BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had recently filed complaints against Bank of America about taking {$5100.00} from an unrelated business checking account I had with Bank of America. Yesterday, as I had gone to my PO Box to see if my new car registration came, I find a certified mail notice and I learned that Bank of America has filed a lawsuit against me for a personal credit card ending in XXXX for an unpayed debt. I had let them know that I had run into financial trouble last year due to the terminal illness of my mother. I had also let them know that I would not be able to pay them until either my mother either got better or passes away. She did pass away on XX/XX/XXXX of this year. I also had overwhelming expenses encurred due to my not being able to work as much as I was able to normally because I was busy caring for my mother. I was also paying some of my mother 's debts, such as over {$300.00} per month for a SOFI loan she had taken out and other expenses. Since her passing, I took on two other jobs along with my current job to cover existing credit cards and getting my business back in order. The actions taking by Bank of America, and Mr. XXXX XXXX, an employee of Bank of America or one of FIA 's subsidiaries gives me the impression that Bank of America enjoys engaging in schaddenfreude or the pleasure in the misery of people who come onto financial problems due to an illness or death in the family. I had no idea that a bank could stoop so low as to sue someone knowingly, that they have a death in their family. I truly believe that Bank of America wants to render indegent those who owe them a debt. They are a merciless and vindictive organization and after reviewing cfpb.gov and usa.gov and becoming enlightened in all the dirty deeds Bank of America has been involved in, I feel it's high time that the CFPB takes punitive action against Bank of America and shut down all their operations on the territory of the US before they hurt other people. I am also contacting my congressman 's office. I am uploading some court documents with this complaint.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-20
Company: Albert Corporation
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/20, I tried reaching out to Albert to retrieve ~ $ XXXX in savings to be transferred back to the account that had initially transferred them to Albert. These funds are time sensitive for a home purchase. Albert does not share their transfer limits prior to attempting a transfer, or the amount that I've previously transferred, but are preventing me from making the transfer for being above that limit. Albert does not have a phone support, only text, and have stopped responding to my inquiries. I've requested repeatedly for Albert to close my account immediately with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Winklevoss Exchange LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, On Friday, XX/XX/2023 at about XXXX a.m. I contacted Gemini to report a potential fraudulent charge on my XXXX XXXX. Their response was to send me an email telling me that my account was now Frozen and that they would reach out for further steps. I have attempted to get into my account multiple times and attempted to contact Gemini through email and XXXX as they do not have a phone number for customer support. Since XX/XX/XXXX I have been unable to get into my account and their customer support has not issued any form of response or timeline for resolution. I had also requested a balance transfer from Gemini to XXXX XXXX where XXXX XXXX had sent the check and made the payment to my Gemini XXXX. As of today Gemini sent me an email stating that there was a problem with this payment with no further details and still no contact regarding accessing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have yet to see an update regarding my disputes. it has taken more than 120 days for Equifax to respond. Their website is down when trying to check the status of my dispute and no one answers the phone at this company. I have submitted numerous documentation ( ever from the court ) showing there are inaccuracies on my report. I have yet to receive proof of verified accounts after requesting it from this companies as proof to what they feel is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The original creditor is XXXX XXXX XXXX XXXX. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the XXXX  XXXX repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that XXXX XXXX had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that XXXX XXXX sold the debt to Protfolio Recovery who has been less then professional. Protfolio Recovery not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have Protfolio Recovery and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected PRONTO : 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
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: FL
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 sent My first letter to Equifax XX/XX/2022 asking them to investigate accuracy of the XXXX XXXX XXXX account on my credit report. I did not receive a response. I sent another letter XX/XX/2022 still no response. I sent my last letter XX/XX/2022 and i have yet to receive a response to this day but the disputed account shows updated as of XX/XX/2022. 

Also, on XX/XX/2022 they investigated the collection determined it was inaccurate and deleted it. Two days after XX/XX/2022 it reappeared on my report with no written notice which is a violation of 15 U.S.C. 1681 ( 5 ) ( B ). 

XXXX and XXXX provided me with " verified '' " updated '' results after i received their results i did my own thorough research and found several inaccuracies. 

XXXX and Equifax are reporting the collection as open which is not possible on a collection. They all show different dates for the date as last activity. 

XXXX is reporting a 1-month term when collection accounts does not have terms.

In accordance with the fair credit reporting act XXXX XXXX XXXX Account has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX, Equifax, or XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. The Names listed below are inaccurate and addresses reported. 

My Complaint is with XXXX, XXXX and Equifax XXXX XXXX XXXX reporting inaccurate information on my credit report. I have filed complaints with Idenity Theft.gov, I have filed complaints with the XXXX, Each credit Bureau and nothing resolved regarding the negative items reported, no names of the individuals who conducted investigations into items placed on my credit report without my written consent or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NC
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:
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. 

XXXX # XXXX, DEPT ED/XXXX  # XXXX, DEPT ED/XXXX XXXX XXXX, DEPT ED/XXXX # XXXX XXXX DEPT ED/XXXX  # XXXX, USDOE/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 XXXXXXXX # 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 state 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 explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2018-12-21
Company: Nelnet, 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: Credit inquiries on your report that you don't recognize

Complaint:
Department of Nelnet has been consolidated and they still have not removed all the accounts that were closed. They have it on my report multiple times for the same account balances. Please remove all closed account. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 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, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: GA
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 am writing to urgently seek assistance regarding multiple unsuccessful attempts made to both my creditor and the credit bureaus concerning inaccuracies in my credit report. 

Despite my persistent efforts to rectify the issue, there are accounts listed as " charged off '' that continue to display an incorrect balance. As per my understanding of regulations, this discrepancy violates legal standards. Moreover, when I diligently pursued investigations with the credit bureaus, the responses received merely affirm the validity of these inaccuracies, without addressing the root cause These errors are significantly impacting my financial standing and credibility. I am reaching out to the Consumer Financial Protection Bureau in the hope of receiving guidance and support to navigate this frustrating situation. Your expertise and intervention in this matter would be immensely appreciated. 

I have documentation supporting my claims and am willing to provide any necessary information to facilitate a swift resolution. Your prompt attention to this matter would be invaluable in restoring accuracy to my credit report. 

I filed a dispute with XXXX XXXX XX/XX/2023 I filed multi with XXXX maybe 2 each year and Thank you for your time and consideration. I eagerly await your guidance and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Blockchain.com, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Trading with money over XXXX XXXX XXXX  They want from me to pay this amount, 20 % for liquidation and theres signature from XXXX XXXX XXXX from your office XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was researching different lenders and I came across Rocket Mortgage. From the looks it seemed like they were very reputable. I went through the steps and the had the option to do a soft pull to see where you would be in the application process. A chat then popped up and a lady asked me to verify my identity with my last 4 after I gave it to her my phone lit up with all the notifications she had pulled my credit without my authorization. I asked her what and why she did that. She continued to say that she did tell me she was going to pull my credit. And then hung up the chat. I am very strategic about what I allow and dont on my credit and this was a violation of my rights. After speaking with a manger they acted as if there was nothing the could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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