BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX and XXXX  credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$2200.00}

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 2021-05-09
Company: REMAX
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am reporting a complaint on ( Remax of XXXX Colorado ), because every-time I give them a copy of the CDC Moratorium they give me a notice to quit, but this time I have a move out date by XX/XX/2021. I have followed all guidelines for the CDC Moratorium, I have paid {$4500.00} in back owed rent so far, and I am at {$1300.00} because they are charging me a late fee every month I miss. I am tired of them doing this to me. I am doing my best to get caught up. but I feel like it's ( XXXX the tenant ) and kick 'em when their down. This is very frustrating to me, especially when I have told them I have nowhere to go. I was also referred to this website from the CDC to report this kind of activity. So that is why I am doing this here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: U.S. Auto Sales Inc.
State: SC
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 recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : US Auto Sales, XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023 American Express Bank Serve Card froze my account with XXXX benefits directly deposited through American Express National Bank XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX There is no one at bank to contact. The service center at XXXX XXXX XXXX can only state that the account is frozen and under internal investigation. As of today it has been two weeks without the ability to use my ssi XXXX funds. The amount in account is one months worth of benefit 's. This has caused me problems with late fees, overdrafts, unpaid bills, lack of food and necessities of life. I had a XXXX headache first time three days ago and i am now having XXXX XXXX that make me XXXX. I am XXXX and this Unjust act by American Express National Bank, by freezing my account without notice or reason has made me XXXX XXXX XXXX XXXX. The XXXX is almost unbearable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. 

Account name : XXXX XXXX. XXXX has violated my rights. 

Account name : 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 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my permission.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 non-monetary relief
Consumer complaint received 2020-07-28
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against 2 companies : American Coradius International ( XXXX, NY ) & XXXX XXXX XXXX XXXX, DE ). 

I, XXXX XXXX, received a letter dated XX/XX/XXXX from American Coradius indicating I owed a balance of {$3300.00} that had gone into collection from XXXX XXXX XXXX XXXX Since I have never had an account with XXXX, I filed a complaint with the XXXX   and American Coradius quickly indicated that no debt was owed. I did not take it to the CFPB at that time since they fixed it. 

However today, XX/XX/XXXX, my wife, XXXX XXXX, received the exact same letter in the mail only it is for the amount of {$1400.00}. She just disputed it to the XXXX on her behalf to hopefully have that balance removed as well. 

If you go to the internet and search up this company, the first XXXX auto-search shows " XXXX  scam '' so obviously this is a real problem. Their mailing address on both of the letters say : XXXX XXXX XXXX XXXX, TX XXXX That address on XXXX XXXX looks like a shack in the middle of nowhere. 

The second complaint is against XXXX XXXX as I, XXXX XXXX, received a collection notice for XXXX in the amount of {$46.00}. Coincidentally, that letter is also dated XX/XX/XXXX just as my wife 's was dated. Both of these were sent to our home address. 

If you XXXX XXXX XXXX, a similar auto-result shows up indicating " XXXX   Scam ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I purchased this property and had no issues initially. Then the lender started causing issues with my homeowners insurance. They cancelled not on, not two but three different policies. Each time failing to make the payments to keep the policy active. They then added a lender policy which is more than 3 times the cost of my other policies and provides ZERO persona property coverage. They have admitted to their errors, claimed they would fix it. Claimed they would not report me late to the credit bureaus or charge me late fees and they are doing both. As a result, my business lines of credit are being reduced and it is causing me financial hardship as I'm unable to work. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called XXXX XXXX. Sec. XXXX ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
ONCE AGAIN I XXXX XXXX STILL HAVE ISSUES WITH EQUIFAX 1. THEY ARE STILL LYING AND DE FRAUD ME IN MY CLAIM IN THE SETTLEMENT CLAIM ON MY CREDIT REPORT EXPERIENCE DID A EQUIFAX REPORT EXPERIENCE HAS PROVEN ON MY BEHALF THAT EQUIFAX DATA BREACH MY INFORMATION OUT ALSO HAS PUT ON MY CREDIT REPORT XXXX OFFENDERS ON MY CREDIT REPORT FOR NO REASON AT ALL IT SHOWS ON MY CREDIT REPORT AFTER EXPERIENCE THEN IT'S INVESTIGATION FOR EQUIFAX SHOWS THAT EQUIFAX WAS AT FAULTS FRAUDULENTLY LIKE SAID THAT THEY WAS NOT GOING TO PAY ME A SETTLEMENT EVEN THOUGH I CHECKED MY STATUS ON THE ON THE WEB SAYING THAT I WAS A CONSUMER WITH DATA BREACH MY INFORMATION WAS LEAKED OUT WHAT MUST I DO TO CONTINUE TO PROVE MY POINT ACROSS EQUIFAX KEEP DENYING AND CONTINUE DEFRAUDING ME AND WILL NOT PAY THE SETTLEMENT TO ME SOMETHING NEEDS TO BE DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions 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:
There is one account that is showing up on my credit report that does not belong to me I have tried to dispute this with all three bureaus as well as the furnsihers and they are not helpin me I need this off my credit report asap since it does not belong to me. 


XXXX XXXX XXXX  - Acct # XXXX Amt {$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 2023-02-03
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My monthly XXXX bill was {$10.00} every month until they put me on a new plan without my permission in XX/XX/XXXX. That new plan was {$50.00}. I had auto pay on my account so they took my money. I canceled my service, and they refused to send me a refund so I disputed the charge. They gave me a XXXX cent courtesy credit so they want {$50.00}. I received a letter from a collection agency today XX/XX/XXXX. {$50.00} is what the collection agency is going after.

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 2020-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has placed 2 collections on my credit report, for a medical company in Alaska. I live in Texas, not Alaska. I have disputed this several times with both XXXX and Equifax, and was told each time that the information has been verified. This is getting frustrating to the point that if I can't find resolution this time, I'll have no other choice but to file suit against them! All I want is for them to use common sense, as I can't be in Texas and in a medical facility in Alaska at the same time! This is severely affecting my ability to access available credit, so I hope you can help, as no one else seems to care what stress this is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: AR
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:
The following inquiries appear on my account. These were not made by me and the credit issuer was unable to verify that it was me. I contacted the credit bureau each time to make sure the security freeze was still active since no one tried calling me to verify. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX contacted company paid fraudulent charges to have it closed down. 
XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-01-03
Company: Experian Information Solutions Inc.
State: TN
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, Experian, 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 account information without my written instructions.

I am not currently nor have I ever been in receipt of anything from these companies asking for my permission to publish my information furthermore I have NOT given my permission to publish it. I have previously requested in a letter by US Postal mail dated XX/XX/2022 outlining my instructions for respect of my privacy under the law, this information can be found in the attached documentation. Month after month they have repeatedly ignored my request and is therefore in direct 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 non-monetary relief
Consumer complaint received 2023-06-27
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: Their investigation did not fix an error on your report

Complaint:
O filed a complaint with CFPB on XX/XX/XXXX for XXXX XXXX ( formerly XXXXXXXX XXXX XXXXXXXX XXXX ) on XX/XX/XXXX Experian claims the investigation was complete and the account was verified and updated. How could this be accurate when the account was paid and settled on XX/XX/XXXX?? Experian is negligence is costing my time and denials for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
TO WHOM THIS MAY CONCERN I PREVIOUSLY DISPUTED THIS COLLECTION ACCOUNT AND IT WAS CONFIRMED TO BE REMOVED, HOWEVER IT CAME BACK UNDER ANOTHER COLLECTION COMPANY NAME : XXXX XXXX XXXX XXXX NUMER XXXX DATE OPENED 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 2023-01-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved my old apartment back in XX/XX/2022 period I had fulfilled my lease and was on month to month I'd give him my 30 days notice received confirmation from the leasing office that they received it and when I moved I owe no money I received a letter in the mail mid XXXX from a collection agent agency saying that I owed money for a balance that I owed to the apartments that I previously lived at which was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX then that was the only letter or notice that I had received at all regarding this issue I do not owe the debt and I collected contacted the property management company however they had ceased operations a month after I had moved from the apartments so no one can get a hold of them I contacted the collection agency to tell them that I did not owe the debt I sent them bank statements receipts that I had gotten from the apartments for all my rent the 30 day notice I had turned in I submitted all Communications I had received to and from the apartment 's emails texts and letters and I dispute it with the credit bureau however I've received no help and they have ruined my credit but I do not owe this debt the property management company simply said I owed a debt and immediately sold it to a creditor which didn't contact me and immediately then place it on my credit report I have filed with the XXXX  and Attorney General 's office but still have received no solutions to this problem I do not owe this money I can prove I do not owe this money please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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: In progress
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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