BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: TRANSWORLD SYSTEMS INC
State: MA
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:
I write you to address cascading events sprung by serial errors of XXXX Bank of XXXX MA. It started last fall with XXXX mailing my bank statements to a defunct out of state business address in error. These statements indicated three returned checks with associated overdraft fees. XXXX mailed a letter to me received on XXXX XX/XX/2022 stating that I owed XXXX  {$230.00}. 

This if the first time I knew there was a problem since all my statements were being sent elsewhere without my knowledge or consent. I called the number on the letter, and I asked for and got a list of the six charges totaling {$200.00}. I agreed to pay the full amount of {$230.00} immediately. The XXXX Rep said if paid that same day there would be no further action. 

I immediately went to the XXXX ( local ) branch, met with Bank Manager XXXX XXXX XXXX, explained the situation, and I paid the full balance. She assured me that the matter was at that moment ; settled. XXXX XXXX revealed the statements were going to a NH address and thats why I had no notice. Further, she said she would bump my complaint up to top management for corrective action. As of now, I have heard nothing. 

Yesterday, I received a demand letter for {$230.00} from a debt collection company, Transworld Systems Inc, TSI ( attached ). Now, my credit score has been damaged by false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NJ
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 keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to 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
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: MO
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:
First : XXXX XXXX is reporting negative information while being on a Covid Relief Plan which I was told would not affect my credit report. They are reporting late pmts because when XXXX XXXX merged, they left my name off the mortgage acct and I had to get an attorney to make them accept questions & phone calls from me because my spouse died. 

Second : XXXX could not provide service that worked at my house, so I cancelled it. They are showing a charge for equipment & a contract cancellation. It was their fault it their service would not work at my house. I have signed receipts from a customer service rep at XXXX showing I returned ALL of their equipment. 

Third : XXXX is showing an amount due for breaking a contract, but they will not provide me with a copy of the contract. I was told numerous times when I bought their service that there was NO contract. I sold my house & had to disconnect it. 

Fourth : I had perfect credit on this account until the XXXX did not apply my credits to my credit card, so after fighting with them and refusing to pay and closing my account, they kept adding interest for several months before closing it. 

Fifth : XXXX XXXX, I had a {$68.00} balance, and returned an online order for {$75.00} which they did not credit to my account. Fought with their customer service to no avail, closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Personal medical laon for a XXXX XXXX was taken out in my name XX/XX/22 without my knowledge. Online contarct with lender was fraudulent signed using my name. Documents that was submitted with my information I was mislead into providing under false pretenses. One payment on the loan was made in XX/XX/22 using billing information that did not belong to me. I never received one billing statement from XXXX XXXX XXXX who provided the loan. Did not become aware of loan until it was XXXX flaged my credit due to late payments. On file with XXXX XXXX credit that had phone numbers, email addresses and mailing addresse that did not belong to me as well as place of employment Proving that the was a fraudulent. As of today I have put a fraud alert on my credit, have called both XXXX and XXXX XXXX XXXX several time file a dispute with XXXX anf Trans Union and in the process of filling a police report once the lenders provide me with all of the necessary documents. Thanks for listening and providing me with some kind of assistance with this unfortunate matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
On XX/XX/2022, a series of transactions were drawn from our business banking account. These transactions are occurring on bank cards that have never been activated. I submitted a dispute to Bank of America on XX/XX/2022 for each of these transactions and they appear to still be occurring from an overseas vendor. 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  I called Bank of America-Business banking and reported the transactions as fraud. A claim was submitted on my behalf by the representative to dispute the transactions. When I called to shut down the account, I was advised that our checking account has not been compromised. The cards were compromised only. New cards were dispatched. However, this type of fraud on a business account is extremely concerning since the compromised cards were never activated. I was also advised that it may take up to 90 days for the claim to be reviewed/approved. Note : I did not pick up either the new debit cards or the old debit cards until Thursday, XX/XX/2022. All 4 envelopes were sealed and appear to be uncompromised upon pick up.

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 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Ive filed a complaint with Capital One for my checking account on an on going depute with The XXXX XXXX for a transaction that happened on XX/XX/2023 for XXXX. I reached out to XXXX XXXXXXXX XXXX several times before filing a complaint and dispute with Capital 360 bank after I paid XXXX To have flooring delivered to my house my XXXX XXXXXXXX XXXX because XXXX XXXX XXXX XXXX  cant do it my self. Ive provided capital one 360 all kinds of information a ver detailed stand even my XXXX  information etc. and they are still rolling in favor because the back office of Capital one states that I used my pin for the transaction. Well yes I did use my pin for it because I had to by the product first then have it delivered to my house mby XXXX XXXX and that never happened and now I feel XXXX XXXXXXXX XXXX along with Capital one is discriminating against me because of my disabilitys  and Im getting ripped off my Capital one for XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: Opportunity Financial, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called Opp Finance  on XX/XX/XXXX to move the bill due date of XX/XX/XXXX out a few days due to a financial emergency. The agent told me she could not do that. The very next day, XX/XX/XXXX, she removed the funds from my account making them unavailable to me for my emergency on the XXXX so that my account would be paid on the XXXX. In other words, she intentionally captured my funds early on the XXXX so that I could not use my funds to take care of the emergency that I had. This early action had never been done before prior to our conversation and need to move the due date out. 

I sent numerous emails regarding this situation and they all were ignored as if this early debit transaction never existed. They asked for proof of the transaction, and, I went to the bank to get it and sent it to them. They then asked for it to be on the bank 's letterhead as if I had manufactured the document. 

My contract states clearly that the debit would occur on the XXXX of each month. Not before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO : XXXX XXXX : CFPB & FCRA & SCRA RE : Not my address reported by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. 

I do not recognize the address. 
I have never lived at this address. 
I do not recognize any account related to this address. 

Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. 

I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. 

Per the authority of the following Federal and State Laws-Requirements I request the following. 

15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. 
And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. 

If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: LA
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:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, they can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible they should not report any claims that you know or should know are not in compliance with regulations and the law. If they do report such claims, they could be subject to fines or other penalties. Furthermore, reporting claims that they know are not in compliance could damage the reputation of they company. I am writing to inform them that they need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I have given you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize they to take whatever steps are necessary to correct my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent another dispute letter XX/XX/23 because insufficient evidence was provided for verifying the debt and the collection agency sent a threatening email attempting to collect on a debt currently in dispute and my original letter specified I only wanted communication by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: IL
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 contacted Experian regarding a XXXX debt from the company affirm. I noticed this debt when checking my credit report. I informed Experian I was never associated with this company and this was identity theft. I proceeded to dispute this debt with Experian and also called XXXX to get details on the debt. I provided Experian and XXXX with a FTC identity theft and a police report. I was told by a representative from XXXX that the account was under investigation. On XX/XX/2022 I received notification from Experian that my dispute had been resolved and the XXXX debt would remain on my credit report. I was told to contact XXXX again regarding this matter. I contacted XXXX and I was told this account should have been removed from my credit report. Experian keeps reporting inaccurate information and refuses to rectify my issue. I was told that experian has not received any mail from me which I will attach to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I went to the XXXX  when I was employed and had insurance on XX/XX/2016. This is still on my credit report. Please help me resolve this error in my credit report. 

Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX American Adjustment, XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
I am writing to file a dispute against XXXX, TransUnion XXXX XXXX consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, TransUnion XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, TransUnion & XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, TransUnion XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, TransUnion XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, TransUnion XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, TransUnion XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've sent multiple letters to XXXX XXXX and all 3 credit bureaus about this alleged debt and advised them to cease and desist. I made an uniformed decision when I entered into this credit transaction. The contract terms weren't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX XXXX. I have asked for the original contract multiple times but somehow XXXX XXXX confuses an invoice as an actual contract, which is a violation of my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
Dears at Consumer Financial Protection Bureau, greeting On or around XXXX XXXX I contacted CEO American Express to process my judgement XXXX, then I contacted him 3 times later I never received any reply So far, please contact XXXX XXXX XXXX American express CEO For me, thank you for your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: ADP Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, {$980.00} was stolen from my wisely prepaid card provided through my employer while I was at work. The purchases were made in 2 different cities I do not live nor work in. They give you 10 days from when the claim was filed to send in all the proof of fraudulent activity and sign paperwork. I didnt not receive the paper work until XX/XX/XXXX but they closed the investigation on XX/XX/XXXX. Apparently this company sends out resolution letters to tell you the next steps or how to appeal. I was told I could not appeal until I get this letter. They said it was sent out via postage on XX/XX/XXXX and I would receive the letter in 7 to 10 business days. I didnt receive this letter until XX/XX/XXXX. The letter stated they found no nothing suspicious and their decision was final. So I sent in a handwritten letter with proof that I was at work. I sent all the documents on XX/XX/XXXX to their po box . I sent the letter through priority mail and it arrived on XX/XX/XXXX. They are claiming they still have not received the letter. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
3 small medical bills that were being paid direct to the medical center somehow went to collections.

I received zero communications from this company. All were being paid and should not have went to collections I have called their 800number and get left on hold. I have not been able to make communication with them and I want these debts removed they were not collections.

Company response to consumer: Closed with explanation