BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: Professional Choice Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
PCR kept calling me in regards to {$470.00} I owe to Nebraska XXXX University. I had finally answered one of the calls and told them to stop contacting me, as this was around the time the coronavirus pandemic began and I was losing hours at work. I also read that via the CARES Act, debt collectors for student loans are not supposed to contact you. Then they start calling my work and asking if Im there, and then hang up on whoever answers the phone. How very professional. They sent me a letter on XX/XX/XXXX and added on {$210.00} from XXXX  ... never been informed of this debt and so Im going to dispute it. They had the audacity in the letter to write we know you are employed, so you should be able to handle this situation. Extremely rude and insensitive. Everyone is struggling right now during the pandemic and I have bills that take priority over some fishy debt collector business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. XXXX XXXX Transunion is reporting negative information from XXXX XXXX XXXX  despite XXXX  police report XXXX and XXXX XXXX XXXX  not cooperating with the reason or information on how they allowed the illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
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: Investigation took more than 30 days

Complaint:
This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX  Account number XXXX. 

It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.

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 2018-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a XXXX year-old retired woman who banks at Bank of America. The only source of income is my monthly social security check. On XX/XX/XXXX at XXXX XXXX, I received a Bank alert informing me that my checking account balance was at {$0.00}. I was surprised and worried and immediately called the bank to get more information. I could not get in touch with the appropriate team ( it was after hours ) and tried again the next morning, XX/XX/XXXX at XXXX XXXX PT. 
The agent informed me there was a legal action against me and provided a number to contact that did not work. I repeatedly told the agent that any money in my account was sourced from my social security check and that that money should not be included/touched by legal actions. The agent was rude, uninterested in helping me. Because English is not my first language, I asked my daughter to help me sort this issue. We both called on XX/XX/XXXX, after a couple of transfers we reached the Legal Order Processing team. The agent was rude, but through several calls gave us a number to call. I asked the agent to transfer me to a supervisor as I was not sure the proper actions were taken to secure my money. I repeatedly shared that the money taken was directly deposited by a government agency as part of my social security and not to be part of any settlement. I expressed my desire to file a complaint. She told me my call did not qualify as a complaint as the bank had followed the right process. I asked again my desire to escalate the call and to formally complain and she responded that there were no supervisors available. I asked for her name and operator ID. She shared her name ( XXXX ),  but refused to provider her ID or department name. She stopped talking to us even after repeated requests and eventually hanged up on us. After several hours the money withdrawn was placed back in both my checking and savings account without an explanation or call. I believe the bank did not follow the right process

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 2023-05-08
Company: Torriere Holdings INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not sure what this debt is about. Its for {$1900.00}. I just recently retired in XXXX and I paid all the bills that I knew that I had. I do not know anything about this one I need more information, I have not been over paid or are those saying so I need more information about this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Other problem getting your report or credit score

Complaint:
I am trying to fix and raise my credit score to get a better interest rate for a home mortgage loan. I got a secured credit card from Bank of America a year ago with a {$1000.00} limit. I was getting a high balance reporting to the credit bureaus, so I raised it to {$5000.00} two months ago in may. The credit bureaus indicated with a higher credit limit better chance to get a higher score on my reporting, along with paying down any balance on XXXX before the billing statement that is generated on the XXXX of each month this would reduce the high balance. I then raised it again to XXXX the max it would allow me. I found out Bank of America was not reporting on the XXXX of each month on time as they indicated. I get weekly statements from XXXX and called in to see what is happening? They stated bank of America has not being reporting on time for the last two months? to get me my current score with the additional increase of {$10000.00} limit? I called in to complain two months ago about there reporting and again on 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. 

Dept Of EdXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 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 2021-10-12
Company: GLOBAL SOLUTION BIZ LLC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company Global Solution Biz has been make multiple calls to my telephone and text ( XXXX ) making false claims that I owe a debt that I have no knowledge of or received any alleged proof of original contract or authentic signatures or legal paperwork. All the contact has been over the telephone by text and messaging. 

They have threatened to bring legal action against me and claimed to have filed a UCC XXXX without any evidence or substantial proof. I have been dealing with identity theft since the tax return breach and there has been a fraud alert on my credit because of these such problems. 

I have responded to their text message and told them they were making false claims and they have the wrong number and information, since I have no knowledge of obtaining this debt! I have told them to cease all contact from my phone number. 

Furthermore, Global Solution has ILLEGALY disclosed/ published false information of the accused debt to other third parties creating public shame on two occasion that I have been made aware of the fact. I have submitted the evidence.. These two incidents occurred on XX/XX/2021 and XX/XX/2021 from telephone text of phone number XXXX. 
The practices of Global Solution Biz are illegal, fraudulent and degrading and this is why I am reaching out to your agency and making this public report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: PR
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:
This XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation
Consumer complaint received 2021-02-11
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So I have a debt from XXXX that I was garnished for back in XXXX ... this debt fell off my credit and close like a year ago and is over 10 years old .... all of a sudden I get a court paper saying I'm going to be garnished..I never got and contact saying the debt was re opened ... I never got any paper or calls or even a chance to make payment arrangements just a paper saying I'm going to be garnished ... this feels illegal there has to be a way to make payments right? Shouldn't they have to have legally at least had to contact me and talk to me! Can you help I'm at a loss and can't afford garnishments this is wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2018 I contacted Equifax at XXXX about a error shown on my credit report confirmation # XXXX, the disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX  Account Number XXXX 2. The disputed item is not currently reporting on the Equifax credit file : Company Name : XXXX XXXX XXXX : Account Number XXXX 3. The disputed item is not currently reporting on the Equifax credit file. Company Name : XXXX Account Number : XXXX 4.The disputed item is not currently reporting on the Equifax credit file : XXXX XXXX. 
I talked to a lady from Equifax by the name of XXXX she refuse to listen to me about the error on my credit report and Stated to me 1st of  all I am not your baby girl! I then told her i was telling that to my grand daughter i just got off the school bus then asked her did she wan na carry on with the items in error that i am called about she pulsed ( then she hung up on me in the middle of trying to solve a issue with my credit report ). A hour later i was transferred back to the supervisor XXXX who hung up on me she stated to me that the phone call was dropped or lost i said to her that is not true you hung up on me and that is against the law according to the FRCA and CFPB she then asked me if i would like her supervisor i said no i would like to carry on from where we left off, without hesitation she transferred me to her supervisor XXXX Employee # XXXX, XXXX investigated the error and stated to me he see the error but don't know what happened he said to me all he can do is re-open another investigation i told him no i refuse the item should be removed at once the XXXX accounts as well as the XXXX XXXX account due to a error Equifax made, he told me he don't have the authority to remove the error all he can do is re-open a new investigation, once again i told him no I want these accounts removed at once, so he transferred me to his manager, I waited on hold 4-6 min and got a voicemail telling me he will call me within 24 hours i left a massage to a manager voice mail in another country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Bread Financial Holdings, Inc.
State: OH
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:
This is my second attempt disputing COMENITY BANK/XXXX  # XXXX, an account that has already been paid off and still remains on my credit report. The account needs to be deleted from my credit report immediately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
XXXX  froze my entire account without my permission or knowledge. When I tried to get a personal loan through my credit union, they could not run my credit because they said it was frozen. I called XXXX and spoke with a supervisor named " XXXX  '' She told me that the system would not allow her to " LIFT THE FREEZE '' and then she went through this whole litany of things I have to do like fax her a copy of my Nevada State I.D . Social Security Card etc. THIS IS UNFAIR BECAUSE I NEVER REQUESTED MY CREDIT TO BE BLOCKED OR FROZEN. XXXX  GENTERATED THIS ON THEIR OWN. I am a XXXX year old XXXX XXXX Veteran, and do not drive or have access to a fax machine. Meanwhile, I'm missing out on a good loan with XXXX XXXX XXXX XXXX. I even joined XXXX  XXXX per month to circumvent this issue. As soon as I paid for the service, they showed me my credit score, and told me it was open. However, when the loan officer from XXXX XXXX  went to run it, it showed " Frozen '' again! This company is stressing me out and making me sick. I can not get through to them and they make it very difficult for the consumer to do business with them! Please help! 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 explanation
Consumer complaint received 2022-12-30
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
On XXXX XXXX XXXX  Comenity Bank and XXXXXXXX XXXX names appeared on my credit report. I have made contact with both company 's and was told this problem would be taken care of and that someone has attempted to open credit accounts in my name. I've also locked all my credit reports and started a monitoring service. I am still getting emails and regular mail from both companies and I need someone to look into my problem and solve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX has reported inaccurate information on my account ( again ). It is indisputable that the information they furnished is incorrect, because even right now as you are reading this I am still less than 30 days past my XX/XX/XXXX due date. 

As you know, under CDIA 's reporting guidelines data furnishers are not allowed to report late payments to credit bureaus until a customer is at least a FULL 30 days past their due date, and it is illegal for them to knowingly report inaccurate information. I am a very reasonable person and I would understand if this was simply a mistake, but it is impossible for it to have been a mistake since the Metro 2 format does not have an option to report late payments that are only 1-29 days past due. So that means that XXXX XXXX XXXX blatantly and willfully ignored the CDIA 's credit reporting guidelines, which violates the Fair Credit Reporting Act, and NCUA 's UDAAP regulations. XXXX XXXX XXXX wanton disregard for fair and ethical business practices is deeply concerning, this willful misconduct has caused me significant financial injury. Prior to their first erroneous report in XXXX my credit score was XXXX and I had a flawless history, but due to their incorrect report I no longer qualified to refinance my mortgage. That prevented me from being able to lower my APR, eliminate my PMI, and shorten my loan term, which cost me tens of thousands of dollars. 

Obviously this current error is conclusive evidence that XXXX XXXX XXXX willfully violated the Fair Credit Reporting Act and UDAAP regulations, so I plan to request e-OSCAR and report them to : the Federal Trade Commission, the National Credit Union Administration, the Consumer Financial Protection Bureau, the Colorado Attorney General, the Division of Financial Services, and every public business review site. However, my number one my priority is having my credit repaired to the pre-error status, so I will give XXXX XXXX XXXX until XX/XX/2021 to settle this amicably by removing both erroneous late payment reports from all credit bureaus and permanently writing-off the remaining loan balance ( for the financial loss I Incurred ), otherwise on XX/XX/XXXX I will proceed with filing reports to the aforementioned regulatory agencies and possibly file a civil suit.

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: AMERICAN EXPRESS COMPANY
State: IL
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:
I left the military and went to cancel my credit card because they no longer waived the annual fee. American Express said that they would waive my annual fee if I spent XXXX on the card over the XXXX months. I told them that this would only delay me cancelling the card for another year and they said that in that situation I should just call back to see if they have additional promotions. Based on their word, I decided to keep the card for another year. I called back this month to cancel my card and after I cancelled they billed me for XXXX $ and are also holding XXXX $ of my money hostage while also charging me 20 % APR on the remaining balance. They are changing their terms of the agreement and are now saying that since I cancelled the card within 12 months that I didnt follow the terms of the agreement. This doesn't make any sense, I am XXXX and don't even make enough money to pay for this card, they are now charging a XXXX $ annual fee. I would've never renewed the card if they had been honest with me from the beginning. I don't understand how they can legally change the terms of the agreement, this sounds like fraud to me, and they should be held accountable. They are taking advantage of service members that are transitioning out of the service and it is unethical.

Company response to consumer: Closed with explanation