BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
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: Account status incorrect

Complaint:
XXXX is allowing XXXX XXXX XXXX to attempt to double dip on their debt recovery. 

I paid them off. Last week. It said 10 days to notify the agency. 

I checked today it was updated, but theres still a balance. When I called XXXX, they said they have up to 30 days and they dont submit the information for removal from report until the last day. 

So they wont tell the company I paid, for at least 30 days. Then, they wont give me any contact information for the department that handles it. No one is a supervisor with that information. And they defer to policies, that if they are as they state them to be, completely illegal and superimpose conditions that make the initial contract worthless. 

I paid XXXX to have it off my credit by XXXX. Not for them to send information on XX/XX/XXXX, according to their agent that hung up in my face, and then wait another 30 days for removal. 

I know it can be done faster because Ive had it done faster as a consumer and I used to work for a debt collection company. 

Policies can not fly in the face of agreement and set law. 

Remove this from my account now, or lose payment altogether.

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 2023-11-16
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX  XXXX XXXX due to it's predatory lending practices have adversely affected me. 

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 : XXXX XXXX 15 U.S.C. 1681 Section 602 A States that 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. 

15 U.S.C. 1681C. ( A ) ( 5 ) Section States that no consumer agency may make any consumer report containing any of the following items 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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: Google Compare Credit Cards Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Attached is the representment from google to XXXX requesting dispute reversal. 

The representment provided by google also indicated on the Case Summary, that I checked marked that " Authentication '' is required for each and every digital content purchases, which google failed to follow and allowed those unauthorised and unauthenticated charges to go through. These were not reoccuring subsrcription, because there were none.

I did not authorize those charges that didn't have my password.

Google authorised those charges without my permission, thereby putting me in a financial hardship.

For the fact that I requested for password to be entered for every digital purchase, and google allowed the purchases without password verification against my request, I am not liable for those unauthorised charges and based on the compelling evidence provided by google that comfirmed what I have been crying all along that I never entered my password to authorised those purchases as I had indicated when I stored my credit card on my google account, I am requesting refunds to every unathorised and unauthenticated purchases. 

The purchases that have Password verified, I authorised. 

The purchases that have " User Opted out of Password '', Google authorised, and therefore Google should bear the burden and consequences for allowing such without my permision.

I do not wish for this to happen to any consumer, ever again.

Companies are bound to honor consumers request when indicated.

On No circumstances should google should have allowed those unauthorized purchases without my permission.

The Representment from google did infact show that Purchases that I authorized have password verified, and Purchases that I did not authorize have " User Opted out of Password Challenge Password '', which was never supposed to happen. 

Out of the numerous unauthorised purchases, google only refunded one of the unauthorised purchases, in the amount of {$49.00}, while over {$2000.00} in Unauthorised purchases are yet to be refunded by google.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The landlord involved in this collections goes by the name of XXXX XXXX and the collections agency is know as Professional Debt Mediation. These two teamed up on XX/XX/XXXX reporting an unjustified debt $ XXXX for damages that landlord used to retaliate against me for giving them a hard time as they were very unprofessional and had no due process in handling renters concerns/issues. XXXX of XXXX is when I realized both my partner and I had the new debt of {$1700.00} on our credit. I called into Professional Debt Mediation asking for proof of debt. The only documents they supplied me with were the lease agreement, itemized charges that landlord claimed were justified, move out inspection signed by partner where all categories were listed as to be determined at time of signing, and the original lease agreement. Since PDM could not provide substantial evidence I disputed this collection within 30 days of receiving debt validation. While doing this I asked for more supporting evidence again debt that is tarnishing my credit at this point ( specifically pictures, invoices from repairs, etc ). PDM agents were very nasty with me, even hanging up on me, repeating we dont have any supporting documents and you already dispute so you will have to take XXXX XXXX to small claims court. Life went on and of course the collections remained causing my relocation to be hell. $ XXXX higher rental rate, deposits, short term rental fees, relocations, etc. Fortunately on XX/XX/XXXX I received a emailed documents from PDM stating that they have discontinued pursuit of the account, as it has been returned to file. So of course I reach out asking what has changed. And the response from the PDM agent insinuated that they did not have enough evidence to continue pursuit, I responded reminding the agent that I have been trying to convey this to PDM but when calling in or them calling me, their main concern was collecting the funds without justifying the debt. Lastly letting the agent know I will be reporting PDM. I am also in the process of starting a civil suit against XXXX XXXX as they have illegally withheld my deposit and unjustly sent me to collections, tarnishing my credit for more than a year of suffrage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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: Personal information incorrect

Complaint:
ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


XXXX XXXX XXXX {$790.00} Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reference 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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/2023 I applied online for capital one auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over XXXX mins

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to hardship during COVID-19, we asked for a forbearance for our loan. Their terms and conditions state : " All unpaid monies are due in full at the end of the forbearance. For example, if your normal monthly payment is {$1000.00} a month and you enter into a 3 month forbearance, you will owe {$3000.00} at the end of the forbearance period. '' This is a predatory practice. America is hurting right now - and we are too. We will be getting XXXX stimulus from the US government, but I have a tremendous decrease in wages and my wife 's business is down also. Her bank for her business just moved two months to the end of the loan - which is fair. But Shellpoint 's practice should be illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
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: Account status incorrect

Complaint:
HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.

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 2020-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020 Capital One sent me a response letter from a previous complaint I filed through the CFPB. XXXX XXXX, stated in the letter that information needed to be submitted to get my accounts un restricted at Capital One. I submitted all information, XXXX has yet to reach out to me via phone or email regarding the accounts being un restricted and back to normal. All information was submitted that was needed. I never received a call from Digital Verification as stated in the letter. Again, all information was submitted that was needed. My accounts should not be restricted any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
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:
This is my other 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 items : 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 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 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the end of XXXX into XX/XX/XXXX, I had moved from XXXX XXXX XXXX XXXX to XXXX XXXX as I transitioned from one residential area to another. I had closed my account and sent what hardware belong to XXXX XXXX XXXX and still have the paperwork from XXXX saying it was sent. And I paid in full all debts concerning that account. After moving into the other residence, I choose cox, as my new internet provider. After one week or so upon receiving the equipment to utilize service, problems started immediately, the problems we faced were that we were unable to connect to internet services. I have equipment to measure the rate at which computers, type, devices are able to drawl from our agreed upon download rate that was XXXX mbs, I was recording XXXX and full on drop off of service. We had the technician come out twice and paid for him time. XXXX wanted to charge me for the service I WAS NOT getting. I called cox and spoke with a person that waved all the fees, and closed my account and told me as long as I send back the equipment that was theirs we could walk out separate ways amicably. I have the paperwork stating as such. 
Now I have a XXXX XXXX XXXX Ding my credit 105 pts and theyre asking for {$360.00}.

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 explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I got emails from my Bank, Ally, stating that I need to call them and that my account has been restricted. I can not access my funds nor can I see the state of my account. 

From XX/XX/XXXX to the time I have made this report I have called them several times. Originally daily until my bank told me to stop calling. Each time I called it resulted in them telling me this could last 30 days and that there was no resolution. In this time, I have no access to my funds. I can not pay my rent, insurance, car, and daily necessities. 

My bank refuses to work with me and has denied me access to my own money. They have left me with no way to eat or pay for my own housing.

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 2022-03-07
Company: BMW Financial Services NA, LLC
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : BMW FINANCIAL SERVICES Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XX/XX/XXXX XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been banking with bank of America for 37 years. I was a victim of identity fraud on XX/XX/XXXX I live in XXXX XXXX Ca. I feel bank of America isn't doing their part to protect me as a loyal customer. I've spent over 20 hours on their several 800 numbers and in person 3 times at the bank in XXXX, Ca. I did not authorize the use of my name or personal information or the debt on the account. I've been to the BofA XX/XX/XXXXXXXX XXXXro talk to the bank mgr. XXXX XXXX and 2 times after to talk to other reps. I was concerned that they would let these fraudulent charges go through, as the bank didn't file a report until the day after on the XXXX. I have never transferred money from my credit cards to my checking in 37 years, nor know how to. There were several transactions from my checking, to other accounts, to XXXX XXXX and XXXX. The bank told me they would give me a temporary credit on XX/XX/XXXX. They never did and closed the case and I had to reopen it. I am not getting any support and not getting any updates. I need some help. I'm XXXX and want to retire soon and these people took over XXXX XXXX out of my account. I need some help. I've already reported this to the FBI and to identity fraud and my credit report, which is a XXXX. Bank of America isn't valuing me as a customer and giving me the run around.

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