BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: OH
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:
Credit reporting agencies XXXXXX/XX/XXXX( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Experian XXXX XXXX ( XXXX ) XXXX Experian, XXXX XXXX XXXX, XXXX, TX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX Account # XXXX Dear Sir or Madam & CFPB I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$11000.00}, and posted on XX/XX/XXXX. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely, XXXX XXXX Lastly. 

Within four business days after receiving your request, the credit reporting company must block that information from your credit report. 

Is this not the law? So why do you keep returning this account validated by the same company accused of fraud? 

I ask the CFPB to use their enforcement authority to resolve this issue and do a thorough investigation into this matter. 

A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. 

Enclosures : passport, state issued ID, utility bill with current address and more proof.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions of the consumer to whom it relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is against Bank of America. I have a small business checking account with Bank of America. My company is a XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX, I was trying to use my Bank of America debit card online to purchase airlines ticket and book hotel. I was able to purchase my airline ticket but when I tried to book the hotel online, the transaction was declined. I tried booking the hotel again and the transaction was declined again. Finally, my husband booked the hotel using his XXXX credit card. Few minutes later, I saw an email from Bank of America about Security Alert :  Unusual debit card activity detected. It showed that the airlines charge was correctly approved and the hotel charge was declined. It also showed that a fraudulent charge with XXXX for {$520.00} was declined. On XX/XX/XXXX, I was checking my business checking account and I noticed 5 fraudulent charges from XXXX between XX/XX/XXXX and XX/XX/XXXX including a charge which the bank had confirmed via email that it was fraud and declined. I immediately called the bank and told them about the fraudulent charges. They asked me if I still had the debit card and I said yes. They opened a claim and told me that since no debit card PIN was used, it was clear that it was a fraud and they would refund for the 5 fraudulent charges totaling {$3500.00}. Since the claim was filed within 60 days, they said I have {$0.00} liability. They said they would mail me a fraud statement that I have to sign and mail them back. Next day, I received a temporary credit on my account. On XX/XX/XXXX, I received the fraud statement via mail which I signed and mailed it back the next day. On XX/XX/XXXX, I called them to check if they received the form and they confirmed that the form was received and that would investigate and credit back the claim permanently with 45-90 days. On XX/XX/XXXX, I received mail from Bank of America saying that the investigation was complete and the transactions were authorized, there was no error and now they would remove the temporary credit from my account on XX/XX/XXXX. These are fraudulent charges which were charged 5 times at 4 different locations of XXXX in California when infact I was not in California during that time. The bank should not take any money from my account for these fraudulent charges. I notified them as per law and they confirmed on the phone that the charges were fraudulent and now they are denying it. I also have email from the bank that one of the fraudulent charges was declined but still the money went out of my account. I was never notified of the other fraudulent charges via email. The credit should not be removed from my account.

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 2023-03-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My Equifax and XXXX scores continuously fluctuate XXXX points with no real changes to my credit file. I am in the process of obtaining a mortgage and these fluctuations continue to happen sometimes in a matter of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: United PanAm Financial Corp.
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:
A loan for a vehicle has appeared on my credit. The company name is United Auto Credit Co. they are located XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
I have contacted the funding department at the number listed. This company does not have my name, social security number or address on file. But XXXX has managed to changed my personal information on my credit report as well added this account to it. I again reached out to United Auto Credit and spoke to a lady XXXX XXXX XXXX number above. She managed to help me when I gave her the address that XXXX had updated on my credit report ( which I don't know how they did that with out documentation ). When she pulled up the account under the address of XXXX XXXX XXXX XXXX, FL XXXX. She realized that my information was not in that account. United Auto Credit has sent a request to XXXX stating this account is not mine. But XXXX still yet has not removed this account from my credit report. I have sent XXXX documentation of my identity. I have also requested them to send me documents of what they have on this loan. Again no response. I am emotionally distress with this situation. I am needing help to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/, I sent a letter regarding inaccurate and unknown items on my credit report. I have also continually called them via phone. But p until today, I have not received a response yet. I feel like I am being take advantage of and my dispute is being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress and embarrassment it has caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person. Additionally, I have asked all the credit bureaus to verify this Bankruptcy and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I have asked all of the bureaus how did they verify the bankruptcy and they have failed to send me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless,, of several requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiry listed below XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 
All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXXXXXX XXXX XXXXXXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I told them that I am a victim of their inquiry issue and they didnt delete all the credit hard inquiries.

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 2023-05-11
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was denied housing and will now be homeless due to a collection account placed on my credit report. I attempted to contact XXXX XXXXXXXX XXXX  whom informed me that had no record of the account in collection. I was then told to contact XXXX XXXX XXXX who then informed me that the account was currently with a low firm. I explained to them account was paid in full with the law firm and needed a letter to verify the debt was paid to secure a place to live. Midland credit company was an unable to provide me a letter stating that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: MOHELA
State: NJ
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:
I initially applied for PSLF during the Waiver period last year. I then updated my non-profit employer from XXXX. I had an issue where my employer ( a non-profit public hospital ), was being flagged as a for profit. This was corrected in XXXX. 

During that same month, my Waiver credits were applied to my account, giving me 55 PSLF payment credits. 

I have waited for updates on my account, as I watch my colleagues seem to breeze through the process, with a handful already receiving forgiveness. On XX/XX/XXXX, I called at XXXX. The representative was quite thorough and found that 28 payment credits were missing for : XXXX - XXXX XXXX - XX/XX/XXXX I was a public school teacher at the time - PSLF certification was submitted and is attached to show what I submitted to account for these date ranges. The representative submitted a review on my behalf to reconcile those missing 28 payment credits. She told me that I need to wait 14 days for feedback I was anxious and called again on XX/XX/XXXX. It looked like nothing had happened yet following the request for review. On this day, this representative contacted her Supervisor, who tried figuring out why waiver credits were missing for date ranges listed above. The Supervisor also saw no reason for this and submitted yet another Review to try and reconcile the missing payments. 

I believe that whomever counted the payment credits, may have mistakenly only counted one of the two separate occasions I worked for XXXX XXXX XXXX XXXX. I worked there twice. First from XX/XX/XXXX to XX/XX/XXXX, and then I went back and worked from XX/XX/XXXX to XX/XX/XXXX. I have attached both work certifications to show what I submitted to Mohela. 

I feel that I continue to wait - call - told to wait some more. This has been a cycle. I would appreciate if the waiver credit for my 2nd time as a teacher were counted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
In XX/XX/2017 I was laid off and wasnt starting a new job until end of XX/XX/2017. I contacted capital one to inform them I had been laid off and to ask about a hardship program or assistance for months XXXX and XXXX until I can get back on my feet. They informed me since my account was current I couldnt get in a hardship, but once my account went without a payment I could. My account missed XXXX payment but I made that next payment for XXXX. I was promised that my account wouldnt report delinquent to my credit report due to me calling in prior to get help and resolution. I did get a 30 day delinquency on my credit and when I contacted capital one about this they informed me they could not locate the recorded call and there was no notes on my account. I reached out to the CEO via email and they were not empathetic or caring about the situation. I have no other delinquencies on my credit other than this one and have had the hardest time getting this removed. I even paid a company to try and get it removed and had no luck. Im to the point of being fed up with the insensitivity of this company and will never do business with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a toaster oven online from a website in XXXX for {$120.00}. I never received the product. I filed a dispute with capitol one for the charge and the XXXX dollar fee on or about XX/XX/2022 my dispute was denied i was told it was because the merchant said it was for a service. I received a letter from capital one on XX/XX/2022 that says the merchant stated the item was received and in good condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: NC
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. 
All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXXXXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2019-10-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Discovered my credit was in poor condition due to a collection agency named Fair Collections and Outsourcing demanding I pay almost {$8000.00} on behalf a apartment management company. I have no letters, emails or paperwork from this company. Just the limited information I found online when looking up my credit score.

Due to unsafe and dangerous living conditions in the apartment I was living in I had to move out of my apartment. When I first moved in I was not informed by management that the tenant was mentally unstable and actually needed a caretaker due to his mental illness.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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