BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number 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 an account with my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me 9 different letters which are FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: GA
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/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2023-06-09
Company: EQUIFAX, INC.
State: NV
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 2021-03-20
Company: Experian Information Solutions Inc.
State: MD
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:
To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low 500 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped 16 pts? From XXXX to XXXX. I don't understand. This is unfair. Experian has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, Experian claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.

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 2023-06-09
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I want to file a complaint against Ocwen loan services now called PHH Mortgage and the investor of our mortgage XXXX XXXX XXXX XXXX XXXX. I have had a previous complaint # XXXX. PHH Mortgage ombudsman were communicating with us about our original XXXX modification application that they inherited. PHH said they did not have a copy of this modification or the application we also submitted to Ocwen when they took over our account.Mr XXXX and Ms XXXX from the ombudsman team said their legal team would only talk to us if we produced a copy of the modification from XXXX as Ocwen does now have a copy. The next two weeks were spent reaching out to and emails to XXXX XXXX who owned the account before they were liquidated .I have email and phone calls from XXXX that they would not have any copys or original as Ocwen has all the files.We were like a donkey chasing it's tail writing emails and phone calls when Ocwen had them all along. Ocwen and XXXX XXXX XXXXXXXX attorney Mr XXXX sent us some paper work from his reviews on our case and he happened to send us the copy of the XXXX application. We contacted Mr XXXX his response you will need to prove that Ms XXXX and Mr XXXX said they did not have them. I informed Mr XXXX my calls were recorded by Mr XXXX. Mr XXXX response was they probably did not understand what you were asking them. Ms XXXX and Mr XXXX hold senior roles in the ombudsman department. If they can't understand clear English they should not hold a position of this manatude. My command of the English language is from the XXXX XXXX and is my first and only language.Mr XXXX has been asked a question by me his only response is I can't give you legal advice. There is one covering for each other here. Letting us chase after files that they already had getting another company involved XXXX XXXX. There is no shame or respect for people here. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NY
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/2023 I submitted letters to XXXX, Experian, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.

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 2021-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Kohl 's, for second time, during the pandemic has reported me as late! Most recently ... XX/XX/XXXX I paid {$200.00} and then XX/XX/XXXX paid {$150.00}. which was for XXXX 's payment. I checked my account and it stated XXXX due. I never received an email or call before it would 30 days late. I received a phone call yesterday XX/XX/XXXX asking why i missed 2 payments????? I had no idea i missed 2 payments. I paid XXXX 's payment EARLY as to not get a late on my credit report.. Looking at my account minimum payment for XXXX was {$27.00}. I paid {$150.00}!!!!!!!!!!!!!!!!!!!!!! on XX/XX/XXXX. EARLY!!!!!! AND XXXX was due XX/XX/XXXX. I received a call yesterday XX/XX/XXXX. I was not 30 days late! Kohl 's has very bad consumer practices and should held accountable! Late payments have profound affects on consumers financial stability and life. This should not be allowed! or tolerated. I will go as far as i can to protect the next consumer from this happening again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Like many people, I don't really use my savings account. It's a nice perk I guess, a rainy day fund that allows me to mentally set some money aside. I've had checking and savings accounts with Bank of America for almost 15 years now. For almost all of that time, no fees. I grumbled but accepted it when my checking account gained a conditional fee a few years ago -- a change I originally found out about on the news, rather than the bank telling me ( I did get two emails from the bank that outlined the change later, before it took effect ). 

But apparently, my savings account was ALSO converted arbitrarily. I only got one email mentioning any sort of fee or change, on XX/XX/XXXX. The email was deceptively titled " Welcome to your new savings account '', an anodyne marketing phrase that most people tend to ignore and bearing almost no relation to the actual, involuntary changes made to my account. The " new '' account apparently requires an independent balance of {$500.00} dollars, or else an {$8.00} charge is applied monthly from the same account. So, back at the start of XXXX, I decided that the piddling amount of interest they were offering was irrelevant ( something like XXXX cents earned in XX/XX/XXXX ) especially compared to 1 % interest peers, and transferred a good chunk back to my checking account. I did not realize any changes had been made to the account, much less without a good-faith attempt at contacting me about it, and at the time I hadn't been charged anything because my balance was high enough. 

Since the beginning of this year ( XXXX ) I have been charged XXXX dollars monthly. I didn't realize this as, like again virtually all people, I assume that a savings account will never change and is not something I would check regularly. I only discovered this today, where I asked to get refunded ( only two months were refunded ) and closed the account. 

This is possibly the most anti-consumer practice I've seen in a long, long time. The charges are drawn from the savings account directly, where they are not likely to be seen and noticed by the customer, even though the checking account is linked. The charges bear absolutely zero relationship to the actual cost of managing a savings account, which is minimal for virtually all banks. Changes were made to the account without what I consider a good-faith attempt to notify the customer. I would expect a phone call or multiple, specific emails containing the information about the change prominently instead.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NV
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:
Hello, My name is XXXX XXXX and my information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data beach and Equifax has done nothing about it. Please help me delete these illegal accounts from my credit reports. 



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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I previously sent you a letter on XX/XX/2023 but I have not received any response from you. As per the FCRA, it is mandatory for you to provide a response within 30 days.

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 2017-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A person owns me some money and she paid me with a check, I deposit that check in my Bank of America saving account but the check bounced ... In XX/XX/XXXX Bank of America decid to close my saving account and they do not refund my balance of {$2000.00} Back in XX/XX/XXXXI was fraud victim and I think they are relating and retaliate agains me because of the bounced check ... it is unfair, I been customer for more than 11 years and I never have problem and I done nothing wrong ... They ban me for 5 years from their institution and they make feel like criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY GENESIS CREDIT MANAGEMEN Account Number : XXXX Delete this account. 

15 U.S. CODE 1681I - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS REPESENTATIONS-10 XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

Personal information is incorrect XXXX XXXX XXXX XXXX, MO 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