BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2022-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
Bank of America reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on XXXX ). On XX/XX/XXXX, BofA reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with BofA both via XXXX 's website and on the phone with BofA on XX/XX/XXXX. I spoke with a BofA representative a couple of days later, and I was told the information was being corrected. XXXX showed the dispute as confirmed accurate on XX/XX/XXXX. I called BofA again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect information.

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 2018-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was reported to XXXX over a year ago for a fraudulent activity that took place on a bank of america account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting XXXX but the account i requested to be resolved have been bypassed. I am seeking immediate results.

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 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It all started when I tried to make a payment ofXXXX through XXXX 's automated system. There was a system error, so the automated system recommended that I make a one cent adjustment to the payment because the automated system couldn't process a payment of the same amount. Thus, the total was changed to XXXX. Bank of America took both payments from my account, so I called to dispute one of the payments. I talked to XXXX first to find out if both payments went through. Only one payment went through ( XXXX ), so I disputed the payment ending in XXXX There was even a three way conference with a XXXX rep and a B of A Soup so that there were no misunderstandings and some how B of A still managed to dispute the wrong payment. They disputed the payment ending in XXXX. Because of this mistake my XXXX account was cancelled on XX/XX/2017. Now XXXX wants more than the returned payment in order to reactivate the account in addition to the reactivation fees and prorated that will generate on the next bill. When I explained this matter to a claims rep he notated the account stating I would need help with the prorated charges and reactivation fees that would generate. I talked to another rep from the bank and she told me to fax proof of the amount XXXX needed in order to reactivate the account. I got the tangible info needed and sent a fax over to the claims specialist as instructed. I called a few days later to check the status of my claim in regards to reactivating, and he told me that b of a would not be paying me for anything but the returned payment not the result of their mistake. Right now XXXX XXXX is asking for XXXX in order to reactivate because the was a balance coming due XX/XX/XXXX of about XXXX. If this matter lingers ill be billed for the XXXX worth of equipment that I'm currently financing, I also lost monthly discounts such as free tablets and a discounted XXXX  that will become full price when the account is reactivated. I also had a grandfathered plan that was forfeited and will have to face a monthly increase of about XXXX dollars a month in order to get the features that I had before the account was cancelled. I want compensation for the entire account and the difference that I had to pay after losing my employee discount. I keep getting the run-a-round and at this point I just want a viable solution to a sticky mess that I don't believe I'm responsible for! 
Update : the account is now in collections and has been canceled ever since this incident.

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 2017-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America servicer for XXXX XXXX, is the plaintiff in a foreclosure motion in superior court of nj, that that does not mention XXXX XXXX or the Trust originally listed on earlier paperwork As plaintiff to the foreclosure motion as required by law. Also Bank of America originally sent us 3 different loan modifications letters in 2016, which we accepted, paid the 3 trial payments, even though the payment amounts changed with every letter they sent, causing us more hardships ... when we finally became permanent, the balances of the account were incorrect and Bank of America servicer of the account has never rectified the incorrect balances due to the modification letters they incorrectly kept sending us. We ask the CFP to please have both Bank of America and XXXX XXXX answer these serious issues, concerns and hardships caused and request an immediate stop of the foreclosure actions in superior court of NJ and request for 3rd party mediation. Many Thanks. 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 2023-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 

XXXX XXXX agreement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$37000.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't 've be there

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 2022-05-29
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting Act the below account has violated my federally protected rights to consumer privacy and confidentiality under 15 USC 1681 : XXXX  XXXX 15 U.S.C 1681 section 602 A : states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
My consumer rights are being violated. My credit report is reflecting late payment of XX/XX/2021 for Navy Federal Account XXXX. Pursuant to 15 U.S.C. code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Please remove inaccurate information from my consumer credit profile with XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to gain access to my Equifax report and score since XX/XX/2020 TO NO AVAIL! I've called, I've emailed, I've fax numerous times, I've sent regular mail - everything that they asked for. I've sent copies my Driver 's License, my SSN card, my voter 's registration card and a utility bill. They should have this information in their office at least 8 times - sent the variuos ways I've mentioned. 

If they are using an old email XXXX to contact me I will never get it bc I no longer have access to that email. I have informed them of this - what feels like XXXX times. My current email is XXXX. 

Please, please, please, please, please tell them to fix this immediately as I have proven who I am countless times. 

This is my XXXX complaint on this. There are attachments in the other complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So this person I have him {$1000.00} USD on XX/XX/2022 and after that he ended up sending me malware then blocking me on all contacts and I asked paypal to give me my money back and all they said was " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$1000.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX  PDT. '' Paypal hasn't allowed me to submit another report about this nor allow me to submit a Disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Halsted Financial Services, LLC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime closer to the start of the year 2022 HALSTED FINANCIAL SERVICES begin trying to contact ( harass ) me about an alleged debt I have never heard or seen this company prior meaning its impossible for me to have a contract or any debts owed to them on XX/XX/2022 I mailed a CEASE AND DESIST letter out that I will also copy and paste here in this complaint and the letter was received on XX/XX/2022 via certified mail and no action or remedy was taken by the company on my behalf in fact they continue to send false letters with alleged debts on them below is the letter that was mailed and received : Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, HALSTED FINANCIAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : 1. XXXX out the balance on this account. 

2. I do not give HALSTED FINANCIAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ).

3. I do require you, HALSTED FINANCIAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

4. I do require that you, HALSTED FINANCIAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.

5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United Stat
es of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on XX/XX/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2012, my grandfather, who was in the early staages of XXXX and the only financial provider of the household, stopped making mortgage payments. The original servicer was Ocwen. The home was in the beginning stages of foreclosure. The only option Ocwen gave us to reinstate the loan was a shared appreciation modification ( we just learned ). He accepted the modifcation because we did not have the 6 months of payments to make to Ocwen. My grandfather has since passed away and my XXXX year old grandmother remains in the home with her XXXX daughter. We went through probate to have the home transferred into her name. The new servicer of the loan is PHH. We were close to making the final payment of the modified loan when PHH sent us a payoff amount for shared appreciation of XXXX. We immediately contacted them and received the run around for several days. In summary, they could not assist us. We even tried to have the amount refinanced so that we could pay XXXX XXXX in installments. They would not assist us. We received a new payoff amount of XXXX on yesterday which must be paid immediately. I asked how can the amount increase by XXXX in only a few months. The representative stated that they used the XXXX home value amount to calculate the shared appreciation. This company will not assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an XXXX  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 XXXX  offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-05-29
Company: Experian Information Solutions 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, XXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: PA
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  Accounts # XXXX XXXX  XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-11-02
Company: NAVY FEDERAL CREDIT UNION
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code $ 1681a - Definitions ; rules of construction. 
Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 134 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Regarding XXXX XXXX and Navy Federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Accounts are saying that it's the U.S. Department of Education reporting but there are other companies reporting of the bureau which is fraud. I've been asking for a lawful contract with wet signatures from both parties and a proper bill and record of accounting to assess any damages if there are any. instead my rights are being violated and damaged. defamation of character, identity fraud and more. I am getting reports from CRA 's with different addresses that I've written to all of the concerning this matter and most of them are returned or are being answered by other companies. GREAT LAKES HIGHER EDUCATION CORPORATION AND AFFILIATES wrote saying they had " uncontested wet ink documents '' and also said they sold information or sent information to another servicer fraudulently. I've never seen a signed wet ink contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: CT
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:
I sent a dispute to Equifax on XX/XX/2019, I have yet to receive a response and this is not the first time this has happened with Equifax , they seem to not send dispute results as required or even complete a dispute that was properly requested.

Company response to consumer: Closed with explanation