BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I set up a payment arrangement with FTB ( franchise tax board ), to make payments towards my CA state income taxes, starting in XX/XX/2022. I received a threatening letter that my arrangement had been terminated and full amount was due immediately. I called they said BofA rejected the payment request and I defaulted. I knew that was a mistake so, I called BofA and I was told there was no record of the attempt. I called FTB and they said well, it was and I gave them another checking acct to take it out of.. they assured me that it would start again XXXX XXXX unbeknownst to me he was taking it out of BofA again, which shouldnt have been a problem, until I received another payment arrangement termination. I called BofA again, this time ( after I was told no record of attempt, but after further review ) there had been a stop payment/ hold on XXXX XXXX. Which was a huge surprise to me. Meanwhile, FTB has said I can no longer use BofA and there has been XXXX ( XXXX ) {$34.00} processing fees attached to the amount already owed to FTB. I asked BofA how did that happen, they couldnt explain if it was a fraud issue ( which I do not recall claiming fraud ) or I requested a hold ( which I KNOW I didnt do. ) now FTB says I need a letter from BofA explaining the hold had been removed and in order to have the fees waived I need them to also state i didnt request the block or it was a bank error, which Bof A wont do. I cant on my own get anywhere with this problem.

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 2021-07-08
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX  Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : 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 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio Recovery in Ohio. I lived in Ohio over 13 years ago. I had a debt I incurred in Michigan. Taking care of my parents it was costly. Portfolio Recovery sued me in Ohio which had no idea about. 2019 then last year sent court order to my county in Michigan to sell my house then they garnished my checks. I got a lawyer to pay them back XXXX a month. 

Also receiving other letters from other collection companies saying they are the attorney general in Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
They gave me a loan for a car thats not even worth XXXX dollars and I been having issues with the car ever since been in contact with credit acceptance for months I talked to them yesterday XX/XX/XXXX and they said I have to pay to get my car home and they also said that If they auctioned it off I would still have to pay the remaining debt left and this after I voluntary repossess my car cuz the transmission failed and they said yesterday they have no knowledge of the car having problems which it has been having for years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Lloyd & McDaniel, PLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a charged off account with XXXX XXXX dated back in 2018, after several attempts both XXXX XXXX and I had agreed to settle the account for less than what was charged off. XXXX XXXX had a law firm by the name of Lloyd & McDaniel representing them. It was agreed upon payment that once I paid the balance that they would remove the negative account from my report. I have tried several times to communicate with XXXX XXXX and let them know this negative account was still reporting on my credit report after I had paid the agreed balance. Now XXXX XXXX is telling me that they do not do pay for deletes, but it was agreed upon with their lawyers and sent that agreement to me as well. XXXX XXXX was willing to work with me and help me remove this negative item, now years later they are saying that they will not do such or that they can't " find '' that agreement that would remove this negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am not getting responses from the credit bureaus for the following accounts I disputed several times : XXXX Account # : XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : 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 2022-10-04
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:
I have reached out to each reporting agency for a resolution but was not able to achieve one.

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. 

Account name and number XXXX XXXX Bank ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), Professional Finance C ( 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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 explanation
Consumer complaint received 2021-05-18
Company: Winklevoss Exchange LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I joined Gemini as it was said to be a highly trusted company in many reviews. After giving it a try and depositing money they have froze my account. So while they have my money i cant do anything with it and cant withdraw it. I have been trying to contact them via Email and XXXX for over a month and they dont repond. the phone number is fake. After getting on XXXX, reviews from app store on phone, and many forums i now realize they are doing this to many users and some have been trying get them money back for 6 months now. This website is a scam and after i get my money i will never deal with them again ever. 

Gemini Trust Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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: Account information incorrect

Complaint:
On XX/XX/2018, I reached out to XXXX, about why my payments were not getting credited, I was making payments and they would never arrive to my checking account. Upon verifying this issue with them we discovered that when my payment account was updated the account # was mistyped by 1 digit. I was told by XXXX in Customer service to attach a copy of my bank statement and mail it to them along with a letter of the call that took place and they would remove the late marks on my credit report and this was done in error of the account # from my payment account being typed wrong. 

2 Months later, nothing has been updated. They have my account locked from making payments online thru their website and i either have to call it in, or use online bill pay from my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
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:
AS OF XXXX XXXX  I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX  Account type Note Loan Payment summary 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  - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$1600.00} Monthly payment - Last payment date XXXX XXXX XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, NY XXXX Phone number ( 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2020-09-30
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Card was stolen and all the money was used off of it. I reported the card stolen and ordered a new one. The card company then transferred me to the transaction dispute department and after 4 hours on hold the call hung up on me. I've called repeatedly to fix this issue and after hours on hold it hangs up and I never get to talk to a agent. 

Card was stolen a second time. Same issue as before XX/XX/2020 ATM Withdrawal/XXXX  XXXX XXXX XXXX Ok/XXXX/ {$100.00} XX/XX/2020 ATM Withdrawal/ XXXX XXXX XXXX XXXX OK/ XXXX {$200.00} XX/XX/2020 ATM Cash withdrawalXXXX XXXX XXXX XXXX XXXX OK/ XXXX {$43.00} XX/XX/2020 ATM WITHDRAWAL FEE/ XXXX  XXXX XXXX XXXX OKXXXX XXXX {$0.00} XX/XX/2020 PURCHASE/ XXXX XXXX/ XXXX OK/ XXXX {$32.00} XX/XX/2020. XXXX XXXX XXXX XXXX OK/ XXXX {$74.00} XX/XX/2020. XXXX XXXX XXXX XXXX XXXX/XXXX  OK/ XXXX {$47.00} XX/XX/2020 PURCHASE/ XXXX   XXXX  XXXX/ XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX FL/ XXXX {$28.00} XX/XX/2020 PURCHASE/ XXXX  XXXX XXXX {$27.00} XX/XX/XXXXPURCHASE/XX/XX/XXXXXXXX  XXXX OK/XXXX/ XXXX XX/XX/2020 PURCHASE/ XXXX XXXX  XXXX XXXX OK/XXXX/ {$20.00} XX/XX/2020. PURCHASE/XX/XX/XXXXXX/XX/XXXXXXXX XXXX OK/XXXX/ {$7.00} Everyday I have called my card company, been on hold for hours at a time and it always hangs up before I can talk to anybody

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/23 applied for XXXX XXXX which pulls from XXXX and its not pulling my report. I contacted XXXX and there is not any fraud alert or credit freeze. My XXXX score is XXXX according to XXXX XXXX. Please help me resolve this problem.

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 2023-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo Auto Loan Holders. I have had 3 cars that were paid by wells fargo bank and the bank is now being sued for lying to consumers : This provision applies to those with auto loans where payments were not applied correctly and might have resulted in higher interest or late fees, as well as wrongful repossessions. It also applies to those that paid for XXXX coverage ( covering the full loan after accidents or theft ) when Wells Fargo didnt refund money in some cases, as in when the loan was paid ahead of time. Auto loan holders are owed at least {$4000.00} as part of the settlement. 
Please file the formal complaint on my behalf. Thank you.

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 2023-08-20
Company: Experian Information Solutions Inc.
State: TX
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 come to my attention that there is information in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me and the consumer ; 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  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.

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 2023-03-28
Company: Absolute Resolutions Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2023, I discovered several drafts from my XXXX XXXX checking and savings account from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX  XXXX XXXX. for Absolute Resolutions Investments LLC and who drafted funds from my accounts without my knowledge or permission. 

The XXXX XXXX XXXX drafted {$310.00} on XX/XX/2023 and {$380.00} on XX/XX/2023 from my checking account and an additional {$120.00} XX/XX/2023, {$19.00}, and {$4.00} on XX/XX/2023, from my savings. This money was to pay my bills. 

I was unaware of any judgements against me until these payments were drafted. When I reached out to XXXXXXXX XXXX XXXXXXXX XXXX. to discuss validating the debt that also has the wrong account number fand is past the Texas 4 year statue and they failed to do so. It was also discovered that the Process Server that was used by XXXXXXXX XXXX XXXXXXXX XXXX. forged the citation document claiming to have served me. I filed a complaint with the XXXX and an active investigation is pending. My accounts that I had in good standing are ruined as a result of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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: Public record information inaccurate

Complaint:
CREDIT AGENCY IS REPORTING CHILD SUPPORT OWED WHEN THE COUNTY/STATE DOES NOT DIRECTLY REPORT TO CREDIT AGENCIES WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.

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 2022-02-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern : This complaint is in response to Equifax 's claim that the XXXX XXXX tradeline starting with account # XXXX reporting to my Equifax file has been verified in being reported by XXXX standards, 100 % accurately which it is " not ''. I have disputed this credit entry with this particular bureau over the last several months to no avail. I highlighted the fact that Equifax has been falsely reporting payments on this tradeline months after the account has been paid and closed out ; I received a notification today once again from one of the proprietary credit monitoring services for the new month here in XXXX reflecting another payment posting to an non-existent account. I attached the XXXX report to this complaint as example to show that the account has been paid and closed in XXXX of XXXX. The XXXX file still falsely reports the term on this account as " 81 '' months when it was actually 72 months ; but yet it shows the account status as " Paid, and Closed '' with a " 0 '' balance and no payments reporting after XXXX of XXXX. The attached Equifax reports, online and mail, printed report as well as digital, both reflect the same inaccurate information. Equifax reports the status of this account in XXXX of XXXX " Pays account as agrees '' which falsely reports the tradeline as being open, even though the account status reports the account as " closed ''. Equifax reports this tradeline as opened and closed simultaneously. On a tradeline that was paid off in XXXX of XXXX, Equifax reports payments being made in XX/XX/XXXX through XX/XX/XXXX. My XXXX report will reflect a XXXX payment once it updates. The Installment terms are also missing. How is Equifax able to gather all of this detailed information about this account without a term? They report this account as going on forever. The documents I provided all share the same account number across both bureaus as this is one account, yet Equifax reports conflicting inaccurate, unverifiable information and fails to update or correct the entry once being notified. " Do Not '' forward this complaint or my dispute to the furnisher. The legal counsel for XXXX XXXX during pre-trial in Federal Civil case, XXXX XXXX XXXX XXXX XXXX case Civil Action No. XXXX has already certified and provided documentation showing that their client did not initiate the reporting of the inaccurate information that Equifax holds in reference to my credit file.

Company response to consumer: Closed with explanation