BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call But they didnt stop there. I have a recording. Of me telling them its a bad time for them to call. I also have screenshots of them calling day after day at the same time. Making me feel uncomfortable. 
I looked up this law 15 USC 1692 who is the FDCPA and in section 1692c ( a ) ( 1 ) it says. At any unusual time. Or place or a time of place or which should be known to be inconvenient to the consumer in a absent of knowledge or circumstances to the contrary a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX  XXXX  and before XXXX XXXX XXXX  local time at the consumers location Which means that if I told them it was not a good time they should know that the Time they called me was inconvenient They also violated me again under the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: Betterment LLC
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a transfer of my funds from betterment.com on XX/XX/XXXX. They asked for more details on XX/XX/XXXX. I provided the details. They stopped paying interest in the amount and have still not received my money in my back account as of XX/XX/2023. I get lame excuses saying the other XXXX transfer delays my savings withdrawal. 

Its 10 days off lost interest and opportunity cost for the money which I really wanted to deploy elsewhere immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This letter aims to address some issues with the credit report that is currently being held in my name. Reviewing this report has revealed inconsistencies that demand immediate attention. After thorough examination, I discovered that some accounts require urgent attention to guarantee a true portrayal of the data. 

As a consumer who is familiar with the provisions of the Fair Credit Reporting Act ( FCRA ), you are aware that the law permits a request for an investigation into the credit report in the event that there are any disagreements regarding errors. 

Getting an accurate picture of the financial situation from the credit report is the main goal. In order to improve accuracy and fairness in the credit reporting system, these discrepancies should be addressed. It is anticipated that a resolution that is advantageous to all parties involved can be reached with your cooperation and compliance with the FCRA. 

We value your help in reviewing the errors in the credit report and correcting them, as well as your prompt reply. It would be fantastic if this dispute could be settled within the time frame required by law.

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 2023-07-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX  sent me a Bill allegedly for XXXX XXXX received at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Specifically, medical service allegedly provided by XXXX XXXX, XXXX  at the Emergency Room of such Hospital. However, I rebutted this alleged medical service billed based on the fact that I did not authorized any type of medical service at this XXXX XXXX XXXX XXXX XXXX. I mailed certified letter requesting Cease and Desist along with reference documents regarding complaint filed against this doctor XXXX to the Texas XXXX XXXX. 
I received in return, attached a Billing Summary from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- which it is the official billing system of XXXX XXXX XXXX XXXX in XXXX and in XXXX XXXX, Tx ; this Summary showed {$0.00} BALANCE as of XX/XX/XXXX regarding allegedly outstanding balance from XXXX XXXX MD. 
Now, XXXX XXXX XXXX XXXX disregarded this fact, and SOLD this CLOSED XXXX to this Collection Agency lead by XXXX company that I just received on XX/XX/XXXX. It is not acceptable that I had to deal over and over with the same alleged issued when it is been already addressed with XXXX XXXX XXXX XXXX in the first place. I respectfully request from this office to please contact this MBA-LAW office to once again state my rightful answer of CEASE AND DESIST regarding this matter. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Bank of America- Account # XXXX XXXX XXXX XXXX I've had Bank of America for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus 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.XX/XX/XXXXXX/XX/XXXXBalance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6400.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00}

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX report a scam or fraud complaint with a transaction with Bank of America. 
They respond that they dont deal with XXXX XXXX, not able to report anything with the scammers. 
The reason I try to contact them with the issue because I have been scammed by a contractor. 
XX/XX/XXXX transfer a {$2000.00} through XXXX with Bank of America to XXXX XXXX XXXX for renovation project deposit. 
I total transfer {$6000.00} to XXXX XXXX XXXX the contractor through check and XXXX. 
XXXX XXXX contact XXXX XXXX XXXX for the project start, he disappear with no response. XX/XX/XXXX contact him finally got response by request more deposit, I send him formal request for cancel the contract refund the deposit, he agreed. 
But 51 days, XX/XX/XXXX he did not refund a single cents to me. 
Already try to results the issues on XX/XX/XXXX with XXXX, XXXX XXXX XXXX did not respond. I also file this with federal trade report, and state attorney general. But the back doesnt try to help at all.

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 2018-09-20
Company: GMA Investments, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX is coming after me for a loan that I received online. the rates where not explained until I had already signed for the loan. I received {$1300.00}. They were expecting me to pay {$600.00} a month for 26 months anything but ridiculous. I tried to discuss this with them and give them their money back with no luck. They want you to default on the loan so that they get 15 times as much in interest. Receiving harassing calls at work and at home. Talking about garnishing my wages. This can't be legal. No one should be able to take {$15000.00} over a {$1300.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX & XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX 'S XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX, XXXX XXXX, have 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 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 2022-05-04
Company: EQUIFAX, INC.
State: MS
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 Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 received an alert on my XXXX Credit Report that alarmed me that I have a collection account from a collection firm name Credit Management LP concerning a unpaid bill from XXXX XXXX XXXX for {$280.00}. in which I have never in my life had any service from XXXX XXXX nor requested any service. This collection company have not made any prior or previous Collection attempts to allow me to dispute these charges and have reported a negative information to the credit bureaus of which is now damaging my credit report. This account is clearly not mine and I don't know how they have gotten my Social Security number or obtained my Identity information. The account number in question is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Equifax and XXXX is reporting serval duplicate inquires that I didnt do and would not remove them especially XXXX and equifax I had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-03
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company in violation Bridgecrest : Acct # XXXX 15 USC 1601 15 USC 1681s-2 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 7 ) ( 8 ) 15 USC 1692e ( 8 ) 12 CFR 1006.42 ( a ) ( b ) 12 CFR 1006.34 ( a ) ( i ) ( B ), ( c ) ( 1 ) ( 2 ), ( 3 ) ( i ), ( 4 ) ( i ) ( ii ) ( iii ) 12 CFR 1006.18 ( c ) ( 2 ), ( e ) 12 CFR 1006.6 ( b ) ( ii ), ( d ) ( 3 ) ( i ) ( ii ), ( 4 ) ( i ) ( B ) ( ii ) ( A ) ( B ), ( e ) 12 CFR 1026.5 ( a ) ( b ) ( e ) 12 CFR 1026.9 ( a ) ( c ) ( h ) 15 USC 1692f ( 8 ) Also including : " Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX XXXX issues resolved which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility. Filed complaints with proper agencies in recovery of damages for both companies Numerous calls of opt out and only wanting information sent via MAIL due to privacy concerns

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 2023-05-23
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}.

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 2022-05-04
Company: EQUIFAX, INC.
State: MD
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 XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: TN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation