BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: TD BANK US HOLDING COMPANY
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:
This account was negotiated for a significant less amount. The payment history is not showing correctly and every dispute I make does not fix the issue. The account was settled for {$290.00} and no payments are outstanding. All collection activity has ceased yet its still showing on my credit report and the other credit bureau 's that the balance is outstanding for a much higher balance. Its still showing unpaid and as a charge-off. The settlement was for {$290.00} from XX/XX/XXXX until XX/XX/XXXX for {$48.00} each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax responded to a complaint confirmation # XXXX on XX/XX/2020 stating that my XXXX account XXXX was being reinvestigated. It has been over 30 days and as of XX/XX/XXXX the account is still showing reinvestigation in progress. The payment history is inconsistent with the reporting and has been removed from XXXX  due to unable to legally verify and must be deleted due to violation under the FCRA. 
In addition the XXXX account XXXX is showing a status of charged off and in collections. This account is paid in full and should reflect the actual status of the account. Equifax also has failed to include " notice of dispute '' in violation of FCRA. 
This conflicting information on these accounts has caused a denial of credit and is also causing me an undue burden in my search for employment. I demand this information be correct or deleted from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To Whom It May Concern : I am writing to file a complaint against Bank of America for withholding the promised bonuses on my two credit card accounts. I opened a Bank of America Customized Cash Rewards Credit Card in XXXX and a Bank of America Travel Rewards Credit Card in XXXX. Both of these cards offered sign-up bonuses of cash and points. However, after meeting the requirements for the bonuses, I was never awarded them. 
I have spent many times taking trips and speaking to a banking advisor in the Bank of America branch several times to inquire about the bonuses. I have been told that there was a " system error '' and that I would be awarded the bonuses in the next billing cycle. However, this has never happened. 
I have also reviewed Bank of America 's terms and conditions for these credit cards. These terms and conditions state that the bonuses will be awarded as long as the following requirements are met : * The account is opened and activated within 30 days of approval. 
* The accountholder spends a minimum amount of money on the card within the first 90 days of account opening. 
I have met both of these requirements. Therefore, I believe that Bank of America is in breach of contract by withholding the bonuses. 
This is not the first time that Bank of America has been accused of withholding promised bonuses. In XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Bank of America {$30.00} million for misleading customers about credit card rewards. The CFPB found that Bank of America had offered sign-up bonuses to customers but then failed to provide them the bonuses due to employee error. 
I believe that Bank of America 's actions in my case are also illegal. The Federal Trade Commission ( FTC ) Act prohibits unfair or deceptive trade practices. In my case, Bank of America made false promises about the bonuses that I would receive if I opened their credit cards. These false promises were designed to induce me to open the cards. 
I am also concerned that Bank of America 's actions have violated New Jersey state law. New Jersey law prohibits unfair or deceptive business practices. In my case, Bank of America 's actions were unfair because they misled me about the bonuses that I would receive.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and updated as soon as possible. 
XXXX XXXX XXXX late open XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-03-18
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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:
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  XXXX are in violation of The Fair Credit Reporting Act and has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, This is my follow-up request regarding the accounts that are reporting incorrectly. Please fix the individual accounts in order to appear accurately in my report, and could not harm my credit score. 

Here are the accounts mentioned : XXXX XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00}

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 non-monetary relief
Consumer complaint received 2020-02-13
Company: Certified Recovery Inc
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX turned on overbilled consult to a credit agency for collection without contacting me to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
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: Account status incorrect

Complaint:
My mortgage was transferred to XXXX XXXXXXXX XXXX a few months ago. 

They sent me a letter telling me that my mortgage has changed to them and asked for my bank account info for payment - which I found suspicious since the loan number was different and I hadn't received anything saying XXXX XXXXXXXX XXXX was my new lender from my existing bank ( XXXX ). They had said my loan would be transferred to " XXXX XXXX XXXX ''. 

I called XXXX to figure out if it was legitimate or fraudulent. They had the right info about my existing loan so I ended up setting up my account and signing up for automatic payments over the phone. 

Then a couple months later I got a notice in the main that my account was delinquent. I called and it turns out that the automatic payments wouldn't kick in for 2 months ( which they never told me on the phone ), and once the payment was missed, the automatic payments were cancelled too. 

After calling I immediately paid the balance and called back to verify it wouldn't be reported as late to the credit bureau, but it turns out they had already sent the delinquent status to the credit report. 

They promised that they would fax letters to the credit bureaus to remove the negative marks, but that was several weeks ago and the negative marks still remain on the credit report. 

I've emailed and called them several times and still have gotten no response from them about the issue with my credit being resolved. 

The XXXX online presence is extremely dated and difficult to navigate ( e.g. to tell what the outstanding balance is or set up automatic payments ). In this case my flawless credit of XXXX dropped nearly XXXX points due to mix ups in their payment systems that weren't communicated to me, and now several weeks after I've paid the balance and discussed the credit issue with them they've failed to address it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX are in violation of The Fair Credit Reporting Act and has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A states a consumer reporting agency can not furnish an 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
Consumer complaint received 2020-08-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my 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 2023-08-11
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 confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-03-12
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-06-23
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to contact this collection agency by mail on XXXX  to negotiate a debt and the address provided on my credit report is fraudulent. Its not a address that i can send letters to and i don't know any other way to contact this agency. After i sent the letter it was returned to me saying it could not be forwarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX @ XXXX Hawaii XXXX. I called TransUnion at XXXX and spoke with XXXX from XXXX XXXX XXXX. I asked to XXXX ) speak to a supervisor and she states " I can't transfer a call from this department ''. She instructed me to hangup and a supervisor will return my call. XXXX insisted that she can help me. She suggested that I 2 ) use an old account " XXXX '' XXXX ) an create a " New Password '' I informed her that I have already created a new account! She XXXX ) give me a temporary password " '' XXXX '' via email and XXXX ) temporary code " XXXX '' via email. XXXX ) She said to use the New Password and that she will give me what I need to put in " XXXX '' I said " This is unethical. '' Why do you need access to my account! I hung up and c/b to speak to another supervisor " XXXX '' XXXX Who deleted the old account, created a new account. I informed her that I was XXXX ) blocked from using TransUnion. XXXX had me use another brower XXXX ). I was able to purchase a credit score 9 ) Informed XXXX that I will file a complaint XXXX ) XXXX says that she will followup with the XXXX XXXX opened on XX/XX/XXXX and Hawaii XXXX XXXX XXXX XX/XX/XXXX, both account still not updated, XXXX ) haven't heard from XXXX and I haven't seen any changes. XXXX ) STILL trying to update my information. XXXX ) Notified XXXX XXXX XXXX on XX/XX/XXXX spoke with XXXX via phone, by law the banks has 15 days to report a new account and XXXX XXXX spoke with XXXX via phone XX/XX/XXXX and TransUnion Via phone XX/XX/XXXX @ XXXX spoke with XXXX XXXX XXXX will XXXX ) send me a letter to confirm current address ( see attached ) letter rcvd and confirmed. XXXX ) unable to update my information on TransUnion website bc I'm blocked.

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 2022-12-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On or about XXXX I opened an Amex Bluebird account for their savings-type card and general banking account. Not the prepaid debit account, the other one. 

After opening, I set up online access and was in the process of configuring personal info, alert settings, privacy settings etc. 

When I got to the Alerts preferences none were selected so they were able to be 100 % customized to my alerts needs. After configuring I clicked the Save button and moved on to the Privacy settings. 

When I got to the Privacy preferences, every XXXX of them ( approx. XXXX ) were pre-selected to allow Amex/Bluebird to distribute my personal data unconditionally or in other words every radio button was preselected Yes to allow Amex/Bluebird to distribute my data to whomever for whatever purpose they chose. 

After changing all the radio buttons to No and upon reaching the bottom of the page where the XXXXave button should be, there was no Save button. At first I tried zooming in and out to see if it would appear but it didn't. After reloading and going back then forward to see if the Privacy settings were saved, they were not. Everything defaulted back to Yes to give Amex/Bluebird total contol over my privacy and data. I have 3 decades of experience in engineering and am more knowledgable than most in the use, configuration and maintenance of PC and PC driven systems and software. I verified this Privacy problem on XXXX up-to-date browsers, XXXX XXXX  and XXXX XXXX 

It appears that this company placed their footer on the privacy page intentionally over the Save button so most would give up attempting to Save their Privacy choices and just let Amex/Bluebird sell and distribute their personal lives across the planet. The footer blocking the Save button only affected the Privacy Save options, none of about 6 or 7 other parts/pages of the account setup/maintenance site had this " No Save '' condition/problem. 

It was only the Privacy settings that couldn't be saved, I have to believe that Amex/Bluebird is gaining financially from this deceptive, unethical and probably illegal practice. 

Potentially, e

very Bluebird account/card holder is having their data sold and distributed unconditionally against their wishes. Please verify this matter and take appropriate action against American Express/Bluebird . 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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 need to inform you I was the victim of identity theft. I'm disputing this account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov.

Please dispute the account. It was opened without my knowledge, authority or consent. 
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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I requested for the XXXXXXXX XXXX account be validated through Transunion Bureau. It is my legal right under FCRA 15u.s. Code 1681 states responsibilities of furnishes of information to consumer reporting agency. They must have valid information from the original creditor, which they have not produced any evidence to me, this is the third request.

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