BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made my credit card payment on time to Bank of America electronically using the Bill Pay service at my personal bank in XX/XX/2018. My personal bank had an error in their system and did not send the payment even though I had made the payment. Bank of America reported this payment as late to the credit reporting agencies. My personal bank has call Bank of America several times and explained that I had made the payment, but Bank of America continues to report the payment as late.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022, I completed a CFPB complaint on XXXX, TransUnion, XXXX XXXX, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. PACER also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.

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 2023-08-25
Company: HYUNDAI CAPITAL AMERICA
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I had a total lost! The bank send a check but the bank never put the money and my account its being almost a year looks like they stole the money!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Added {$130.00} to vanillagiftcard Made online purchase for {$100.00}. Than later, tried making {$6.00} purchase ; it was declined. 
Tried checking card balance. A message appears that says system error. 
Not getting any answers. Going on day 3. I cant check balance and no one answers in customer service. 
According to XXXX. This is the number to financial institution. XXXX Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. 

XXXX XXXXXXXX XXXX  XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Upon noticing that Ally Bank was reporting a negative charge-off on my credit report. I sent them a certified letter requesting Validation of the unfamiliar account that they were reporting on my XXXX credit report, with notification that I was disputing the accuracy of the account. Ally failed to prove that they had the legal right to collect on the debt in question ; they were UNABLE TO VERIFY THE DEBT. In turn I received notification from XXXX Credit Bureau that the Ally account was deleted from my credit report. A few days later I discovered ALLY HAD STOLEN MY CAR. ALLY has violated my Consumer Rights as well as broken the Law. Under the Fair Debt Collections Practices Act, it clearly states that if a Creditor Can not Verify the debt they may not collect the debt or otherwise contact the debtor about the debt. I have enclosed corresponding documentation.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2021-09-25
Company: Chime Financial Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Over the last XXXX years my identity keeps getting stolen. 

First it was with XXXX, then I received a collections from paypal for $ XXXXToday I woke up and someone opened an online banking account with Chime. Also 3 years ago I had my snapchat hacked and my friends were scammed out of hundreds of dollars. snapchat has no customer service number, i had to create a twitter and tweet at them to get it resolved. 

im almost certain this is an ex girlfriend of mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a Bank of America account holder. I hold a joint account with my husband. 

XXXX. XXXX years ago, myhusband had a debit card linked to the joint account. It was never used ( as you can see in the acct history ) - it was removed from the mail, activated, locked, and placed directly into a safe no one has access to. The card was hacked. We got an alert that a charge was pending for the card and immediately called Bank of America to have the card reported/cancelled. I inquired howa card that has never been used would be hacked, they named various possibilities, to include someone in the home breaking into the safe and selling the card number. Living in my home, I knew this was a Bank of America security issue. 

XXXX. XXXX year ago, the same exact thing happened. His replacement debit card, which was never used, locked, and placed immediately in a safe was hacked ( by a fake merchant posing with a name link XXXX ). Again, there is no way anyone outside of Bank of America could have this card number. Again, I inquired how a card that has never been used could be hacked and the BoA associate again directed me to think about my home and how this could be occurring- including blaming my husband and insinuating he was doing this without my knowledge and also asked if we know any XXXX XXXXXXXX. This week, the same exact thing happened. His 2nd replacement debit card, which was never used, locked, and placed immediately in a safe was hacked ( by a fake merchant related to XXXX testing ). Again, there is no way anyone outside of Bank of America could have known this card number. Again, I inquired, in frustration, about how this could possibly happen. The card was locked and this time, the charge even went through- it officially POSTED to the account, for {$1.00}. The associate told me that maybe the mailman has a card reader. This is obviously illogical because a mailman could not coincidentally hack the XXXX cards that have never been used but never any other cards that are mailed to our house. 

We have other credit cards in the safe- none have ever been hacked except the XXXX Bank of America XXXX that NEVER has been used or has even left our home. My frustration has increased over time and especially with this most recent time, the THIRD time, when associates still will not listen that this needs to be investigated by Bank of America. This is not an issue occurring within my home. I have multiple bank accounts/cards. Never, have I ever, experienced anything like this with any other account. Based on that fact, and my statement that it has been locked in a safe and never used, I believe Bank of America, in addition to allowing the crime, does not do due diligence in investigating claims made by its customers.

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 2023-10-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : -- -- -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: AR
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:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge all credit history would be deleted. I've sent multiple disputes to XXXX  and each credit bureau that's STILL reporting and they REFUSE to remove them. This is becoming frustrating because I'm trying to repair my credit and buy a house but these student loans are stopping me. I've called them multiple times and sent certified letters to them with NO HELP. They told me they will keep reporting when they are supposed to delete them as stared on the letter. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SANTANDER HOLDINGS USA, INC.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello I have reached out to the credit bureau regarding account # XXXX for this account has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Santander also had a {$550.00} million dollar lawsuit against them stating, Santander will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. 

I need this removed from my credit report immediately. 

This account has also been on my report for more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a previous comlpaint, ID : XXXX, the following issues had been addressed : New Rez/Shellpoint Mortgage failed to pay taxes to XXXX County, Minnesota from my escrow account making me delinquent in my property taxes due, taxes were paid to City of XXXX, Virginia, New Rez/Shellpoint Mortgage failed to property record tax information provided by XXXX XXXX XXXX who originally granted the mortgage, New Rez/Shellpoint failed to take any action for several months so that the delinquent tax bill accrued interest. 

In XXXX, I was notified that the tax payment to XXXX XXXX, Minnesota had failed and that the first semiannual taxes remained unpaid. In addition, the second semiannual taxes were due on XX/XX/XXXX. Now, I am very much overdue for the first semiannual tax, and now overdue for the second. There has been no further communication since I submitted my documentation stating so. New Rez/Shellpoint must pay the taxes properly so that it no longer negatively impacts my life, credit, and future career as a lawyer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/XXXX, I went into the bank branch ( Bank of America, XXXX XXXX, XXXX, SC ) to cancel a recurring transfer transaction of {$3000.00}, when I realized that I couldn't figure out how to cancel the transfer on my mobile app. I told the woman there that I wanted to cancel not only the XX/XX/XXXX payment individually, but also the recurring transfer totally. I was assured it was cancelled. The XX/XX/XXXX transfer DID cancel. 

However, in XX/XX/XXXX I received an email that my recurring transfer was about to initiate. I went immediately in to the XXXX XXXX Bank of America branch, XXXX, SC. I wanted to both order a replacement ATM card and cancel the transfer. The " system was down '' so I got the replacement card ordered, but was told to call the customer service line to get the transfer cancelled. So I left the branch and called the customer service line and was told that though the transfer had begun to initiate, the money had not left my account yet so they would be able to cancel it. I reasserted that I wanted the transfer permanently cancelled. 

You can imagine my surprise when I saw that the transfer DID go through, despite my mobile attempt, in-person attempts ( twice ) and my telephone attempt to cancel it permanently, and their assurance that it WOULD be cancelled. 

This was a large transfer, and was the bank 's fault for not executing my cancellation properly. I was told it would be cancelled. So I called " customer service '' on XX/XX/18 and filed a complaint ( # XXXX, case # XXXX ). Initially I was told that it would take up to 45 days to resolve. When I reminded that them it was not an insignificant amount, it was XXXX, and IT WAS THEIR FAULT, they promised to resolve it within 5-10 days. 

It is now XX/XX/18 and when I called " customer service '' today ( XXXX XXXX, to XXXX ), I was told it was pending and could take up to 45 days. I reminded them it was a {$3000.00} transaction, not a {$15.00} one. This timeline is unacceptable, and when I was told this was just the procedure, I said I would take it up with the CFPB.

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 2022-12-29
Company: CORELOGIC INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 CORELOGIC CREDCO has accessed my credit report from XXXX, and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

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 2021-06-10
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to Gulf Coast Collection Bureau on XX/XX/XXXX. I did receive correspondence from Gulf Coast Collection Bureau in the mail dated XX/XX/XXXX. They failed to provide me with the requested information to properly and adequately validate this alleged debt, and instead they sent a copy of a patient statement from my medical records displaying the procedure that was performed on XX/XX/XXXX which I know is a direct violation of Hipaa regulations. Gulf Coast Collection Bureau has violated my Hipaa rights. I've never signed a Hipaa form authorizing them to have access to this information. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review as well as the original collection bureau bill, and original debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with explanation