BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
To whom it may concern : This is a formal notice of dispute regarding information that Bank of America sent to XXXX and XXXX, a consumer reporting agency. 

The following false information was sent to XXXX and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with XXXX and XXXX on XX/XX/2017 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately.

Bank of America reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account.

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and XXXX XXXX XXXX XXXX. 



Sincerely, 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 2023-03-17
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: Investigation took more than 30 days

Complaint:
XXXX is reporting a late payment in XX/XX/2021. I have contacted chase and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this.

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 2022-03-30
Company: PlusFour, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I do not feel comfortable giving this company more of my information to use against me. This company has already claimed I lived in a XXXX store, which is illegal and impossible. 
PlusFour illegally changed my address in their filing system and failed to follow the law by removing the inaccurate collections from all three credit bureaus.

If the CFPB and XXXX  are unable to help, I will be forced to engage all parties in litigation ( defamation, slander, fraud, lost wages/time, etc. ). However, I feel the easiest path for all parties is to remove this illegal and unauthorized collection account from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am dealing with USAA bank overdrafting my account multiple times relating to my USAA auto insurance policy and now I am being charged premiums for a car that has been totaled for over XXXX months now I have been paying and XX/XX/23 was my last attempt to resolve this without legal action. I have spoken with the bank and explained that I am XXXX veteran and how frustrating it is for me to have to learn the complexities of bank jargon to defend myself from these ridiculous premiums and fees. I have utilized the app XXXX to recover some of my funds but it's ultimately me dealing with the abusive practices. I don't understand how my bank and this insurance branch are doing this to my account. I have called XXXX times to have to changed and each time I feel like I am fighting a marketing ninja trying to sell me something I didn't even call about. Thank you for your time and any help you can offer to assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
After sending back requested information, they still refuse to correct and/or remove incorrect information therefore when I apply for credit, I 'm denied because the fraud alert placed due to identity thief requires that they call me before issuing any type of credit in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

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 2018-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
I contacted XXXX 'XXXX Private collections department, XXXX XXXX, to settle in full a private loan. After making a one time payment on the account I was told by the representative that it was settled with a XXXX   balance and that he would immediately report it to the proper division and have the account removed from my credit report. After the transaction was finished he did nothing from XX/XX/2018 until I finally realized I was being charged monthly by XXXX. I called XXXX and realized that nothing had been down for over a month and a half. He only reported the transaction as a payment. No one was notified that it was settled and was due to be removed from my credit report. He says he is now resolving the problem, but I don't trust that he will work to get it removed from my credit history. Now I have to wait an additional 30 days just to have a dispute resolution done by XXXX. My credit will reflect my payment for 3 to 5 months according to an XXXX agent. During the same time period I settled my remaining 4 collections accounts which are currently all reflected with one exception. XXXX XXXX XXXX XXXX did the same thing with one exception. XXXX XXXX XXXX XXXX sold my information to to companies who were texting me and claiming to be the IRS and that I was getting charged with a crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: PA
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:
The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from XXXX and Experian. Thank you.

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 2023-05-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was during the Covid 19 pandemic. House was rented and government help was applied for, for rent and utilities and they were approved and paid by the state of Florida. After I moved out they continued to charge monthly rent for over three months or more, I really dont know. Utilities had all been disconnected and yet again, they still continued to charge rent, and whatever else they charged. I had a {$2000.00} deposit and didnt see one penny of that. Now they are reporting it to my credit file and I want it removed immediately.

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 2023-10-09
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I requested that the funds in the prepaid principal fund be transferred to my monthly payment however, PHH responded that this had already been done and it had but that was a different amount and at a separate time. We had been in the HAF program and who paid additional funds that were suppose to be applied to our monthly payment but PHH but it in unapplied funds and also some of it to the prepaid principal. The current amount showing on our account in prepaid principal funds is {$680.00} as seen in the attached document. PHH has said that they do not see this on their end however, why and how is showing on our online account. I'm just asking these funds be moved to our monthly payment for 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 2023-08-04
Company: EQUIFAX, 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any accunts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} FST XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
There are unauthorized inquiries, hard inquiries and collections on my credit report. Collections are on my report that is open or past due. This is a violation of the fair credit reporting act, 15 USC 1681. 

XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  was reported twice on my credit. I am not aware of this agency, they could not verify any documents from me when I contacted them. 

XX/XX/XXXX XXXX XXXX  reported on my credit unawarely. This debt was paid off but they are still on my credit and it is and has brought my scores down. 

XX/XX/XXXXXXXX XXXX XXXXXXXX has reported items on my credit and when I spoke with them, they had no debt in my name. 

XX/XX/XXXX XXXX XXXX XXXX  was reported on my credit, this is inaccurate reporting and needs to also be removed. I have no clue of who and what this company is. 

XX/XX/XXXXXXXX XXXX XXXX  is also on my credit report, I asked for information to who they were and they could not provide me any of my original records of debt from them. 

XX/XX/XXXX XXXX XXXX was reported on my credit report, it is also an unauthorized reporting account. 

XXXX XXXX XXXXXX/XX/XXXX was authorized to run my business credit and not personal credit. I spoke to the banker and she said that my business credit was during setting up my business account ran but it was not. She did not have my permission to run my personal credit. This is against the law XXXX XXXX XX/XX/XXXX I am unaware of this company. This hard inquiry is authorized. I dont recognize this account XXXXXXXX XXXX XXXXXX/XX/XXXX I am unaware of this company. This is authorized as well.I do not recognize this account The companies I want to report is TransUnion, XXXX and XXXX! All the inquiries, collections and hard inquiries are on These XXXX bureaus! And it is against the law

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 2022-12-24
Company: Advanced Resolution Services Inc.
State: SC
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. 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 XXXXXXXX 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: MD
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law XXXX  and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX. Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$960.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ALLY FINANCIAL INC.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I 've Verbally requested that the Auto Loan company Ally Financial send All correspondence and communication in writing to my home address. Since I 've received at least XXXX harassing calls at my place of work which they have obtained thru public records. I 'm afraid if this continues I will be at risk of losing my job.

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 2020-02-17
Company: U.S. BANCORP
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: Was not notified of investigation status or results

Complaint:
I have printed my credit report. and noticed debt from US Bank being reported in my credit I requested. documentation bearing my signature that I have signed agreeing to this debt to pay US bank. 
Gave them written 30 days to respond to me, 30 days passed they failed to report the item in my. credit report " Disputed '' status. 
I kept record of all communication with US bank. 'US bank failed the Law by not reporting the account disputed status within 30 days of contacting us bank.

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 2018-10-19
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:
XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.

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 2023-03-17
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:
Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX  2.XXXX XXXX. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX  XXXX XXXX 8 XXXX  9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXXXXXX 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 2023-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My FICO score being reported by Equifax is incorrect. When I log in to their system, the explanation provided online is : " Key Factor ( s ) Affecting Your FICO Score : 1 Serious delinquency FICO Scores consider the presence of a serious delinquency ( very late payment ) on a persons credit report as a powerful predictor of future payment risk. Your score was impacted because your credit report shows one or more serious delinquencies.

2 Too few accounts currently paid as agreed FICO Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts. '' I have ordered and reviewed my credit reports from all three bureaus and there are no past due accounts and no delinquencies reported. 

I have called Equifax twice, XX/XX/2023 and XX/XX/2023 to ask specifically what the " Serious Delinquency '' is and which accounts are not paid as agreed. They have told me that there is no negative information in my credit file. They just state that " It is the " algorithm ''. When I ask them why these two items are specifically called out, they have no answer. 

My FICO score has been above XXXX in the past and nothing has changed in my personal circumstances. 

Please help. 

Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking and savings account was compromised and I had to get a new checking and savings account & routing number. I have several fraud claims pending with navy federal credit Union and theyre dragging their feet regarding issuing a temporary credit, dragging out the process, team members lying to me and not doing their jobs. Ive been on phone with them for several days for over an hour and I get the run around. I have phone records and emails of navy federal credit Union team members telling me different things thats not the truth. Im getting the Michigan state attorney generals office involved, as well as the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX # XXXX THIS ACCOUNT WAS REMOVE FROM MY RECORDS DUE TO NEGLANCE REGARDING LEASE AGREEMENT. WHERE I WON INSIDE THE COURTS IN MY FAVOR. EVERY BUREAU REMOVE IT EXCEPT TRANSUNION AND THIS UNACCEPTABLE.

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