BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS IS NOT A DISPUTE AND SHALL NOT BE CONSTRUED AS A DISPUTE. THIS IS A LEGAL DEMAND UNDER THE FAIR CREDIT REPORTING ACT. 

Ive tried multiple times to resolve this with you. Ive tried disputes, Ive tried fraud reports, Ive even asked for verification of the accounts without compliance from you. Your response is always for me to submit another dispute or to contact the creditor directly. But now that Ive learned what the Federal law states on this issue, and the protections Congress has put in place for me as a Consumer, I am invoking my protections and my rights under the Federal law. 

You BROKE THE LAW. You are furnishing my report without permissible purposes 15USC 1681B. You do not have the legal authority to furnish ANY of the negative items that are on my Consumer report without my permission.

You dont need specific account numbers as I am referring to ALL NEGATIVE ACCOUNTS AND NEGATIVE REMARKS on my report as well as ALL hard and soft Inquiries not attached to open accounts. 

When I asked your representatives if any of these accounts were verified I was told that the accounts are assumed to be correct because the creditor is furnishing them and you reflect what information they provide you. This is illegal because the only way you can furnish information on my report is if I, as the Consumer, verify them. Any other verification under an Investigative Consumer Report involving a 3rd Party or a Creditor can not include specific factual information about my credit record. 15USC 1681A As a result of you breaking the law and illegally furnishing these negative items on my report, it has caused me mental distress as well as financial hardship. 

In accordance with the law I do not need the accounts verified because I am the only one who can verify them and I never even gave written consent for them to be furnished 15USC 1681A. 

I need all negative items, all negative remarks, all charge offs, and all hard and soft inquires not attached to open accounts removed immediately. If this Consumer report is not brought into compliance within XXXX days I will be forwarding this important issue to the Attorney Generals Office. 

I have attached screenshots of the specific laws aforementioned for your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a company check on XX/XX/2021 at a local Bank of Amercia branch. This check is from the same business account from where my checks are deposited directly every 2 weeks. After making my deposit, the check was placed on hold till XX/XX/2021. That is a 10 business day hold on a company check?? I need the funds to pay for the repair of my car, which i've been without for 3 weeks. After 9 phone calls, 3 with a supervisor and 2 visits to a branch, no one can help me or give me an answer as why it takes 10 business days for a check to clear. I'm a single Father of XXXX. If I don't have a car I can't work. I understand a 2 or even 3 day hold. But to hold a {$3500.00} company check for 10 business days is absurd. It seems Bank of America is simply drawing interest on my funds, what other plausible explanation is there for a 10 day hold of funds.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the third time this have happen and I need it to stop. I demand the deletion of all personally identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First Middle & Last Name 2. My Current Mailing Address Any and all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with my current address. Delete any and all other phone numbers listed. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section Thanks in AdvanceThanks in Advance

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 2022-02-01
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went to the Vietnamese restaurant and ordered some fried rice. When I got home, I realized that the food did not have all the listed ingredients on the menu. I attempted to contact the restaurant but could not get through. 

I submitted a bad XXXX review and a representative of the restaurant responded and asked me to send an email to the manager.

The manager and I exchanged some few emails, however, she did not refund my money. The manager stated that they changed the menu, however, their employees were not informed or so.

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 2018-12-18
Company: AMCOL Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen at XXXX XXXX XXXX XXXX  (XXXX, OK)  in the emergency room XX/XX/XXXX. 
When I was seen there I gave them my VA medical card. The hospital never sent me a bill or reached out to me for payment. 
A company ran my credit and told me I had something in collections in XX/XX/XXXX. That was the only way I knew something was negative on my credit. I was never contacted by XXXX XXXX or AMCOL, the collection agency that XXXX XXXX sent my bill to. I have since contacted XXXX XXXX and they apologized  and told me a mistake was made, they had me as a "no insurance" patient and sent it my bills to an address I had in XX/XX/XXXX! 

The amount with AMCOL Systems Inc- $XXXX. 

I'm a Veteran and have been dealing with he VA billing department and XXXX XXXX billing department. I was told this was taken care of. It should not be on my credit report. 

I have spoken with AMCOL in XX/XX/XXXX and made 1 payment ($300). But I was told by the VA not to pay on it any longer. It's been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a transaction on XX/XX/2017 with COINBASE sending over 17k to another coinbase account but other account never received the money. I have made a complain thru CFPB once and when COINBASE received the complain they contacted me right away, which I tried to contacted them over a month but no response.They told me they will solve the problem in a week which has been over a month now. Its been 2 months I still don't have the money. This company is scamming so many people holding funds to make money out of it. I already lost XXXX in value of my currency transaction in 2 months and still they do not respond my emails and when I call they tell me they escalate the problem. They show CFPB and FTC like they are solving customer problems and once complain closed, they do not respond again. I believe what this company does it illegal. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Bank of America ( BoA ) XXXX XXXX credit card. I have configured AutoPay in my online banking with payment amount set to " Amount Due ''. BoA has provided 4 options in their AutoPay config : Amount Due, Minimum Amount Due, Account Balance and Fixed Amount. 

In XX/XX/2019 statement, there was an annual fee charge of {$75.00}. The statement also shows a " Minimum Payment Due '' of {$25.00}. In XX/XX/2019 statement, I see that the AutoPay I have configured only paid the minimum amount of {$25.00}. This caused {$1.00} interest charge in the XX/XX/2019 statement. 

I called BoA 's customer service to ask why my AutoPay did not pay the full amount due of {$75.00} in XXXX. I was told that the " Amount Due '' and " Minimum Amount Due '' in the AutoPay settings are exactly the same - they both just pay the minimum amount of {$25.00}. To pay the full amount due, I needed to set it to " Account Balance ''. It is ridiculous to have XXXXwo different options for people to use, which actually means exactly the same thing. I feel I was cheated and BoA were doing this so they can charge people interests.

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 2021-07-06
Company: Schrier, Tolin and Wagman, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Schrier Tolin & Wagman clients are reporting inaccurate information about me on my credit report i have requested validation and they sent me copies off a loan application with different account # s as to what being reported different loan amount different loan type every piece of validation supplied was incorrect and invalid

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 2021-07-06
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX we went to court and a judgement was placed upon us for approximately {$2300.00}, by an apartment complex. They kept our deposits, and then we never heard from them. I reached out to the credit bureau, and filed a dispute, because we were wanting to move, and this was on our credit reports, holding us back. The amount was much higher than the judgement : about {$6700.00}. I don't believe we owe that much. When I disputed it, they changed the balance to the {$5000.00} range. I had the remarks about the dispute removed from the credit report, because we were trying to purchase a home, but they put it back on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
It first started around XX/XX/XXXX I got a debit card in the mail for a XXXX Bank account. I called and reported it fraud. I also revived a letter from XXXX bank stating they didnt accept my application. I never applied to either of these banks. 
Fast forward a few weeks I received a Email about setting up my Ally bank account on XX/XX/XXXX I called and the operator advised me just to ignore the email. I explained to her how I didnt feel comfortable ignoring it and how my information is in their system without my knowledge. She still advised me to just ignore the emails. I started to received emails about adding XXXX account? 
So I called again XX/XX/XXXX to report the fruad and this time the operator reported it and shut down the account. 
I woke up this morning XX/XX/XXXX to yet another email about an account trying to be open Without my knowledge or consent. This time it was from XXXX bank. 
Ive never applied for any of these account and I have no idea how they have my email and 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
Consumer complaint received 2023-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
The engine blew without warning, car was great otherwise. No problems out of normal up keep. 
The repair shop said the make and model had lot of recalls and problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Vengroff Williams, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HORRIBLE EXPERIENCE! WATCH OUT FOR THE FRAUD HAPPENPING AT THIS LOCATION. THEY GIVE YOU A LINK TO TAKE THE PICTURES AND UPLOAD BEFORE YOU RENT A TRUCK, THEY KNOW IF YOU DID NOT TAKE ANY PICTURES EXPECT A BIG SURPRISE. I AM SURE MANAGEMENT KNOW WHAT THEY ARE DOING. 

I RENTED A TRUCK FOR 2 HOURS - EST CHARGES IS {$45.00} AND I GOT A FINAL BILL FOR XXXX AND I KNOW THERE WAS NO DAMAGE TO THE TRUCK, I KNOW WHAT TO DO IN CASE OF ANY DAMAGE. 

I AM NOT AWARE OF ANY DAMAGE AND SOME HOW THEY PUT THE OLD DENTS AND SCRATCHES AS NEW DAMAGE. 

I WENT TO THIS PLACE AND ASKED FOR PRINTED BILL AND SAW THE TRUCK AGAIN, ALL OF A SUDDEN THEY FIXED ALL THE DAMAGE AND CLEANED THE CAR. TECHNICALLY THERE WAS NO DAMAGE DONE BUT I GOT A BILL FOR {$200.00}. 

I AM SURE THE MANAGERS ARE WELL AWARE OF THIS FRAUD AND THEY WANT TO RUN HIGH BILLS FOR WHATEVER REASON. 

REPORTED THIS TO THE CONSUMER RIGHTS AND TOOK A VIDEO THAT SHOWS NO DAMAGE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2021-02-06
Company: KEYCORP
State: NY
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:
Regarding Keybank credit card account number XXXX I entered into an agreement thru XXXX XXXX XXXX on XX/XX/2020 wherein Keybank agreed to accept monthly payments of XXXX. However, they continue to report as delinquent 30, 60, 90 days. Neither Keybank or XXXX when I dispute will agree to change the status even though I am making the monthly payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
Account : XXXX XXXX - XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account : XXXXXXXX XXXX  Account Number : XXXX XXXX It has been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and by failing to do so, the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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: Information belongs to someone else

Complaint:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, 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:
I reached out to the credit agencies via FTC report and CFPB complaint. The credit agencies placed a fraud alert on my credit profile but failed to remove the fradulent inquiries as they said they would. I followed up with the agencies directly and was advised that it would be taken care of within 30-60 days but it wasn't. I would like these inquiries to be removed. 

Credit Inquiries INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX by XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 's XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX Bank DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX DATE XX/XX/XXXX INQUIRER NAME BAnk XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXXXXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX DATE XX/XX/XXXX INQUIRER NAME XXXX XXXX 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 2021-06-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I filed a complaint with you against XXXX XXXX XXXX IL and Equifax within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX  mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is paid twice a month to XXXX. They have been contacted repeatedly and refuse to report payments accurately. They respond that a depreciating balance is sufficient enough to reflect twice monthly payments. The account status is not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. Provide detailed proof this is my account. I want to see original contracts full statements and all records identifying this account is mine. Any signature must match the one on my drivers license. I am a victim of fraud and this is one of the accounts. Please provide me with all requested documents or block and delete this account from 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 2020-06-22
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was paid for an item I sold on XXXX through PayPal. PayPal placed an arbitrary hold on my money I received from the sale for 48 hours when I tried to instant transfer it to my bank debit card. And charged me a processing/handling fee of {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation