BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX   XXXX ,    2017 fax ed letter to  XXXX  requesting removal of bankruptcy and tax lien on credit file as I was not aware of the source of their information on the bankruptcy and judgement. I received a response dated  XXXX   XXXX   XXXX  ,2017 that  XXXX   XXXX  reported the information a s discharged and that Case num ber  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   is currently not reporting on the  XXXX  credit file in which I do not have knowledge of what that case is.   On  XXXX   XXXX ,    2017 I  sent a reinvestigation request with a letter from Michigan  Federal Court stating they do not supply information or validate info rmation with the credit bureau 's.   XXXX   replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.

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 2023-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank Of America accuse me of pssing a bad check account XXXX XXXX XXXX written by my wife XXXX XXXX on XX/XX/2023. the fraudulent claim locked my XXXX XXXX endind in XXXX causing XXXX XXXX to lock my account ending in XXXX. On XXXX I called XXXX XXXX for an explanation and they responded you are accused of writing a check from the account ending 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 explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX the XXXX 2021 I filed a complaint with CFPB on XXXX XXXX XXXX and Equifax. Here is the complaint number : XXXX. In this complaint I asked Equifax to provide me with proof they claim they have that legally validates the debt between me and XXXX XXXX XXXX. Equifax went on record on XX/XX/XXXX and said they had received additional information from the original creditor that validated the debt. ( See bottom of form Equifax 3-3 ) What XXXX XXXX XXXX had provided had not legally validated this debt so Equifax said they had additional information from the original XXXX XXXX XXXX XXXX  that validated this debt. I have requested numerous times from Equifax to see this alleged proof. Equifax sent me a letter with the same information that is on the attached form. This is not the information I requested. They have yet to provide me with this alleged proof from XXXX XXXX they claim to have that legally validates this debt. What is in the attachment does not even meet the CFPB standards of debt validation. I filed a complaint with the SC Attorney Generals office against XXXX Funding for not providing me legal proof of this debt. I attached the File ( Equifax Dispute 3-3, and what XXXX XXXX was claiming validated this debt. ( Resurgent reply 1 ) to the complaint and the SC Attorney Generals office even agreed that neither of those 2 forms meet the legal burden of proof to validate this debt. I want Equifax to provide me what the Evidence they went on record saying they had that legally validated this debt between me and XXXX XXXX XXXX I have asked Equifax numerous times to supply me with this alleged evidence. I have a legal right to see it. I know that the CFPB is not going to make Equifax show me this evidence even though I have a legal right to see it. I am filing this complaint so I have more evidence to substantiate my compliant against Equifax that I filed with the Georgia Attorney Generals office. Equifax has claimed that they have had this evidence since XX/XX/XXXX ( See bottom of form Equifax dispute 3-3 ). They have yet to provide me with it. They went on record and said they had additional information from the Original Creditor XXXX  XXXX XXXX that substantiated XXXX XXXX XXXX claim that this debt is valid. I wan to see this evidence. I have asked Equifax numerous to produce it and they still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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 account from Bank of America is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.

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 2023-03-02
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:
Dear CFPB, I was legitimately late, but writing to explain the circumstances that led to the late payments and request your assistance with these two accurate late payments. The late payments are listed on my XXXX XXXX XXXX for XXXX XXXX  and XXXX XXXX. The account number is : XXXX My first ever consecutive late payments in 5 years with XXXX XXXX were due to a Federally Declared Disaster in California, a death in my immediate family ( death certificate available ) and my household getting infected with the XXXX XXXX  around the time of my two late payments ( explanation letter sent to XXXX/Bureaus attached ). 

I asked if they can please remove these late payments because my home 's refinance was stopped due to the two lates and our family is now in danger of loosing the home, but they sent a letter saying they have to report it by law and have no discretion to make a good will adjustment. Oddly enough, despite all my calls no executive wanted to get on the phone with me to confirm or deny this lack of discretion, and no officer or director answered any of my calls or voicemails. 

While the creditor is not doing something illegal, they are definitely being unreasonable in not removing my first ever late payments to them in five years of on time payments.

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 2023-06-10
Company: EQUIFAX, 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 information incorrect

Complaint:
Ive noticed some unverified and unauthorized report on my credit Ive listed each item and date below Ive made previous complaints and disputes and these items and according to FCRA these unverified and unauthorized items must be deleted 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 2017-05-09
Company: EOS Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted company to provide a valid contract that I had business with them company refused. I did not have an account with this company and would like for it to be removed from my credit report. Contacted bureau and they did not provide any valid documentation that this account belongs to me as well. This is hindering me from getting services in my home. This company has provided a bill ledger but not a valid contract with my signature stating that I was doing business with them or their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: FREEDOM FINANCIAL NETWORK
State: MS
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:
Back in XX/XX/2022 I filed an arbitration case against XXXX XXXX. XXXX XXXX refused to respond to the arbitration claiming contract does not designate the XXXX XXXX XXXX as the administering agency, and the XXXX XXXX closed the file. At first ( when Freedom Financial was notified about the arbitration case ), I was having a conversation with XXXX XXXX, Senior Corporate Counsel Legal, who simply stopped responding to my emails. 


Freedom Financial is violating the contractual agreement that states the party seeking arbitration can choose the arbitration company. This is very clear in the language. 

I want to emphasize that not only my contract with Freedom Financial, but the contract terms of every consumer will be into trouble due to this companys breach of contract. 
The purpose of this claim is to ask the CFPB to investigate so this company and it's irresponsibility to respond to arbitrations rightfully filed. 

I want to add that Freedom is in violation of XXXX and FCRA and the Truth in Lending Act. Freedom numerous times misbilled me and claimed to have changed my payment due date but kept on charging me frivolous late payments even though payments were being made on time per the new due date. Freedom also removed all my on-time payments and wiped out my entire payment history. When I was given this loan, I was misled into consolidating my debts, and fees and interest rates were not disclosed to me. I was charged an unconscionably high interest rate in relation to my credit score. 


Please see attachment of arbitration case. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: GA
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 requested a re-investigation of my credit profile, on around XX/XX/2022, and some items were removed, and some items remain. I requested the the credit reporting agencies remove certain items as they don't have permission to report. Pursuant 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: MD
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:
This is the 3rd attempt to fix this issue and remove the fraudulent inquiries from my Equifax account. I have faxed them 2 times the FTC report and talked to them and they saying they haven't received the report. They verified their fax number. I have a current security freeze on my reports from all 3 bureaus.

Because of the Nationally Equifax Security Breach, I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. Equifax- 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 XXXXXX/XX/XXXX. I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. I am including the FTC reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is about Claim # XXXX which BoA denied. {$2500.00} was sent erroneously to a " XXXX '' on XX/XX/2022 and I've been told that the bank can't help me. This transaction was covered under Reg E so I should be compensated if the bank can't recover the funds.

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 2021-08-02
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to XXXX both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.

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 2022-04-01
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Notice of billing error ( XXXX XXXX XXXX ) Was sent of to West Lake Financial Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 

The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. Is in violation of 7 CFR on the Contract bill state that XXXX was the Buyer and the Creditor XXXX ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 

These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e.

All debt obligations and securities are owed to the United States 18 U.S.C 8. 
they had also close my account in XX/XX/2022 i sent several notice before i had demand a validate my debt to see both-side of the ledger, RESIND my signature i was told that i cant get those in formation by mail. 

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 2022-03-12
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Specifically, there are 68 payments that have been made under my Public Service Loan Forgiveness program that Fed Loan is now claiming are " ineligible ''. Currently, I have certified my employment with a Non-profit and/or the Federal Government from XXXX, 12 Years. Two years over the 10 year time period for the program. The rationale for the " ineligible '' payments are quote " In order for a payment to qualify, it must have been a payment you were required to make. You were not required to make any payments during the following period ''. 

This is fraudulent on many levels. I made payments in good faith. Fed Loan accepted all of the payments to include the 68 in question. However, now I'm being told that on 68 occasions my payment was not " required '' although accepted and applied to my account; but because they didn't require it or send a bill it doesn't count towards my 120 Public Service Loan Forgiveness. If the payments that were made were not " required or requested '' then why would FedLoan accept them? Why wouldn't it be refunded? 

I never wanted to miss a payment given the Federal Governments high interest rate ~7 % and the overwhelming interest I would accrue. I have paid consistently since 2010. My Principal Balance is STILL {$65000.00} as I have paid {$20000.00} in JUST INTEREST and only {$3000.00} has gone to the principal.

My payments continue to increase as my income does with inflation, however its a never ending cycle that I am trapped in. I've paid ~ {$23000.00} and I still owe my original balance. Additionally I have worked in public service to serve my country and community, working as a XX/XX/XXXXXXXX and now at the XX/XX/XXXXXXXX XXXX XXXX for 12 years and still don't meet the 120 payments/10 year program requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a text from Cornerstone Legal and I suspected fraud so I started looking reviews and I'm not the only person that this has happened to. Here 's a copy of the text sent to me ( XXXX XXXX XXXX ) For XXXX XXXX : Please reply STOP if you are not XXXX XXXX. Cornerstone Legal Group recently notified you by U.S. mail that there was legal action ( lawsuit ) pending against you due to your severely delinquent account originating with CHECK N GO. Please be advised that a lawsuit would result in a civil court judgment, subsequently resulting in a wage garnishment or property lien. A civil judgment would also be reported to the credit bureaus. After a recent case management review and due to the XXXX Pandemic, we are extending you an offer to settle your case out-of-court for a onetime payment of {$590.00}. This means that if you pay this onetime settlement payment, you will be released from any further obligation to this matter and you will have a XXXX  balance on your account. In addition, any credit bureaus that this account has been reported to will be deleted upon receipt of your settlement payment. The deadline for this settlement to be paid is no later than on or before this Friday, XX/XX/XXXX, or this settlement offer will be revoked. You can make this settlement payment online at XXXX, or you can pay over the phone by calling XXXX.

Company response to consumer: Closed with explanation