BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment account remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 


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 2022-05-27
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested multiple times from XXXX XXXX for them to not only post what I owe on my patient portal so I can make payments but for them to also mail me a breakdown and non of this has occurred. I was also told that a supervisor would reach out to me to discuss why they can't post it to my portal and resolve this issue and that also never happened. I do not want to be in debt, like everyone else we are all struggling, HOWEVER, I have the right to know where my money goes and proof which is why I want it on my portal AND have the right to make payments which seems like that is not what they are willing to do. I also have the right to ask for the breakdown of what I am paying for which also seems like they are trying to avoid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX CA XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX : {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1400.00} ; 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2022-11-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX CA XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXXXXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
According to the GrammLeachBliley Act, dated on XX/XX/XXXX I, XXXX XXXX, Consumer am aware that The financial institution which is in fact ( XXXX XXXX XXXX XXXX XXXX XXXX ) is in noncompliance with the GrammLeachBliley Act, which in fact fines are up to {$100000.00} ( per violation ). It is evident that XXXX  XXXX is furnishing my private information to the Credit Reporting Agencies and did not comply with The GrammLeachBliley Act and provide me with the appropriate opt out notice according to The GrammLeachBliley Act for me ( XXXX XXXX ) the consumer to " Opt Out. XXXX  XXXX is in consistent noncompliance with all my complaints and this is my last warning. Im aware that XXXX  XXXX is furnishing my account as 60 days Late in XXXX, 90 days Late in XXXX, and 120 days Late in the month of XXXX and XXXX of XXXX to the Credit Reporting Agencies when in fact there is only 31 days in XXXX and 30 days in XXXX. Thats very deceptive of XXXX XXXX. Im also aware that a Finance Charge is a sum of ALL charges According to The Truth In Lending Act. I demand XXXX  XXXX to remove EVERY and ALL Late payments from my Consumer Report. I demand XXXX  XXXX to Remove the status Charge Off from my Consumer Report because that is in fact extortion to me reporting Charge off on my consumer report. If XXXX   XXXX continues to report Charge off on my consumer report you will be in violation of collection of Collection of credit by extortion means 18 U.S. Code 894 which in fact carry 20 years of imprisonment sentence which XXXX  XXXX will get. I gave you the warning. I will take all actions necessary. Now do what is right, and stop extorting Consumers. It is not right. I refuse to allow my rights to be violated. I will make sure You be held accountable if you decide to not comply with my demands and hold XXXX XXXX accountable of your extortion your doing to me. My credit is important to me and it is my reputation, and your ruining my financial reputation reporting Charge off and I will take all legal action to protect my reputation. Do you understand me XXXX XXXX? My credit is important to me. Now correct all your errors. Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, my names is XXXX XXXX. I left three complaints, but none of them has given any results. 

With the help of you I got a letter from the Bank of America to call them to prove that I am the one who sent the complaint, so I did many times, but all my calls go directly to the voicemail. 

Can you please tell BOFA to continue my transaction to the XXXX construction company, because I have all the documents and official agreements. 

I wonder what the problem is with this transaction? Why is the bank in the US keeping my XXXXXXXX XXXX usd without any reasons and use it? Is is a fraud?? Shall I hire the lawyer? I shouldnt have a bank account in Bank of America, because I sent my money from XXXX to XXXX, BOFA is just an intermediary bank, which should continue this wire transfer without keeping my money and using it. Thats not correct!

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 2022-05-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX the company closed my account without any warning. I was doing some additional payments with my PayPal balance but a subscription was charged and then the payment didnt went through. I rescheduled the payment as soon as I realized the mistake and then paid with my checking account. It was an additional payment, Ive never missed a payment. By the time I got a letter they have already closed the 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 2023-04-27
Company: Experian Information Solutions Inc.
State: MI
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:
There has been a MASSIVE SECURITY BREACH of sensitive information that has effected XXXX XXXX accounts with the CFPB. This has happened nearly a month ago, and no one has attempted to reach out or say ANYTHING. All of the sensitive information has been requested to be destroyed, by an employee, which still offers no personal guarantee that everything has since been DESTROYED. Since then, the NEGAVTIVE ITEMS that I had has CONSTANTLY BEEN UPDATED DUE TO THE SECURITY BREACH. 
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX BANK ACCOUNT NUMBER XXXX This is indeed a Violation of Title XXXX XXXX XXXX. I demand these accounts be removed IMMEDIATELY. If not, I will File a Complaint with The, FTC, and the CONSUMER SENTINEL NETWORK, and I will also be filing a lawsuit. I can not have my rights violated anymore and I refuse to any longer.

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 2022-05-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent to Experian a dispute outlining an inaccuracy reporting on my credit report. The account reporting is a 30 day late payment. I have brought this account and the error being housed to Experian attention on several different occasions ( see attachments ). The response for each letter send has been untimely violating my rights and sometimes my letters were not addressed at all. The most recent response I received from the agency stated that the incorrect information on my credit report had been verified as correct. I immediately on XX/XX/2022 sent a letter to the company aforementioned asking them to inform me on what method did they use to verify the information as the FCRA Sec 611 ( a ) ( 5 ) ( A ) and FCRA Sec 611 ( a ) ( 6 ) ( B ) ( iii ) states in THE NOTICE OF RESULTS OF REINVESTIGATION section. I have not since received ANY response from Experian telling me the method in which the investigation was handled in order to come up with the conclusion it has. I can now assume that no such investigation actually occurred violating FCRA and 15 U.S.C laws. I know that the information this company has provided is false and a error had occurred on the end of the company involved because all of my accounts are on autopay. I also contacted the creditor and they were not able to provide me with proof of this information either. I have worked hard to receive the credit rating I have and am very confused as to why this error has occurred. I would like the correct information reflected on my credit report as I rightfully deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
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:
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 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 2022-02-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I initiated a dispute with Equifax representative XXXX ( # XXXX ) requesting an investigation into the XXXX XXXX XXXX account being reported inaccurately on my Equifax credit report. As of XXXX, I had not recieved a response from Equifax re : my dispute and the 30 day allotment given for the investigation had passed. Because I had not recieved a response from Equifax, I took the liberty of checking my credit report to see if changes had been made based on my dispute. Upon checking my credit report, I noticed not only had there been no changes made on the account that was supposed to be investigated, the account was not even marked as disputed so it appeared as if no transaction had happened on the account at all and Equifax elected to not investigate the account I had disputed. Based on Equifax 's lack of action, I decided to send a certified letter with a return receipt requesting their method of verification and proving they actually conducted an investigation into the account I was disputing. As per the FCRA, Equifax had 15 days to respond to my letter. It has been 15 days and I still have not recieved any response from Equifax, not for my original dispute, nor for my request for their method of verification. It has now been 60 days since I initiated a dispute with Equifax and I have yet to hear back from the bureau, and the inaccurate account remains on my credit report. I do believe this is a direct violation of the FCRA and my consumer rights were violated as well. Equifax was not in compliance with federal law and I do not believe Equifax ever conducted an investigation into the dispute I initiated in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Information belongs to someone else

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: WESBANCO BANK, 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:
Wesbanco bank. Continues to submit late notices. This is a sleezy bank, and Im filling with federal banking commission on fraud, lying, inaccurate info. 
Whenever XXXX XXXX you received something got it, XXXX a XXXX  from this bank. I owe nothing and will never pay this amount. I found out they wanted to charge a up front transmission charge if XXXX fee For opening credit limit. I said cancel credit line then. I received no, no XXXX. XXXX dollars from this bank. Letbthem prove what monies in received in order for late fee. I have two cal from 2 banks now and have no such thing. I didnt. Knowcsboutbthis gee until they.took 29 days to establish this. Their Liars and frauds, they will never got any late fee. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX in XXXX, Ohio did not provide me with a Notice of Rescission. Upon being informed with the 3 years after still not receiving such documents within the consumer credit transaction I have reached out to demand the Notice of Rescission to be given to me. I was informed by a sales manager that the state of Ohio does not honor the right to rescind. I have also researched the Ohio Attorney Generals Laws pertaining to Rescission and now informed that my title was supposed to be given to me within 40 days and was not. The phone call was recorded for quality assurance and I asked if Title 12 of CFR was in respect to my request and was denied of this. I believe this would be 15 USC 1611 knowing and willing violating my consumer credit laws.

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 2021-06-08
Company: EQUIFAX, INC.
State: AL
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 disputing XXXX XXXX with Equifax, XXXX, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX courts as well as Portfolio Recovery Asso. LLC which is the debt collector was aware of how to located me. 

XX/XX/2022 the above company was aware that I was the XXXX XXXX XXXX attorney, And per 15 USCS 1692 ( c ) communication in connection with debt collection talked about after attorney is stated they must only talk with the attorney representing the debt collectee. 

The above company was well aware of how to communicate with me since XXXX XXXX XXXX XXXX. They chose not communicate with me directly and instead communicated with the previous known address. 

There are many more violations other than the ones I wrote about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
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 ACCT XXXX XXXX, h

as violated my r ights. 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 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