BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MD
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00}

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 explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 : 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 2017-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Balance transfer

Complaint:
With moderate yet problematic cc debt ( {$13000.00} ; XXXX accounts ), I applied online to Bank of America for a balance transfer of XXXX of my existing accounts. When they gave approval with a {$5000.00} credit limit, I decided not to activate my card, intending to follow-up after more research and deliberation. Instead, B of A activated the card without consultation and applied the balance transfer to my XXXX account ( {$9000.00} ) instead of using the limit on my XXXX account ( {$4000.00} ), meaning suddenly, I had XXXX credit card payments instead of XXXX. 

I had no idea this had occurred until Friday, XX/XX/2017, when I received a phone call from B of A. Upon speaking with them, I grew incredulous about two things : 1. I did not activate my account and even responded that the credit limit was not sufficient to open the account ; and, 2. rather than transfer a single account within their imposed {$5000.00} credit limit ( a one to one transfer from XXXX to B of A ), they split my XXXX account, meaning I had to continue paying on my old account and now ... on the bank of America account which I never activated because financially, I am only capable of paying down XXXX credit card balances. 

Now, I am getting up to 5 calls a day at home and work from B of A and it does n't matter who I speak with, there is no amiable resolution. I told one rep that for them to start dinging me with late fees and interest was absolutely unacceptable. Yet, the story remains that whoever at B of A I speak with, they just want money and are oblivious to the unfair practices of a ) opening my account ; and b ) doing so without my input. 

This truly represents bad customer service and bad business practices by bank of America. even when I have been forwarded to a service manager, I have to start from " my story '' from square one. B of A 's most repeated solution is for me to get the money back from XXXX, which is akin to " look, we know we kind of screwed you over here, but it 's not our problem ''. 

This whole matter has become stressful and I now regret that I even applied for the B of A credit card. Their whole focus is not on making customers happy or even addressing customer concerns, it is to ensure that their collection agents have something to do. 

I am extremely disappointed in this process, even more so in Bank of America.

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 2020-10-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for a loan modification with Ocwen in XXXX of XXXX, and I was approved for a loan modification with 3 trial payments, I was approved for a Principal reduction for {$150000.00} that was to be given in 3 parts over the next 3 years, I completed my trial payments in the month of XXXX as planned, and I was told by Ocwen that I would receive an agreement to sign and return, I waited for the agreement for the whole month of XXXX, and no agreement ever came, made repeated calls and asked them to send me the agreement and they just made me wait each time, I even tried making payments during this time but Ocwen would not accept my payments, they kept saying that they won't accept any payments until and unless they have received a signed agreement, and finally they sent me an agreement on XX/XX/XXXX of XXXX, I returned the signed agreement the same day and cleared all the missed payments as soon as they received the agreement. 

I have been fighting Ocwen and now PHH ( as they were taken over by PHH in XXXX ), but I have been turned down the {$150000.00} without any mistake of mine, I need PHH to correct their mistake and give me my {$150000.00} discount as I have never been late on my mortgage ever since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
The following hard inquiries appearing on my credit report are unauthorized and/or not recognized by me. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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:
As of XX/XX/, I have sent letters asking the reporting agencies to furnish the supporting documents and PROBABLE evidence that I have any obligation to the mentioned accounts.

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 2017-03-18
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. 

This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. 
Consent to publish the description of what happened? Consent provided Supporting documents

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 2023-04-30
Company: EQUIFAX, 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. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account -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.

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 of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Bonneville Billing and Collections
State: UT
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:
Bonneville Collections is reporting a debt on my credit file that I do not owe. I took a look at my credit recently and noticed this debt, I immediatley called and settled this debt with them. Once I had settled it I had requested this debt be removed and I was told to put in a written request which I did but I never heard back. I am aware that Bonneville can report to the bureaus as they deem necessary and I ask they remove this debt. This has been settled and paid and now ask they remove this. If not removed, I will have no alternative than to exercise whatever rights and remedies I have under the law to enforce the removal of this debt, not limited to legal proceeding against Bonneville.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: CO
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:
I recently closed and paid in full an account with XXXX XXXX XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all 3 credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all 3 credit bureaus have failed to do a proper investigation.

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 2023-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-07-16
Company: Byrider Franchising, LLC
State: CO
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:
JD BYRIDER reported full repossession with {$0.00} owed in error after I paid {$700.00} to restore the account. I made the payment 6 days prior to the company making the report as shown on all credit reporting agencies. This caused my credit score to drop almost a 100 points even though I have full possession of the vehicle. I called the company and the finance manager stated they would not have done that and would look into it. The following day they shut off my car while we were at a convenience store. I have proof that I was only 2 weeks late on payment. Not 30 days. I pay biweekly. Their f8nace team sent an email about payment today but did not state the car would be shut off. There are major repair issues that they sold me the with and yet they refuse to fix without me paying for it. I have asked to file a formal complaint about the illegal reporting and they have not responded. They took my money XX/XX/23 and reported on XX/XX/23 full repossession with {$0.00} money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase allowed an unknown person to gain access to my account and disable XXXX ( multi factor authentication ) that I had previously enabled for my own protection. That person ( s ) purchased additional virtual currency with my linked credit card and bank account and immediately transferred the available funds, about {$3800.00} worth, to an untraceable address. I altered coinbase as soon as I saw the emails saying I had transferred funds. But their only method of contact is email so a rapid response is not possible, no phone or live chat is available for their customers. I changed my password and locked my account to prevent any further access. When coinbase later responded they said all charges are final no refunds will be offered. It is their laxed website security that allowed someone to change my security settings then quickly transfer out my money. They charged purchase fees on these fraudulent transaction and actually made a profit while I lost about {$3800.00}, they have no incentive to fix their account security since they still make money even when they let your account get hacked. 

Common sense would dictate when an accounts security is changed like email address changed, multi factor authentication method disabled or password changed that account should be prevented from sending any funds out for 24-48 hours. They did not do this. 

I filed a complaint with the FBI Internet Crime Complaint Center ( IC3 ) and local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: ZARVAD III S.A.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My brother and ex sister-in-law received multiple calls about my debt even though I asked them not to contact me or anyone else about this debt. Here is a transcription of the message left today XX/XX/XXXX : Hello. XXXX XXXX XXXX, My name is XXXX XXXX. I'm contacting you today, in reference to a claim that is being filed, the claim is not being filed against you. XXXX, it is however, being filed under the name of and against XXXX XXXX XXXX birthday XX/XX/XXXX. She is XXXX XXXX  of age. Now I'm required to make you aware XXXX that your name and number has been listed as a point of contact for XXXX XXXX XXXX. It also appears that your residential address may be listed as a possible likely place of location along with her home address and her place of employment. Now, the claim is schedule will be processed today with the current information that's on file. However, XXXX of you or XXXX XXXX, you have any questions or concerns regarding her claim. I would suggest contacting that filing office right away that can be reached directly at XXXX. Again XXXX. Bear in mind. XXXX make XXXX aware she would need to contact them prior to the order of location being executed out for her because at that point, her claim would be discharged out of that office, XXXX then forfeit, not only the right to speak with them, but at that point, she would be officially forfeiting any and all other rights that she may be entitled to currently through their office as well. XXXX XXXX XXXX, it is being documented that you have been notified. However, we will proceed with the order location for XXXX XXXX XXXX XXXX XXXX  of age regarding claim number. XXXX  XXXX. Unless we do receive other instructions right away from that filing office. Uh That number again. XXXX. Thank you. 

I contacted them today spoke with XXXX XXXX at XXXX, who is " collecting '' on their behalf. He said that MyPayDayLoan said this was fraudulent since I did not pay it but I was laid off. I was strong armed into setting up a payment plan. 

XXXX 's phone number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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, the following companies have violated my rights XXXX XXXX  account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office *XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX XXXX reported late, but my account was set on automatic debits 15USC 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-11
Company: EQUIFAX, INC.
State: FL
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:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: AMERICAN EXPRESS COMPANY
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:
All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy 3. AMERICAN EXPRESS ( xxxxxxxxxxxx XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof.

Company response to consumer: Closed with explanation