BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, While I'm not sure I can explain this the best via this contact form, I feel that many other people suffered from the same experience I went through and know it's a massive problem. When the Stimulus Check was applied to our Bank of America account 's, if they were in a negative balance, it was applied as a credit to the account, this credit was applied to be used, as in if you logged into your account the money would be there, if you spent the money, the account would use it. 

As a normal person, you'd assume the money existed. This wasn't the case. Even though I added funds to my account inbetween that, it wasn't until I was next to {$0.00} that it retroactively applied, then changed my account statement to show that the credit never existed in the first place, after almost two months too. It changed every transaction to show it didn't exist, which is very easy to prove, as if it didn't then multiple charges wouldn't have been approved. It was only after, when they deleted the credit and applied it retroactively that it shows negative balances on transactions. Transactions that would have never been allowed if they didn't create such a false narrative and allow people to spend money that they were going to take back and retroactively change statements with. 

To me this is a massive problem. Imagine being a consumer, struggling to get by, checking you account, thinking you have money, buying food just to have your account change overnight, just because they could circumvent the law by giving you " credit '' to just to take it back then hit you with multiple overdraft fees when it benefits them the most.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am in the process of purchasing a home and the XXXX  lender I am working with shared with me all of the information that was reporting on my credit report. Accounts both new and old are appearing on my report. Some accounts are negative, and some appear to be positive, but they do not belong to me. I am a victim of fraud! At the XXXX XXXX advisement I reported the crime to the police and filed an FTC report. I am sure the credit bureaus will investigate but I want all of these items removed from my report immediately. I have sent in dispute letters via certified mail, and I have called several times, but they ( XXXX, Transunion, and XXXX ) refuse to remove the accounts and inquiries from my report. According to the Federal Trade Commission, negative items shall be removed in 4 days. Additionally, after sending in the dispute letters with the FTC report attached, the credit bureaus have added on a collection account which is not mine which is severely hurting my chances of closing on this house. 

Transunion Fraud Victim Assistance Department 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 2023-04-16
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: Personal information incorrect

Complaint:
I have asked multiple times through mailing correspondence as well as over the phone, for the consumer reporting agencies to update my personal information as they are reporting inaccurate information on my consumer report which is in a violation of FCRA.

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 2023-03-04
Company: EQUIFAX, INC.
State: PA
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 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 2023-03-03
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XX/XX/XXXX, first payment was made to Caliber home loans on XX/XX/XXXX. Payment was never applied to my loan so when the loan was transferred to XXXX it was transferred for the full amount. I realized this and made my first phone call in XX/XX/XXXX. I I have provided a copy of the check that was cashed for {$2000.00} by Caliber Home Loans and also provided a copy of my bank statement where it shows the money was taken out. Ever since XX/XX/XXXX I been calling trying to get this issue resolved and now they are telling me theres nothing they can do because they cant access old files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complete Payment Recovery Services , Inc. is attempting to collect a debt on behalf of XXXX. We are a business and do use XXXX 's services but I've confirmed with XXXX there is no debt due and they do not use this third party to collect debts. In fact, if you drop or do not renew services then it just drops, no debt is owed. 
Complete Payment Recovery Services , Inc . 
XXXX XXXX XXXX, XXXX, AL. XXXX. XXXX. First, contacted me on I believe XX/XX/XXXX-20 by telephone, stating it was attempt to collect payment amount {$90.00}. I also received a letter a couple days later, and then a third call XX/XX/XXXX-20.

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 2023-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Reporting is incorrect, I was never late on the account. 
Please provide proof of late payment to justify the alleged late payment reporting. 
If you can not provide this, please delete from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.

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 2023-04-22
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: OK
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 been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-06-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not authorized this company to have access access to my credit report and I never heard about them and I have no business with them.

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 2023-01-08
Company: Complete Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A couple of months ago Complete Credit Solutions Inc. called me and the person stated he as an attorney for another company demanding me to verify my personal information via phone and acknowledge a debt owed... or else. He was very intimidating and threatening when I stated I am not verifying anything via phone due to scams and if I owe anything to any company they send it in writing. 

He hung up on me and I never received a letter or anything, however it just showed up on my credit reports. 

This company is violating many laws with their practices. I even sent a letter to request proof of debt I owe to Complete Credit Solutions Inc. as I never signed any contract with this company. No response. I demand for Complete Credit Solutions Inc. to remove this from all 3 bureaus immediately or I will have my attorney reach out to pay me {$1000.00} per violation.

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 2023-04-22
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:
When I review my updated credit report, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX : {$300.00}, XXXX XXXX XXXX Balance : {$690.00}, XXXX  XXXX XXXX  XXXX XXXX Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: MS
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:
I contacted each creditor and all told me that they dont have any information on me about the inquiries thats reporting on my credit report XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. If you cant verify please delete these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Under 15 U.S. Code 1681a ( 4 ), I, as a consumer, have the right to privacy, and it is imperative that this bankruptcy entry is removed from my consumer report. Failure to do so will compel me to seek financial compensation through the small claims court in my city and state.

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 2023-12-01
Company: EQUIFAX, INC.
State: NY
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 dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. After reviewing my credit report, I noticed an inquiry listedunder your company 's name. I would like to bring to your attention that I did not authorize this inquiry, and I am requesting that it be promptly investigated and removed from my credit report. 

Below are the details related to the unauthorized hard inquiry : XXXX - XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in a loan forgiveness program that didnt require me to make monthly payments. After a year I had to re-qualify for the program. During that process my account was in forbearance. I was never alerted that I was then required to start making monthly payments. Even though my income never changed from my initial approval. I now show 6 missed payments on my credit history and I would like those removed. I am now current with the company after being placed BACK in forbearance but they wont remove the 6 previous missed payments. Online it still says that Im in forbearance and that it will expire soon, so I should have no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: FL
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: AZ
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 and XXXX have violated my rights by the way of reporting fraudulent accounts. The list of accounts below are reported by XXXX and Experian and violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. which protects my right to privacy. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are the accounts reported by the above mentioned credit reporting agencies.. 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. 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 or 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. 

As a result of XXXX and Experian violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file 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 explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: FL
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 convergent account XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 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 602 A Section 2 : it also states consumer reporting agencies 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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureauXXXX XXXX bureauXXXX XXXXXXXX bureau-XXXX  TransUnion As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!

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 2019-01-23
Company: Experian Information Solutions Inc.
State: MS
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/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter 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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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