BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
After months of disputes and an attempt to settle the balance with the merchant, and successfully paying off an agreed settlement offer, the merchant went back to my credit reporting agencies and removed my closed account status and reopened it, replacing the CLS ( CLOSED STATUS ) with a CO ( CHARGEOFF STATUS ). 

In XXXX I took advantage of the settlement offer, paying a little more than {$300.00} towards the balance to have it closed out. I was advised by the Bank of America XXXX merchant ) XXXX XXXX  representative XX/XX/2022 that after paying off the settlement, their institution would send a CLOSED status update to my credit reporting agencies. I proceeded with this offer and ended up paying off the settlement earlier that I had agreed to do. My 1st 2 payments were XXXX and XXXX. In XXXX I paid the rest off to close out my settlement sooner than scheduled. 

During this time I continued getting Chargeoff STATUS updates on my reports. 

On XX/XX/2022, Bank of America finally updated my reporting agencies with my completed settlement status. 

On XX/XX/2022, I received a XXXX XXXX increase on my credit score due to this settlement update, with a CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX for this merchant. 

Exactly 4 weeks later, on XX/XX/2022, I received a XXXX XXXX  decrease on my credit score due to Bank of America reupdating my credit report by removing the CLS ( CLOSED ) status update on my month to month history bubble for the month of XXXX. 

I reached out to Bank of America about this and their supervisor would not articulate why they did this. Rather, he tried to spin circles around me with excuse after excuse that it wasn't their fault. XXXX XXXX claimed that the above half of my credit report for this merchant was correct and that the bottom half of the report which showed the history of payments, although incorrect, wasn't important and wasn't their fault and that I needed to submit a dispute with my credit reporting agencies, eventhough I already had done so to begin with, which is what caused this mess in the 1st place. 

CONCLUSION. 

This account is CLOSED, and the merchant submitted an update in XXXX to reflect this fact. They then went in a 5 weeks later and reversed their update from CLOSED, and slammed me with a " MISSED PAYMENT '' for XXXX which dropped my score! 

THIS IS FLAT OUT WRONG AND NOW MY CREDIT WAS RUINED BECAUSE OF THEM EVEN AFTER PAYING THEIR STUPID SETTLEMENT!

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 should show never late, has MO child support XXXX, MO child support XXXX, XXXX  XXXX, Child Support Enfmnt XXXX 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

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 2022-05-26
Company: EQUIFAX, INC.
State: TX
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 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 XXXX 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since 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 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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've been contesting fraudulent ITEMS on my credit report. The items are not in dispute and have not been deleted from my report. The agencies appear to be ignoring the trend and allowing these false things to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be provided if the things claim to be mine. I'VE HAD ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO REALLY DO SOMETHING? LOOK AT THE ATTACHMENTS! THIS IS NOT ROCKET SCIENCE! You requested documentation, which I provided. AGAIN AND AGAIN! This is my last choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2008 ; XXXX XXXX Balance : {$0.00}.

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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've been contesting fraudulent ITEMS on my credit report. The items are not in dispute and have not been deleted from my report. The agencies appear to be ignoring the trend and allowing these false things to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be provided if the things claim to be mine. I'VE HAD ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO REALLY DO SOMETHING? LOOK AT THE ATTACHMENTS! THIS IS NOT ROCKET SCIENCE! You requested documentation, which I provided. AGAIN AND AGAIN! This is my last choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2008 ; XXXX XXXX Balance : {$0.00}.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
COLLECTIONS ADDED TO ALL THREE COLLECTIONS BUREAUS-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND IT IS PAID. PLEASE REMOVE FROM ALL THREE BUREAUS. 
1. TRANSUNION 2. XXXX 3. 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-06-21
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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 fraudulent activity Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
I filed a dispute in regards to the incorrect item on my XXXX. It has been well over 30 days and I have yet to receive any investigation results. 

ACCOUNT : BANK OF AMERICA REPORTED FOR : SUSPECTED FRAUD ACTIVITY DATE OF CLOSURE : XX/XX/2017

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 2019-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a XXXX rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XX/XX/2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ma'am or Sir, I noticed on my credit report there was a collection account appearing for a modest amount that I did not recognize.

I had never received any validation notice telling me how much money I owe within five days. I have never been contacted. On my credit report, it shows the name of a collection company and the name of our former ( horrible/traumatizing ) dentist. I contacted the dentist to resolve the issue but they have been unresponsive.

Despite the fact that I do not owe, and despite disputing the item with the reporting bureaus, the item continues to appear on my reports.

As it is appearing as a derogatory " collection '' it is adversely impacting my credit score. I recently lost my mother ( XX/XX/18 ), we were left with a home in XXXX I'd like to purchase from the estate/siblings, in order to keep it in the family.

I am patiently awaiting PROMPT resolution so the bank can run a credit check for approval of my mortgage loan ( without this erroneous collection appearing ). I am a first time home buyer and am diligent about paying my rightful obligations.

Additionally, I work in XXXX XXXX XXXX and my security clearance is in the process of being renewed. This item is adversely impacting that outcome as well.

Yesterday I provided the dentist with a FSA FEDS claim form that he must certify, verifying a service was provided, along with an email of my request and opportunity to dismiss the trade line without incident ....

I have received no response despite inquiry and a recent call to the office to resolve the matter was met with rude reception yesterday.

I have left messages requesting that XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) call me directly. My requests are being ignored or perhaps the messages are not making it to him. Poor business practices. : ( Please advise.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-08
Company: 4M Collections, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I received a notice on my credit reports that a company named Solverity placed a tag line on my credit reporting stating that I had a charged off account, owing {$110.00}. After some research it seems that the original owner of the account was owned by XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, WA XXXX. I had a balance on my waste account for ( {$110.00} ) for which I paid on XX/XX/2023, via an online payment using XXXX XXXX  website. I even spoke with a customer service agent, and I was never informed my account was sent to a debt collection company. I never received any notification from Solverity about the debt, and I was not allowed to verify the debt as allowed for in the Fair Debt Collection Practices Act ( FDCPA ). " Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account without my written authorization.

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