BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/2022 Transworld Systems Inc. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX To whom it may concern, While living at XXXX XXXX XXXX in XXXX, Iowa I experienced many abuses of authority. The first was retaliation after I complained about animal XXXX in the common building areas. Shortly after my first complaint to the property managers I began to receive notices that my apartment home was too noisy. The other abuse of power was the property manager ending my one-year lease without me having a day in court or sufficient notice. I was notified on XX/XX/XXXX that I needed to vacate the unit on XX/XX/XXXX. The property manager had maintenance and other men remove my belongings from my unit at XXXX on XX/XX/XXXX. I moved a half an hour away and by the time I came back to the building to load my small truck for the second time those guys had already removed my things, thrown my larger furniture items on the road and placed my other belongings in large black contractor trash bags. 
I was hurt, humiliated and afraid for my safety at the way they handled my move out. I do not owe XXXX anything. I will attach email communications between myself and property management staff where I notified them of the behavior of one of the maintenance team members as well as the XXXX in the corridor. As I stated before living in this apartment building was degrading and terrifying. My kids became sick with XXXX and I believe it could have been due to the large number of apartments people used to house their dogs and pets. I was forced to move into this unit ( the last available ) after an illegal eviction during the Covid 19 pandemic. 
The final abuse of power is the attempt to charge me a debt that I do not owe. XXXX did not notify me of any charges upon my move out or within 30 days of my move. The property managers also did not provide a move out inspection or review any charges to my security deposit. My mail was forwarded by USPS to my new address ( see attached ) and if they wanted to mail me a bill or anything they could have addressed it to the XXXX address at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and it would have been forwarded. In addition to the USPS proof of mail forwarding, I will also attach my proof of payment for the month. I do not owe XXXX XXXX anything further. They illegally evicted me and did not provide a walk-through inspection. They owe me for my belongings. They did not notify of any charges outside of my security deposit ( that they kept ) within 30 days. They have illegally and discriminately sent a large bill to collections. Please assist me In stopping these abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
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 complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with XXXX concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX  in the amount of {$52000.00}, dated XX/XX/XXXX and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. 

My credit card was declined on XX/XX/XXXX at XXXX. Later that same day, I called BOA and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXX BOA did a payment adjustment in the amount of {$520.00} on XX/XX/XXXX for the payment dated XX/XX/XXXX which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the BOA application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. 

Although the electronic payment was made on XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$520.00} pursuant to my phone call the previous day to BOA, another payment in the amount of {$520.00} was returned unpaid by BOA on XX/XX/XXXX for the payment dated XX/XX/XXXX. Bank of America had already done a credit adjustment for the duplicate payment of XX/XX/XXXX on XX/XX/XXXX which was shown on the XX/XX/XXXX statement. This was clearly a BOA error. I am being unjustly penalized due to their actions. See attachments. I made payments to BOA for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Thank you for your consideration of this matter.

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 2023-01-30
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. 

No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. 
Theres no proof that I owe anything, at all. 

I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones. 

Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable. 

Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. 

Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off XXXX XXXX written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have repeatedly tried to apply for student loan consolidation, but am repeatedly denied due to an incorrect report from Experian that I have a foreclosure or other negative account.   I have already issued a complaint with them and they claimed to " resolve the issue '', but when I tried to apply for consolidation again, I was again denied due to the same problem. Experian has showed disdain for their willingness to correct their mistake and as a result it is negatively impacting my ability to lower my loan interest.

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 2023-04-16
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I received mail yesterday ( XX/XX/XXXX ) from " Afni , Inc '', a debt collector company, regarding an owed bill from XXXX in the amount of {$650.00}. I immediately called XXXX, and upon calling the customer service number for XXXX, I was told that I have a balance of {$920.00} on my account. 

However, this is incorrect, and I am confused about this situation. I was a XXXX customer 2 years ago, but when I got divorced in XX/XX/XXXX, I returned all XXXX equipment and discontinued all services when I sold my house in XX/XX/XXXX. 
I moved to a new house in the same month of XX/XX/XXXX, and after moving, I never requested or continued XXXX service. However, XXXX still continued to charge me for service in my old house on my account. 

I don't owe XXXX any money. I called XXXX multiple times, and I explained my entire situation, but nobody was able to resolve this issue, and I was constantly transferred from person to person during the phone call. 

This issue hasn't been solved. During the call, they just expressed that they understand my situation and apologized to me, however nobody was able to fix my problem. 
This unfair situation due to a mistake on XXXXXXXX XXXX part is causing me a lot of distress, and I want to get to the bottom of this issue and have it taken care of immediately. 

Please get back to me on how you can resolve this, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company  XXXX  times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with   XXXX   I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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 2021-03-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my info from equifax for a couple months now. I have mailed them the requested docs, sent them email, waited on hold for hours, etc. They are totally non-cooperative. Truly a horrible company for the consumer to have to work with. I find the other credit reporting companies do not have equifax 's problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought the car on the XXXX of XXXX. I had 7 days to bring them a check for buy out. On the XXXX, I brought a check from my credit union for the buy out. Prior to that I had bought another vehicle from them and dud the same process. Within 3 days Capital one adjust the loan as it was funded with my credit union. Unfortunately I returned that vehicle due to potential mechanical issues. So I bought the 2nd car and followed the same process. However this time around Capital one is telling me I have a loan with them for the same vehicle which has been paid for from my credit union. I've been calling the local dealership for about 2 plus weeks now, call the XXXX corporate XXXX and they all keeps telling me they not sure what happens but they are researching it. This is absolutely insane, so now I have 1 vehicle but 2 loans are being reported under my credit while XXXX apparently has being paid twice for 1 car. I'm tired of calling the dealership and XXXX XXXX. Pls help, this is frustrating. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: CA
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 just looked at my consumer reports and noticed some items I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I did not provide written consent to report the accounts. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late or DELETED, as specified in my notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Experian Information Solutions Inc.
State: PA
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:
An initial dispute letter was sent to Experian via certified mail on XX/XX/XXXX outlining some inaccuracies on my personal credit report. Experian did not remove any of the XXXX accounts listed in the original dispute " letter ''. 

A Phone dispute was initiated with Experian credit bureau. I called the Experian XXXX department, on XX/XX/XXXX to have them remove several unauthorized inquiries due to fraud. Experian did not remove any inquiries and I was told that they would remain for 2 years.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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 2021-05-13
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I used my Chase Bank XXXX XXXX card to purchase airline tickets for two people on XXXX ( XXXX ) Airline. 
The tickets were to fly from XXXX to XXXX on XX/XX/XXXX, on to XXXX on XXXX, and from XXXX back to XXXX and XXXX on XX/XX/XXXX ( all on XXXX Airline ). 
The cost of the tickets was {$6300.00} ( {$5200.00} and XXXX Chase XXXX points ). 
XXXX XXXX cancelled our flights on XX/XX/XXXX. We did not cancel our reservations. 
Since XX/XX/XXXX, I have tried to get XXXX or Chase to refund our money and our Chase XXXX points. 
XXXX does not answer their telephone. 
Since XXXX  Airline did not provide any service for our {$6300.00}, I believe that I am entitled to a refund of my money. 
If I made an online purchase of a TV from XXXX but they delivered no product, my understanding is that Chase would contact XXXX XXXX, inquire if they delivered the purchased TV and, if XXXX could not show that they had delivered it, Chase would credit my account. 
In this case with XXXX, Chase has contacted TAP and has confirmed that TAP did not provide any service for our {$6300.00}. 
However, rather than provide a credit to my Chase XXXX account, Chase has reported to me that XXXX  has 'turned off ' Chase 's ability to credit my account. Chase periodically sends me an email which informs me that XXXX has not authorized the refund of the dollars due to me. 
Even though Chase Bank is in complete control of the Chase XXXX Points that were used to buy the XXXX tickets, Chase has also declined to reimburse me any XXXX Points. 
I do not understand why Chase has not treated this situation as it is : a merchant that has not provided a service that was purchased using Chase 's Visa card. 
At XXXX time, Chase informed me that XXXX offered a voucher for travel that could be used only in calendar year XXXX. The 'offer ' was later extended through XX/XX/XXXX. However, XXXX did not allow Americans to enter XXXX at these times. 
Since I believe that I am entitled to a return of the money I spent on the tickets that XXXX cancelled, I have declined all offers of vouchers for a future 'service. ' I have been forced to be a creditor to XXXX XXXX but with no agreement by them to ever reimburse me. I believe that I am entitled to an immediate refund of my money and Chase XXXX points. Please assist me in getting Chase to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The accounts listed below still reporting as erroneous despite my record shows that this accounts was Paid as Agreed. In violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not correct these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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