX/XX/XXXX,  XXXX went into a war with the XXXX groups ( XXXX ) the country went into financial Crises. During this time, my family 's finances were strained they couldnt help me anymore, I lost my scholarship and my Minimum wage income was enough to pay for my rent and daily expenses. Even though I tried very hard not to miss any payments but it was hard. 

I am thankful to report that I after my graduation I have been working at a new position for over a year now. I have paid off all of the past-due account, and I have been on time with all my payments. 

I would like to Dispute those late payments, with the explanation of the humanitarian situation I was in out of my control. 

Thank you for considering our dispute. As you examine my finances, I'm sure you will see that I am very capable of making future payments on schedule. 


Sincerely, 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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # : XXXXXXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX  acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # : 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2021, there were two unauthorized ACH payment refunds on my account in the amount of my XX/XX/2021 and XX/XX/2021 payments. I pay my card down at the end of each month. The XXXX payment was for {$630.00} and the XXXX payment was for {$490.00}. The ACH payment refund transaction added those amounts back to my bill. I have one bank account linked to this credit card, and the ACH payment refund was not paid back to my bank account. 

When I called to talk to Bank of America to resolve this issue, they said that it could take up to two billing cycles to investigate the claim. I am worried that I will be charged interest on the balance while they are taking time to investigate the claim. They also would not tell me where the ACH payment refund was sent. 

It has been tricky because there is no credit card 'transaction ' to dispute in their system. It only allows you to dispute charges that you made, not refunds that were sent out. I have requested a new card number because I believe that my account has been 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 2023-08-17
Company: EQUIFAX, INC.
State: MO
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 requesting for the removal of this inquiry from my credit report, which was inaccurately reflecting my credit history due to identity theft. I never visited or inquired about this Bank/ Company , Pursuant Section 605B. Please remove this inquiry. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the inquiry along with an explanation of the situation : I did not open or authorize the inquiry listed above. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent inquiry, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for Equifax credit bureau to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once this fraudulent inquiry has been removed : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
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 am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX is claiming that this statement is there because of XXXX XXXX XXXX. However, I have never made a late payment with XXXX XXXX  XXXX since my loan was transferred to the company. They claim they investigated this matter and XXXX claimed that this information was true. The document provided from XXXX shows my actual payment amount in some places incorrect. All payments through XXXX XXXX  are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to XXXX XXXX  have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If XXXX XXXX  is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with XXXX nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with XXXX XXXX XXXX for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.

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 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Bank of America checking account was opened in my name fraudulently

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 2023-02-07
Company: Experian Information Solutions 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:
took longer than the require time and not paying the disputed amt

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Inquiries Needs to be removed do not have an account XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments Needs to be updated to OK or Paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-27
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: Their investigation did not fix an error on your report

Complaint:
I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today XX/XX/2020 at XXXX XXXX  a man named XXXX XXXX phone number XXXX called my office phone. He then stated that I would be served at my job and arrested! I asked him to not call my work and he then called back anonymous and asked to speak to my supervisor?? He then proceeded to call several of my co-worker 's extensions harassing them. Not sure how he knows all my co-worker 's names but he does and their phone numbers too. I asked him to not call my work and he called 4 times back to back to back harassing me and my co-workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
With Experian - XXXX. XXXX spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX corner, SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had XXXX account with them. It was paid through debt consolidation. 
XXXX. There are XXXX reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under XXXX name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With Transunion - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and XXXX state as current. The only XXXX correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.

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 2019-02-12
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company never notified me of regarding the collection I had in their office, which is violation of the FDCPA. I reached out to them on a voluntary basis after speaking to the original creditor and being informed by them that my balance had been submitted to National Credit Systems. I have made numerous attempts to reach out to them in order to voluntarily setup a recurring semi monthly arrangement to resolve my balance. On all occasions I have spoken with XXXX. XXXX XXXX and she has been nothing but rude and inconsiderate. She has refused to accept payment from on 4 different occasions twice of which were on a recorded line. I did advise her that the line was being recorded and expressed that I would like to set an arrangement to resolve my balance however I could not afford the amounts being offered by her. XXXX. XXXX used very aggressive and intimidating tactics in attempts to collect the balance from. She even went as far as to deadline and say that if I didnt pay my balance by XX/XX/XXXX that they would be placing it on my credit report. I question as to how this could be done when they have never even notified me of the balance being in their office and she advised that if I didnt pay by then the damage would be done. Again I know that I cant be deadline as to when this will be applied to my credit report or threaten by damaging my credit in order to coerce me to pay. This is yet another FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 explanation
Consumer complaint received 2023-06-10
Company: MOHELA
State: MN
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 accordance with the Fair Credit Reporting Act, MOHELA/XXXX has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card accounts under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The first conversation with Convergent Outsourcing Inc. was done on XX/XX/XXXX at XXXXXX/XX/XXXX. The debt amount was for {$2300.00}. Talking with agent, she said they will accept {$730.00}. I did not have that amount available at that time. Therefore, I called the next day, Tuesday XXXX of XX/XX/XXXX. I spoke with an agent and we agreed that I was going to pay the {$730.00} the amount that I had talked with the other agent the day before. When I was ready to pay he asked for my bank number or debit card. I wanted to pay with a cashier 's check so I had the cash on hand. I told the agent I had to go to the bank to deposit. At the bank I talked to the staff and they let me know that the fact that Convergent did not want to accept a bank cashiers check raised a red flag. 
I then proceeded to call back to Convergent to let them know that I would be paying the amount of {$730.00} using a cashiers check. I told the agent I was not comfortable giving my bank account or debit card. I was concern with fraud issues. I wanted some paperwork for my records. I also asked for a letter or email that stated in writing that Convergent had agreed to the amount before I send payment. They refuse to send me any letter or email that they would accept the amount as paid in full. And that the only form of payment was with back account, debit card, or personal check.

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