BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2019-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I tried to purchase concert tickets through someone I met on social media ( XXXX user @ XXXX, email addresses XXXX, XXXX, XXXX, XXXX ) on XX/XX/2019. She made everything seem very valid, and I sent her 2 transactions of {$200.00} each ( {$400.00} in total ) through XXXX and Bank of America after XXXX failed to send transactions for no valid reason. She of course turned out to be a scam. This person disappeared and blocked my social media account. I called Bank of America on XX/XX/XXXX to see if they could come up with a solution, and the most they could do was open up an investigation since XXXX has no fraud protection. The only way I would get my money back is if the perpetrator agrees to release the funds from their account to give my money back, but the odds of that happening are clearly slim. I've requested the funds on XXXX  again to give them a chance before getting more serious with this issue, and of course, this person declined to return my money. I would really appreciate any help I can get.

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 2019-06-03
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For the last past 6 months I have been filing back and forth disputes with all 3 credit brureau for a false collections from an apartment. I've also tried to contact the apartment complex for history of me owing, they never answered or sent anything to me directly. Didn't know I was falsely accused of owing anything until it was put on my credit background. For the following amounts of {$2100.00} and {$330.00} both apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm self employed and my income was effected in XX/XX/2021. I tried to advise the Servicing Dept at Guild Mortgage that I can't utilize the forbearance plan offered because my refinance wouldn't close. I told them I could get contractually current in XXXX to avoid the late hit on credit. I just needed the one time courtesy for XXXX payment ; no forbearance plan needed. They advised I had to go through a plan even though I set up payments to be current. They advised the payment system is down. I relooked at my score after the late payment because I was going to just let it go but it actually dropped my score so low I couldn't refinance. I am requesting the late hit be removed as I was effected by COVID and brought the account contractually current within 30 days of missing XXXX payment. I found it predatory to make my go into a forbearance plan to get the late removed and therefore losing my opportunity refinance. I've never been late in the past and had exceptional credit over XXXX prior to last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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: Account information incorrect

Complaint:
XXXX XXXX XXXX open XX/XX/XXXX Amount XXXX account paid in full XX/XX/XXXX For the amount of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was desperate to have a fraudulent collection removed from the credit reports. XXXX XXXX was recommended to me a XXXX representative. I signed up at the lowest level that just included sending the necessary letters and documents to remove the collection. The beginning was rocky when I was billed {$120.00} rather than the {$59.00} they advertised. They reduced my membership, but never adjusted for the first month 's charges. Prior to hiring them I had a medical bill removed on my own. Of course XXXX XXXX considers that a success of their program. Ultimately, after 6 months they produced no results other than income to them. When I questioned that lack of production they just cancelled me and tried to collect for days after service cancelled. Another example of a company claiming to helping people when they only help themselves to our money. In the end they turned ugly and tried to intimidate me to continue services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX Please remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

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 2020-11-22
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the credit bureaus about the fraudulent items and inquiries on my credit report and they still haven't taken them off yet

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 2017-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Upon recently checking my Equifax credit report, I noticed an XXXX point credit score drop and investigated the cause. The cause was a duplication error on a derogatory mark/collections account on the report. The collections account from XXXX XXXX for XXXX dollars has been duplicated and caused a significant drop in my score. I attempted to correct this on the Equifax website but was met with a requirement for a case number that I do not have and have no way of generating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was offered and accepted overdraft coverages and feel they did not give me what my contract told me I would get. My account was closed before I could pay the amount and sent to collection for being overdraft. I tried to work with the credit union and they refused. It is on my credit report reporting false information because I feel I paid for a service I did not get. I feel this is false and deceptive information the bank gave me about overdraft coverage for {$700.00}. I was even threaten by the collection agency about a medical debt from 2001 from XXXX XXXX and was told that it was also still a valid debt.

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 2017-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XXXX this year Bank of America sent a letter notifying me that my credit card was included in some kind of security breach or fraud and that they would be changing to a new credit card account. I received this card in the mail a few weeks later. I use XXXX XXXX Bill Pay to pay the credit card by the due dates. Since they changed the account I had not changed it on the Bill Pay and it the payments were rejected for two months. I received no phone calls or letters notifying me of the missed payment until it was right before the second payment would be late. They have since reported the missed payment to XXXX credit reporting agency as more than 60 days late. I have tried multiple times in the past year to use Bank of America 's automatic payment services, but each time it has rejected my checking account from XXXX XXXX. It seems to take 4 weeks for each attempt that I submit. I did not receive any additional information as to why it failed to enroll. I should not be punished for the unreasonable responses to my attempts to pay. They could have applied the payment to the new account, noting the previous account and forwarding the payment to the correct account and notifying me. It is not my fault that there was a breach of security. I did not request my account number to change. They could have called the phone numbers on file. They could send texts to my phone. They could have sent letters when they noticed attempts to pay to the wrong account. There are many ways that this could have gone better. I am about to relocate and purchase a new home and this unfairly damages my credit. I am rather upset about the absolute indifference shown over credit reporting when related to failure of merchants and banks to secure credit cards. Stop making it so difficult to pay my debts! I know you make a huge portion of profits out of late payments and other fees! Of course you would n't be fair and reasonable when it would be detrimental to your primary source of income and profits! This is little more than a gross exploitation of the trust we place in you over our livelihood. Somebody else XXXX up and I have to pay for it?

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 2020-11-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For several months starting XX/XX/2020 I have not been able to speak with a person at Experian credit reporting agency. They have my S.S. number blocked as to where I am not able to speak to a person. I have received copies of my credit report however I can not speak to a person in regards to it at Experian. This should be some type of a violation because EXPERIAN has control over my credit score and is INCORRECTLY reporting on it! Ex. my credit score goes up and down in ONE TRANSACTION on the SAME day at the SAME time! HOW and WHY cant someone at Experian answer that! 
I have put in numerous complaints with CFPB and it keeps coming back the same. I am only interested in speaking with a person as to why my scoring is not reflected the way it should be and is being manipulated in a negative manner! I do NOT want them to send me another copy of my credit report as an answer to these complaints!

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 2020-12-03
Company: Williams, Rush & Associates, LLC
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:
On XX/XX/2020, I spoke with XXXX XXXX of Williams , Rush & Associates LLC in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$640.00}, {$10000.00}, {$6500.00}, {$15000.00}, {$12000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Credit inquiries on your report that you don't recognize

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Last time I complained about overdraft fees the companies responce stated they were lowering the charge to XXXX dollars, and no more than 1 fee per day. They did not honor their word.

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 2018-02-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
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 lost my job so i went on a extended payment plan and i made the first payment. I had to close my bank account because i could not afford the bank fees. I told them at time of extended payment plan that i had lost my job. A week later i informed them i had to close my bank account but i wanted to pay my payment before due date. they have refused payment, my second payment is due XXXX, 2018. i do not want to be in default as i am trying to pay them, California Check Cashing XXXX XXXX XXXX XXXX, Ca

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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.

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 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2019-08-22
Company: Tribal Lending Enterprise, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
IMPORTANT : THIS IS NOT A NEW COMPLAINT. INSTEAD THIS IS CONSUMER WANTING TO AMEND THE RECORD THAT THE PRIOR CFPB COMPLAINT # XXXX ( WHICH IS CLOSED AND UNABLE TO BE AMENDED ) HAS BEEN 100 % RESOLVED BY THE LENDER, GOLDEN VALLEY LENDING. 

Approximately 1 week ago, I was contacted by XXXX XXXX who is VP of Compliance for Golden Valley Lending. 

From our first conversation approximately 1 week ago, Mr. XXXX was very professional and allowed me to share in detail my complaint. He kept me up to date as he conducted research regarding my loan. 

Yesterday, just as Mr. XXXX had said would occur my checking account received the exact amount of money that had been my original concern. As the Customer, I feel satisfied and am happy to have this matter be fully closed. 

I very much wanted the CFPB record to reflect that Golden Valley Lending, thanks to the persistent follow up and efforts by Mr. XXXX, did step up and have my appreciation for doing the right thing to resolve this matter completely. 

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