BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Again, despite repeated requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus are required to correct or remove but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts should correct removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX XXXX Balance Owed : {$30.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX Balance Owed : {$1300.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$310.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.XXXX XXXX XXXXBalance Owed : {$9600.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$10000.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.

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 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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 opened a credit card with Bank of America XXXX XXXX, XXXX. I had an active auto pay with Bank of America on another card. 
I requested to have auto pay added to my card on XXXX XXXX, XXXX, submitted the form by mail, BofA did not process this, I requested another auto pay form on XXXX XXXX, and kept fax confirmation after sending it to XXXX. 
I called back after receiving my statement in XXXX not showing active auto pay, so I submitted a third auto pay form on XXXX XXXX. 
Bank of America sent a letter acknowledging receipt of the auto pay and successful processing on XXXX XXXX, then failed to process my payments for XXXX XXXX and XXXX XXXX, then reported me as 30 days late. I 've tried to resolve this directly with BofA to no resolution.

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 2022-04-20
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am a recipient of XXXX XXXXXXXX XXXX XXXX subsidy payment and I moved out of XXXX XXXX at the end of XX/XX/2013. ( Proof enclosed ) The property manager at XXXX XXXX signed my approval to leave the premises during my recertification 2 months prior to my departure at the end of XX/XX/2013. A new contract was entered into and signed by the new apartment complex ( XXXX XXXX XXXX XXXX ) on XX/XX/2013. After signing this lease I moved into those apartments both the XXXX and XXXX and on XX/XX/2013 my payment for the subsidy was paid to XXXX XXXX XXXX XXXX. Although the property manager approved this moved two months prior, he did not inspect or sign off on the Move-Out until XX/XX/2013 in which they are trying to charge for an additional month 's rent. They took my deposit of {$400.00} and charged me ridiculously for paint ( {$200.00} ), trash left ( {$150.00} ), 5 blinds ( {$120.00} ), 1 shower rod ( {$10.00} ), spackle ( {$50.00} ), kit cleaning ( {$220.00} ), bath cleaning ( {$300.00} ), water bill ( {$31.00} ) and again prorated rent owed ( {$640.00} ). This is enclosed as well. I satisfied my obligations to XXXX XXXX, XXXX XXXX XXXX XXXX ( or else I wouldn't be eligible to still receive the subsidy payment ) and my new responsibility to XXXX XXXX XXXX. I don't believe I owe XXXX XXXX any monies, especially with them keeping my deposit. If you'll notice of all the charges brought against me, there is no mail box or door key charge because I put the keys in their hands at the end of my lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: MO
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:
XXXX 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 XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BMW Financial Services NA, LLC
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: Information belongs to someone else

Complaint:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit report. 

The information for this account listed on my credit report is : CREDITOR : BMW FINANCIAL SERVICES, BMW FIN SVC, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$57000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: SC
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 familiar with the facts recited below ; and hereby declare under penalty of perjury that : I, XXXX XXXX XXXX  am a living woman, divinely created by the All Mighty Creator, created in his image, to have a divine experience in the Jurisdiction he created and lawful constitutional rights to privacy. As living beings we do know and defend our unalienable rights at all points in time, and are willing to express those rights if need be. 

15 USC 1681 ( a ) ( 1 ) ( 2 ( 3 ) ( 4 ) - Congress makes the following findings ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681a ( d ) ( 1 ) ( 2 ) ( A ) ( i ) - Exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information.

I have tried for several months to resolve the inaccuracies and non-disclosure information reporting on my consumer report without my consent. I am a victim in XXXX XXXX breach and Experian has purposely ignored my complaint of inaccurate reporting with sending me computerized responses and continuously furnishing inaccurate information violating my rights to privacy and the FCRA. Experian inaccurate reporting has caused me financial stress by defaming my financial reputation and slandering my character to utilize my consumer credit.

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 2023-07-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called XXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX years for the account to fall off of my report. XXXX years later, my credit scores ( Equifax and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with Equifax recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was a victim of a scam, my bank is Bank Of America. I submitted my claim with my bank about this issue but they cant seem to help me. I lost my XXXX XXXX and theyre not able to retrieve my funds or approve my claim when I have given them all the information about the scammer, his email, the amount sent, etc. Its unfair that this scammer is able to keep my money with not consequences. I just want my money back because I really need it right now. Especially, with this economy. I really hope you can help me get my funds back. Thats all I care about, getting my XXXXXXXX XXXX 

Thank you.

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 2022-12-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

Company 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2018-05-16
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX XXXX XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation