BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus XXXX, XXXX, AND TRANSUNION regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX and XXXX XXXX XXXX  ACCT # XXXX to whom also replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.

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 2023-03-15
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was helping my wife settle a debt with Armada and I discovered I also had an account and owed them {$1000.00}. I was unaware of this but asked to negotiate a settlement and they said they do not do that. I want to pay what I owe but they said it was from 2019. It is not right that they will not work with me on this especially since they did not informed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
I have attached a picture of an account from XXXX  that is not a personal account and it shouldn't de reporting to my personal credit bureaus please dealt his 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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/XXXX we deposited a {$2000.00} Bank of America pay check to our Bank of America checking account that was opened in XXXX and has always been in good standing. The check was issued to us and deposited because there was an employer error and the normal ACH wasn't sent. At the time we deposited the check we were told it would be available on Monday XX/XX/XXXX and so we completed the deposit. When we looked later, Bank of America has now decided to hold the on-us check until Friday XX/XX/XXXX. They will not cancel the deposit so we can go back to the employer and request that an ACH be sent instead. We have approximately 2.5 times the amount of the check already on deposit with Bank of America. This check is drawn off the same financial institution that it was deposited to. Our accounts have always been in good standing. The only returned item we have ever had on the account was due to an error by Bank of America in applying our overdraft protection from oursavings account which no one there was ever able to provide an explanation for. We called a couple of times and were given broad and general lists of why checks may be placed on hold, but no one was able to tell us specifically why this check was held and they refused with generic scripts to cancel the extended hold or to cancel the deposit entirely. This is an on-us check and Bank of America can tell right now if this check is good but they're refusing to do anything about it or give us any information. It is my understanding that Reg CC specifically disallows multi day holds being placed on on-us checks and requires that specific reasons be given for extended holds and that the extended holds must be " reasonable ''. None of those are being followed in this situation.

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 2023-03-15
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
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 ACT XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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 had an American Express XXXX XXXX  credit card. The card had a due date on XX/XX/XXXX, and I inadvertently forgot a small balance of {$18.00}, and made the payment on XX/XX/XXXX as soon as I realized it. I was charged a late fee with no surprise. However, I thought it could get waived due to the small balance and I didnt have other late fee within the 12 month calendar year. In addition, I had about {$30.00} cash reward could be used to offset the credit card balance. To my surprise, American Express refused to waive the late fee as a one time courtesy, and told me the reward could not offset the late fee. I had to pay off the total balance first, and contact them again to get a check of the $ XXXX reward amount. This is totally nonsense! They ignored how many times I have made the payments on time or even many days earlier, and how long I have been a good customer with American Express since XXXX! They still charged an {$18.00} late fee for a balance of {$18.00}, and it was only late for one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: GFS II, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As of XX/XX/18- Gateway Finicial Solutions stated I did not have a bill due at this time for the month of Nov. I called multiple times stating that the automatic system is saying that I owe XXXX dollars for this month. On XX/XX/18 the day after my new due date of XX/XX/18 it is now stating that I owe {$470.00} due for XX/XX/18. According to the loan terms of this company you are not given a grace period & they have the ability to stop your car from working as well as repossessioning your car for being 2 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: AK
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. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX, Account name : # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 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 2018-05-20
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I had one day XXXX on my XXXX XXXX I received from my insurance XXXX XXXX of Illinois what I was responsible to pay {$1300.00} and paid it. On XX/XX/XXXX I received an alert from XXXX XXXX that a collection agency, Medical Business Bureau was added to my XXXX XXXX credit file. I called the Medical Business Bureau, they said I had an outstanding bill for XXXX from XXXX XXXX from XX/XX/XXXX in the amount of {$1400.00}. I never received a bill from XXXX XXXX, I also called them and they told me that my insurance information was not even on file with them. 
I also called XXXX XXXX of Illinois, they are submitting the claim to see if my insurance at the time will cover the XXXX   bill of {$1400.00}. 
So now this outstanding bill that I never received from XXXX XXXX is affecting my credit. I am also getting alerts from XXXX  due to the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: Kashia Services
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for a loan with XXXX XXXX XXXX for the amount of {$400.00} and the entire loan balance was {$570.00}. I already made 3 payments of {$130.00} which came to the amount of {$410.00}. when I called to check in when the remaining balance was and if it was my last payment the operators told me that I still owe over {$500.00} so I am paying off more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is explained how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX have violated my consumer rights.

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

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in the amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} 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 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 2022-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
Negative items on my credit report doesn't belong to me.. someone stole my identity in the XXXX  XXXX breach therefore these accounts were open without me knowing these are not mine.

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 2018-12-03
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2018 I sent a dispute letter to Equifax requesting that they validate information for the following items : XXXX XXXX and XXXX XXXX XXXX from a medical office that is reporting an unknown debt to their credit bureau. As a response to my request, Equifax have sent me letters stating that the information they are receiving from the above mentioned companies are accurate without providing proof in which I have asked for. I have also warned them as well as the credit bureau that this is a result in HIPPA violation and can result in me suing them due to releasing of unauthorize medical information. I have made attempts to reached out to both companies that are reporting the information, but have not receive a successful response. I took it upon myself to go to the location of the medical hospital that works with the two companies to ask for my signed release form to verify if I signed any paperwork that would okay them to release my information to a third party company such as a credit bureau. Unfortunately, the documents that are provided with this complaint does not state or show a signature of me agreeing to release anything dealing with my medical information or records to any third party company. This is a complete violation of HIPPA and Equifax has to remove this information from my credit report or I will be proceeding with this issue in a legal matter resulting in suing their company. Please find enclosed a copy of the certified mail receipt of the letter sent on XXXX to Equifax as well as for XXXX XXXX and XXXX XXXX. I also have enclosed a copy of the HIPPA release form that does not state it to be okay to release any information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid, my spouse and I suffered reduced hours and also job loss, so the mortgage company allowed us to go into forbearance XX/XX/XXXX, with an end date of XX/XX/XXXX. We then contacted them to get the additional 3 months forbearance that the Cares Act provided, since this would help us tremendously. The only option they gave us was doubling up our current mortgage amounts to {$3400.00} monthly beginning XX/XX/XXXX, and lasting for 12 months to bring the mortgage current. We contacted them to say, doubling the payment that we already had difficulty paying would lead us down the path to foreclosure. They also said they can not offer a remodification, and this is all they can do to help us. While in discussion with their representative, she told us to consider liquidating our home, after we told her we are raising our XXXX children here and we do not want to lose our home. We advised that we have many other bills and responsibilities that we have to keep up with, along with the mortgage but they are just not willing to offer any other resolution. Please assist us in resolving this matter.

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