BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  and transunion are still reporting inaccurate and unverified information particularly 2 bankruptcies on my credit report. XXXX  & transunion have stated that they verified this information via the court & XXXX XXXX both of which are lies, the court house provided a letter stating they do not verify any information to any third party vendor or credit bureau, a formal complaint has been filed against XXXX XXXX in which they replied they removed both bankruptcies due to not being able to verify, I have attached the letter from XXXX XXXX in which they have removed the bankruptcies. XXXX  and transunion must do the same since there is no bankruptcies to verify.

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 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of {$2100.00}. A scammer posed as an employer XXXX XXXX XXXX XXXX XXXX XXXX on XXXX which looked completely legit using a real business. I applied for the remote/work-from-home position, the fake employer reached out days later to schedule an interview. I interviewed XXXX XXXX XXXX XXXX XXXX XXXX and accepted a job offer and even signed an employment contract with the business. The employer then advised that my work materials like a computer, monitors, docking station and printer are funded through a contract with their insurance company that provides health benefits for the company. The employer said the insurance company XXXX XXXX will send me a check for the amount of the items, and I am to deposit the check which I did for {$2100.00}. I didn't think much of it as from my understanding this was a XXXX XXXX XXXX XXXX, and I haven't applied for a job in over a decade. Once the check hit my account and cleared which it did on XX/XX/XXXX, I was then to transfer money to ( 2 ) individuals via XXXX which I did. I was provided their names and email addresses for the transfer. The two individuals were the supposed vendors that supplied the computer etc. I figured this was just part of their process since again they are a small company and I have never applied for a remote position before. I didn't know what to expect. After transferring the money as directed, come to find out that the check from XXXX XXXX that was provided to me was returned on XX/XX/XXXX, and the bank XXXX Bank of America ) took the funds out of my account to cover the returned check. I have ALL documentation, XXXX conversation, emails, etc from this scammer. I placed a claim with Bank of America on XXXX XXXX XXXX XXXX that was denied. I also reported the scammer to 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 2021-08-11
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:
I sent couple of letters to Transunion and XXXX to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in XXXX and Transunion. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of items which do not belong to me or were opened without my permission. 

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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-12
Company: FC HoldCo LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As you can see from attachment monthly statement, I am {$23.00} ahead in my payments with the next monthly installment due XX/XX/21 in the amount of {$420.00}. Now, as of XX/XX/21, my account says that I am {$95.00} past due and new total of {$320.00} is due on XX/XX/21. How can a past due amount reduce an amount that isnt due yet. This is outright FRAUD!

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 2020-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am preparing to purchase a home, I have been monitoring my credit report thru XXXX XXXX and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit on Equifax. They have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company and explained te debt was not mines. I was no longer living in that residence.someone stole my information and created accounts in my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Delete the following information of my file which are addresses and name variations. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX N. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Delete following name variations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX and is how it has to be on my credit file. I have one name not three names.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: National Debt Group of NY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received an 'Important XXXX Notice ' ( I never received a XXXX notice ) on pink paper on XXXX/XXXX/2015 from a company that did not even put its name on the notice - I found it in the return address. 

When I checked the XXXX, this company ( National Debt Group ) has had several complaints, and an 'F ' XXXX rating. An internet search brought up a plethora of complaints and actions against this company, including a Complaint pleading from the State of Oregon, that they were n't even set up as a corporation, nor were they registered as debt collectors. 

I have no outstanding unpaid debt, so I have no idea what debt this is supposedly about. The 'Est. Creditor Balances ' = {$20000.00} according to them, with a settlement offer of {$10000.00}. I am sure that this is a scam to scare people into paying money that they do not owe. I BEG YOU to look into this company and do something about this. These kinds of places are a scourge on our society. If I was XXXX or not too smart, they could very easily have duped me into paying money that I do n't owe. 

Thank you very much for all of your work!

Company response to consumer: Untimely response
Consumer complaint received 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to fix this issue since XX/XX/2019. Bank of America has now screwed up two of my accounts trying to fix it. I wrote my last letter on XX/XX/2019, and have not heard from them since. I am so frustrated I am at my wit 's end. 

On XX/XX/2019, I made a payment from my bill pay account to the wrong account. The account ending in XXXX was no longer an active account. I did not realize this until my credit card showed I had not made my payment. In investigating this, I realized what I had done. I then called Bank of America 's toll-free number and spoke with an agent and she said she would send my information to another department for investigation and they would get back to me. When I did not hear from anyone, I called back and got the same song and dance. After another interval without hearing from anyone, I decided I would message my concerns from the internal messaging system in my account. I sent no less than 8 messages, with only " canned '' or no responses. 

It was then I started my letter-writing campaign. My first letter was dated XX/XX/2019, and Bank of America sent me a letter back, dated XX/XX/2019, stating they could not find the payment I was talking about. This, even though, I had sent a detailed letter explaining everything and copies of all the documentation ( even a screen print of the account the {$57.00} payment was made to ). 

I wrote them back on XX/XX/2019, and sent all the attachments again and explained the situation again. On XX/XX/2019, I received a letter stating they had found the {$57.00} and credited it to my account. What they actually did was take a payment made to my husband 's credit card and put that money toward 's my account. 

My last letter was dated XX/XX/2019, and was directed to a Manager and told them what they did was totally wrong. I, once again, included all the documentation and told them EXACTLY what had happened. 

Since this last letter, I have heard nothing from them. It has now been over a month. This shouldn't be that hard. I told them exactly where the money went and gave them proof of that multiple times. I just want my accounts fixed.

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 2017-04-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have had an issue with American Express regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from XXXX. I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with XXXX and still no letter. I am not clear who is responsible for this case anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX bankrupcey experian dispute report # XXXX i have disputed this account on more than one occician and i have also asked experian to provide me with a verifaction letter of the data and information of this account and i get nothing and the disputes always say nothing has changed this bankrupcy belongs to my ex husband i never filed nor did i ever sign anything this bankrupucy has hurt me and my credit as far as buying anything i get turned down everywhere i go this has effected me mentallly and emotionaly

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 2016-03-23
Company: First Recovery Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoken with them on the phone every day for the past week and they continue to call me multiple times per day repeatedly. When I have asked for additional information or asked to speak with a supervisor, I 'm told they wo n't answer questions or transfer my call because I owe them money. I have been rudely hung up on multiple times now.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-10
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The car I have financed with Westlake Financial Services was paid off by my insurance on XX/XX/2020 due to a total loss. The check has been received and cashed by Westlake but it has not been applied to my loan. Westlake has stolen a {$26000.00} check and is still billing me and charging me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Meade & Associates, 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:
Company : Meade and Associates. 

Never received documentation of amount owed, or and itemized breakdown. Amount was paid to the original debtor and never removed from collections.

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 2021-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX  AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital one agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have a host of hard inquiries that I have previously reported to be fraud on three credit reporting agencys reports. I have no knowledge of these inquiries. 
Inquiry : 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 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 2022-05-14
Company: EQUIFAX, INC.
State: NY
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:
The law under 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report. Late payments are illegal as per the Federal law.

Company response to consumer: Closed with explanation