BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: BHA Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by BHA the purchaser of a debt from XXXX XXXX. We are happy to pay the matter. They sent an email with a link that is requesting far more information than the credit card. 
I advised the company the link was not working and then was told it would be fixed in a week. 
As of yesterday, I started to be called a harassed by XXXX and XXXX regarding teh very matter indicating the only way to pay is I must provide all my personal information. 
As I advised them I am happy to pay the matter at the specified amount of XXXX in receiving that I would be given a settled in full letter. They insisted they needed all my information and kept calling me while I was at work. This morning call took the cake I called to try to get some real details and then was asked really sketchy questions. What do I do for work. Why do I do that work etc. CFPB can you contact this company have them to be forth right with providing the proper tools to care for this matter. And or look into there practices of and tactics as there should some sort of investigation done in this matter. 


see the email see the link that is shady Name : Original Creditor : XXXX XXXX Our Account # : Original Account # : Payment ID : Total Balance : {$2200.00} Dear Mr.Mrs., In an effort to liquidate the balance of the above-mentioned account, we have been authorized to offer you a settlement in the amount of {$1700.00}. The settlement is to be paid in one payment no later than XX/XX/2023. 

You can pay online at www.bhabillpay.com ( using the payment id listed above ) or you can give us a call at XXXX and one of our Professional Account Managers will be happy to assist you. 

We do not charge any payment processing fees & All Settlements are updated as Paid in Full. 

Upon successful receipt of funds, this office will submit a closing report to our client for credit reporting purposes. This offer will become NULL & VOID if not paid on or before the due dates above. 

BHA Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is an attempt to collect a debt, any information obtained will be used for that purpose. 


This is a communication from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-10
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a huge problem with LexisNexis, they can lie to insurance companies about anyone so the insurance co can charge you more money. This is fraud in the worst way because it's legal and nobody cares who it effects. My insurance premium has been adversely affected by LexisNexis with no reason code or description. This must happen to millions of people for homes, vehicles, boats, motorcycles and more. This co needs to be put out of business. How can they do this to our Veterans and the most financial secure people in this country. They have been getting away with this for years. I wish I could sue them for every extra $ XXXX had to pay over the lowest available premium. Lets see what all my years of Tax money can do for me and my family and countless others ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: UT
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:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I resolve the solution with bank of america i still cant open up a account.

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 2022-05-06
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 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 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 2022-05-06
Company: Experian Information Solutions Inc.
State: NV
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:
Hello My name is XXXX XXXX, A federally protected consumer. Im submitting this complaint in response to Complaint XXXX in regards to Experian for violating my rights to privacy and fraudulently debt parking information on my consumer report. This original complaint has been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Experian has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, Experian, XXXX ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2023-02-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: GA
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, trade-line reporting on my credit report when the trade-line is not my. Every time I dispute the account the balance increases and the 7 year drop off mark increase also. The1st negative date change from XX/XX/2016 to XX/XX/2016.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-02-22
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received first notice on this account. I did not open this account I think it may have been my brother in law who stole my information when he was living in my basement. I have asked for proof of my signture for.entering into this debt.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All XXXX of the bureaus have had over XXXX  days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Focused Recovery Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FOCUSED RECOVERY SOLUTIONS is being unfair and negligent. This company has RE-AGED the account and is reporting discrepancies across bureaus. I sent them a debt validation letter back on XXXX. 

They failed to respond or even mark the account as disputed. They didn't even investigate the disputes. Basically, I was ignored by this company. 

I am disputing the following item on my report : Account information : Opened : XX/XX/2015, High balance {$56.00}, original creditor : XXXX XXXX XXXX, balance {$0.00}. 

I am willing to take this to the next step by filing a small claim against the company because they have committed multiple violations against my consumer rights.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: GA
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX  Balance : {$0.00} ; 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
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: MD
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  Account # XXXX XXXX XXXX XXXX Account has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint involves TransUnion credit bureau and XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX falsely reported 90 days past due to my consumer credit file [ together ] with TransUnion. When I attempted to submit my DISPUTES on XX/XX/XXXX and early today, XX/XX/XXXX in response to XXXX XXXX XXXX XXXX 's fraudulent reporting ( 90 days ), my TransUnion consumer account would NOT allow me to submit my DISPUTE against XXXX ( with a TransUnion message : " Dispute Temporarily Unavailable '' ). I am filing this " timely '' DISPUTE, against TransUnion and XXXX XXXX XXXX XXXX [ together ]! I have kept, my XX/XX/XXXX car payment receipt. Technically, my XX/XX/XXXX payment isn't late until XX/XX/XXXX. In XX/XX/XXXX, I requested a deferment of my XXXX car payment via MrXXXX XXXX XXXX, President. He responded via an emailed transmission. I responded to his emailed transmission via USPS Certified Mailing with RETURN RECEIPT REQUESTED! IT IS MY POSITION, THAT LOCU employee 's ARE UNLAWFULLY PRACTICING SYSTEMIC DISCRIMINATION/HARASSMENT/RETALIATION based on my race, age, sex, disability, previous filed CFPB Complaints, XXXX filed complaints, financial status, financial hardship, and all other applicable violations ( i. e. FCRA ; ECOA ; Civil Rights violations and etc.. ). Prior to XX/XX/XXXX and after XX/XX/XXXX I have kept all of my receipts and documented emailed transmissions from XXXX. It is important to record, XXXX have reported fraudulent information to ALL consumer credit files. XXXX, have even breached agreement with me by assessing a {$40.00} late fee from each of my monthly car payments regardless of me paying timely or NOT! I AM DISPUTING, ALL OF XXXX DECEPTIVE TRADE PRACTICES! XXXX HAVE REPEATEDLY REPORTED TO LOCU THAT DUE TO EXTENSIVE JOB LOSS AND COVID-19 ( A NATIONAL PANDEMIC ) OUR PAYMENTS WOULD BE LATE OR SHORT SOMETIMES! HOWEVER, XXXX HAVE REPEATEDLY PRACTICED DISCRIMINATION, [ together ] with Experian, TransUnion and Equifax INSTEAD! I will fax any and all supportive documentation to CFPB for the sake of this complaint! IT IS IMPORTANT TO RECORD, THAT XXXX XXXX XXXX, ISN'T A MEMBER OF XXXX AND HAVE NEVER BEEN A MEMBER OF LOCU! VC @ 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 2023-06-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I had an unauthorized hotel charge a month in advance of the stay in the amount of {$1000.00} which placed my Navy Federal account into the negative, the hotel has cancelled the reservation and release the funds on there in but NFCU will not make my account positive until XX/XX/XXXX or XXXX per XXXX a supervisor today ; which has placed me in a financial hardship while traveling out of town. 

I applied for over draft protection for a second account before XXXX XXXX and a debit card associated with the account the rep assured me she was moving forward with placing overdraft on this secondary account effective after the holiday I received the debit card but find out today the overdraft protection was never set up on this second checking account, this could have eased my financial burden due to the unauthorized {$1000.00} charge and the primary accounts negative status, but to no avail. 

Audible has apprised me they have sent back additional monies to my Navy Federal account which NF indicates it is still not showing which amounts to over {$200.00}.

I have an accident claim which has paid and will post {$350.00} to my account this money could give me relief but it will fall into the negative account NF has been unwilling to resolve in a timely manner. 

In as much as I have submitted documentation to Navy Federal Credit Union showing the XXXX XXXX was cancelled and spoken with a supervisor NFCU refused to take additional mske my account positive my deposit of {$350.00} came into my account which would have assisted me while out of town but now my money is gone devoured by the black hole of a negative unauthorized account that NFCU refuses to resolve. 

I never removed the oops off of my second checking account in XXXX the supervisor today did not try to help me submit the application for it again although her colleague failed to do so last month ; she stated I could not apply because my account was in the negative well ego has it this way? Navy Federal its double jeopardy. I have been with them since XXXX and are very disappointed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  Account # XXXX XXXX XXXX XXXX Account has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  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 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