BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Bank of America XXXX XXXX Credit Card. It was never sent to me in the mail. I was never notified by the post office neither the bank on my status of the credit card. 

I finally received the credit card by XX/XX/2023 and I completed the {$1000.00} transactions in order to receive the cash rewards bonus of {$200.00}. 

Bank of America is not honoring me the reward bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

IMMIDIATE ACTION IS REQUIRED

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 2023-03-11
Company: EQUIFAX, INC.
State: MN
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attached hours of documentation to support this claim. I have sent multiple letters, disputes, and phone calls. TD has a late payment on my record from XXXX of 2020 that, simply put, is false. I had an extension granted in XXXX of 2020 due to COVID, I was supposed to pay starting in XXXX. I paid that payment and then the one after and every one after that. They originally said i was late in XXXX, which is just not true. Then after i PROVED that i was not late in XXXX, they said i was late in XXXX of 2020 instead. Through the documented phone calls and letters, you can see that i have tried to speak with them, prove my case and my point, only for them to act " XXXX '' on the situation. I do not see where it benefits them. I paid off my lease, they got their money, i did everything they agreed to and its almost like they hold some sort of grudge. I know that is not the case but i was NOT late in XXXX of 2020 and they can not prove i was. They never responded to numerous attempts at validation of that month 's late payment and the people on the phone refuse to help. This XXXX of 2020 payment was NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: SC
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:
My Experian credit report is showing a balance on an account, XXXX XXXX XXXX, that I have paid in full, {$830.00}. I have the original documentation from XXXX XXXX XXXX indicating that the account has a balance of {$0.00} dated XX/XX/2019. I have sent this to Experian, I have talked to a representative at Experian and he had the copy in his hand and stated that during their investigation they didn't get all the information they needed from the lender to change the information on my report so it remains as verified, yet the verification date has not changed? I have disputed this XXXX times already, my account representative at XXXX XXXX XXXX, XXXX XXXX XXXX, would like to be contacted personally by Experian to verify the balance on my account is {$0.00}. 
If I owed a balance of {$830.00} why is my account still in good standing so many months later? The people at Experian must be XXXX  not to understand that my account is paid in full with the document in hand and the account in good standing with no collections.

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 2018-10-25
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Waypoint Resource Group, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received calls at the following dates and times ( all times referenced are ET ) - XX/XX/2018, XXXX XXXX. - Private caller, no message left XX/XX/2018, XXXX XXXX. - Private caller, no message leftXX/XX/2018, XXXX XXXX  - " Toll free call '' XXXX, no message leftXX/XX/XXXX, XXXX XXXX - " Toll free call '' XXXX, no message left XX/XX/XXXX, XXXX XXXX. - Private caller, left message - recorded message ( not live person ) stating it was a debt collector and to press 1 or to call back at XXXX ) XXXX XXXX. - Private caller, no message leftXX/XX/XXXX - called XXXX at XXXX XXXX. ; automated system stated company was Waypoint Resource Group and there was an account associated with my phone number ; press 2 to speak with a representative ; no one available to take my call - did not leave a message XX/XX/2018 - called XXXX at XXXX XXXX. ; same automated system stated company was Waypoint Resource Group and again said my phone number was associated with an account ; pressed 2 to speak with a representative ; XXXX XXXX came on the line, asked who he was speaking with and I gave him my name, he asked my phone number, which I also gave him. He told me they were trying to reach someone whom I have never heard of. Mr. XXXX  stated he would note the account and remove our name/number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio continues to report a balance to my credit report ( see attached ) for a credit card debt that was settled in full in XXXX XXXX ; I have disputed this both with the credit reporting agencies and directly with Portfolio ( see attached ) with no response and no action to correct this violation of the Fair Credit Reporting Act ; further, per FTC Opinion Letter ( FTC-Cass Staff Opinion Letter, XXXX XXXX, XXXX, " ... we believe that reporting a charged-off debt to a consumer reporting agency ... constitutes " collection activity '' on the part of the collector ... '' ), the reporting of this balance is a collection activity for an account which has been paid which is a violation of the Fair Debt Collection Practices Act and other federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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:
XXXX XXXXXXXX XXXX XXXX Account # XXXX has violated my rights with improper reporting to my credit report. 

USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer.

IMMIDIATE ACTION IS REQUIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I received updated report from Transunion my credit file has been shared with other person file this is the 3rd time this year that this mistake has happend not only my credit file has been shared with someone else also there is a collection place on my credit file that is not mine my credit score was XXXX on Transunion the coolection dropped my credit score by 33 points im in a middle of getting a busniss loan this mistake by Transunion it's distroying my chance to get the loan i payed all my credit cards to have a low utilization i made sure that my credit looks good to qualify Im verry dissapointef how  Transunion keep making the same mistake im attaching a copy of the report dated XX/XX/2018and also one dated XX/XX/2018 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 2022-06-15
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I monitor my Credit reports, Dark Web and Identity and related accounts and activities daily/weekly, as I am an XXXX in XXXX at XXXX and have encountered and been a victim of multiple breaches and fraud due to the nature of my work. 
I received email alerts this week from multiple sources notifying me of unexpected activity on my reports across multiple agencies of which resulted in a credit score drop of 30points. 
I immediately accessed my reports to investigate and found that an unknown company filed a collections against me, without my knowledge and/or having received any communications written or otherwise. 
I immediately have submitted disputes via XXXX and XXXX! stating the debt was incorrect. The company came back within 2 business days and responded with repeat submission. 

It appears to be an Apartment building debt. I did in fact reside at the apartment referenced, however I moved out in XX/XX/2020 and paid monies owing. 
It is critical to note that my move out was during the height Covid and lockdowns. Paid my rent each month, and did not default or live rent free like many other tenants did at the time. Also a key legal consideration : the management leased my home to a new tenant and they began moving in/shipping furniture etc to my apartment BEFORE I moved out. I was NOT notified by management on-site I f a new tenant nor given notice verbally or written of this. The result : I was forced to find a new home/move out within one week of determining on my own that my home was being occupied by someone else whilst I was living/working from home. 
This was traumatizing and their actions or lack thereof left me vulnerable at an extreme moment in time and they expressed no remorse or options. I consulted an attorney who agreed that the management company was in the wrong ethically, and who advised me that the process to fight the wrongdoings would be both costly and lengthy for me. 

I resided at the luxury apartment for over 6 years and all payments and communication were done in good faith, with transparency and professionalism. 
I request that the CFPB investigate not only this charge but the volume was f charged/complaints received for said apartment, as I know there were others at the time who had horrible experiences and simply left/moved without paying or completing and broke their lease contract. 
I at no time broke a lease contract. 
This debt collection is unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: M&T BANK CORPORATION
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, M & T Mortgage has given me the run around. I have a VA loan and I am also working with a HUD Housing Counseling Agency. I was out of work and since XX/XX/2019 I started a new job. I have resolved my reason for delinquency and have provided the mortgage with all required documents. I have since XX/XX/XXXX have been told that they do not have my paystubs and then the reprehensive that I speak to finds them and then tells me they have everything. This is every day since XX/XX/XXXX. I was told on XX/XX/XXXX that my file would be escalated to the Intake Department. I am still getting told they do not have my paystubs to this day and then told they have them. My housing counselor was also told that there is not a required timeframe for follow up concerning the escalation. So in other words they are stalling and not communicating to me or my HUD housing counselor what is going on with my file and are telling us that there is nothing we can do about it and that we are not able to speak to anyone to get the issue resolved. My housing counselor also requested to speak to the office of the president and was denied. The mortgage company is not helpful and will not provide accurate information to help mitigate the issue. Please help. If this is happening to me I assure you it is happening to thousands of others. I have also reached out to the VA and they are trying to help with the issue but any additional help would be helpful. The lack of communication between mortgage companies and borrowers is completely out of hand and should be addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
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 XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: WI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX is currently reporting two collection account to my credit bureau. After contacting XXXX, I was told that the debt does not belong to me but, rather my XXXX  sister. Being XXXX, we do share the same birthdate. According to the rep from XXXX, the error will not be corrected until my sister pays the debt. I have disputed the debt with all three bureaus but XXXX will not correct my credit bureau report and remove collection accounts. XXXX has also stated that they can not send me supporting information since the account is 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 explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX 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

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