BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: IL
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 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/21 deposited USPS money order they told me it would be available next business day then later they put 10 day hold on it. This is second time this happened but it happened before with XXXX VA branch this is XXXX VA branch. I cant get in touch with branch and I put in complaint on branch manager through customer service. This is second complaint with OCC about same issue. They keep doing this these branches make there own rules??? This is crazy I need my money when they say Im suppose to get it. No other bank puts a hold on USPS money order for 10 days!!! Im closing my account with this bank as soon as I notify companies that take money out 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 explanation
Consumer complaint received 2021-03-05
Company: Marlette Funding, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have had a loan with Best Egg for 14 months. Every month I have paid interest between $ XXXX. Suddenly, this month, they are demanding to apply approx. {$XXXX} toward interest and {$XXXX} ( more or less ) toward the balance. When I ask for an explanation or reconsideration I get nothing. I have paid off thousands toward the balance of this loan. My interest should be going down, not up. This company should be held responsible for stealing from their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXXXXXX are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. Equifax is also reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: DISCOVER BANK
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ANY/ALL agents continue to violate me in due process of XXXX and/or XXXX Securities and exchange act. They have been properly notified and aware of Any/All agents actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted by a company named XXXX XXXX XXXX XXXX, XXXX who alleges that they are representing ACE cash express in an attempt to collect a debt from XXXX. I have explained to the company, XXXX, that I am unaware of this debt and that its been 16 years ago. I have not received proper documentation verifying the debt as they indicate that I obtained a payday loan in XXXX. I have asked for the documentation and have not received this. I have contacted ACE and they indicated that I have a XXXX balance and any debt was charged off and sold to company XXXX in XXXX. XXXX was contacted on XX/XX/XXXX and they indicated that they do not contact individuals in this threatening manner and that they no longer have the account as it was sold again to a company XXXX XXXX  who when canted had no information on the account. 

The company XXXX has contacted 4-5 different relatives and friends threatening to sue me and them for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been disputing the errors on my credit report with TransUnion for over a year. As of XX/XX/2023 they have blocked me from my own report. I tried weekly on XXXX XXXX XXXX  and was denied every time. I then called TransUnion, the said the escalated my complaint and I would be contacted, but I never was. This is illegal. They can not block me from my own report. Please advise.

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 2021-03-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint here at CFPB ( complaint ID XXXX ) about this and received a letter from the other party. My claim was about National Credit Adjusters appearing on my credit report for collecting on an alleged debt with XXXX XXXX. On the letter I received from National Credit Adjusters as a response to my first CFPB complaint, they noted that, " Our records indicate that NCA has been reporting accurately to teh credit bureaus on your XXXX  account. '' WHAT IS MY RISE ACCOUNT? MYCREDIT REPORT WITH XXXX SHOWS A COLLECTION ACCOUNT FOR XXXX XXXX UNDER NATIONAL CREDIT ADJUSTERS ' NAME. What NCA wrote on the letter does not answer the question I posted on my first CFPB claim. ALso, they did not provide me with proof I owed the original creditor anything ( e.g copy of contract, billing statement, etc ). AND NOW THEY MENTIONED " RISE '' WHICH I DO NOT RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are multiple inaccuracies in all of these reports from XXXX, Equifax, and XXXX such as dates for payments such as XXXX XXXX XXXX  XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX XXXX inaccurate dates for late payments in XXXX, transunion, and Equifax. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX CO, XXXX XXXX XXXX : - XXXX & XXXX XXXX XXXX XXXX {$110.00} XXXX & XXXX XXXX XXXX XXXX {$960.00} XXXX & XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXXI, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXS Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2023-07-28
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caller contacted me around XXXX CST on Friday XX/XX/XXXX. Said he was from a collection agency. Had my name and location of clinic I went to in XX/XX/XXXX. I went there for an ER visit and filed with both the Department of Labor and Department of Veterans Affairs to cover the costs. But caller said I owe around {$2000.00} in medical bills. He said he would help me by reducing it to about {$1700.00} if I paid during the call. I told him I should not owe anything since I filed the ER visit as work-related, which covers me as a federal employee. And should also be covered by the VA since I am also a military veteran. The caller said I can call him back after verifying with the DOL/VA. He gave me the phone number XXXX to call back. The phone number is associated with United Collection Bureau, but also with numerous complaints of harassment and scams after searching on the Internet. And even if this was legitimate, why am I being contacted over 4 months after my ER visit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I already have a open complaint but they have seen their errors to a point and want me to pay {$680.00} to cover their mistakes. My account prior to all of these disputes was in the positive and until someone other than the dispute dept can figure the correct balance which if they go back to the date prior to all temp credits, reversals, etc they will see I had a positive balance not NEGATIVE {$680.00}. THEY CANT even figure it out with over 500 temp credits, to reversals, to duplicates and I gave not used my account since mid 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is 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
Consumer complaint received 2023-07-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Fix the account : 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 non-monetary relief
Consumer complaint received 2019-09-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at XXXX XXXX I deposited into my personal account ( by error ) {$7900.00}. in cash via an ATM at the bank branch location. 
At that time, both the receipt from the ATM and on the bank 's app on my mobile phone, the funds were immediately available. 
About an hour or two later, I discovered that I had put them into my personal account, which is linked to my business account for transfers. I immediately saw my balance in my personal account was over {$10000.00}. so I transferred the {$7900.00}. deposit to my business account. It all went through with no problem - on my phone. 
This morning at around XXXX XXXX, I received 2 notifications - the first email said that my personal account showed a negative balance of over {$5000.00}. The second email a minute later showed that I was overdrawn by {$710.00}. When I checked my mobile app from the bank it showed I had over {$2100.00} in my account. 

I then went onto the computer and saw that the bank did not post my deposit until 24 hours after the cash was deposited - and that I transferred the money that I didn't have. I have been assured by several bank employees that when I deposit cash through an ATM at the bank that that cash is available immediately - and the deposit slip also notes the same thing. The bank would NEVER have allowed me to transfer {$7900.00}. out of an account if the money was not there. 

I just did my taxes for XX/XX/XXXX and I found that this bank did exactly the same thing to me last year and hit me with 4 late fees of {$36.00} each - and I didn't catch it. 

This is happening at other banks also. Their software does not record deposits and intentionally records checks and other withdrawals BEFORE recording deposits which at times generate late fees from the banks ... this is illegal and needs to be stopped.

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 2019-09-26
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had two credit cards with XXXX XXXX XXXX. 

I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX  a monthly fee. 

I then get served a summons after paying Freedom every month for over 2 years by these very mean and rude people at : NELSON AND KENNARD XXXX XXXX XXXX XXXX California XXXX XXXX I called Nelson and Kennard. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information. 

Nelson and Kennard faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted. 

This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job. 

What they ( Nelson & Kennard ) did to me has to be unlawful.

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 2023-05-24
Company: Experian Information Solutions 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:
I had reached XXXX XXXXXXXX XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2021-03-05
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 have disputed charge with Experian, several times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms . XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent 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 explanation