BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2018, I purchased on XXXX a wheelchair ramp for {$240.00}. Upon delivery of the item by XXXX, I unpacked and tested the ramp by setting it up on my van and by walking up the ramp into the van. I found that the product lacked quality and fitness for use because at the center hinge point the ramp would give, causing a sense of instability. I called XXXX requesting authorization to return the item for Visa credit, but was told to call a third-party vendor of XXXX located in XXXX, CA. I did so and after explanation received authorization to return the ramp, which I repacked in the original box and sent by XXXX at my expense of about {$30.00}. The ramp was received in XXXX and the merchants did not enter a dispute. On XX/XX/2018, Bank of America posted a credit for {$240.00}. Inexplicably, however, on XX/XX/2018, BofA sent me a letter stating that I still disputed the charge I needed to sign and return the letter within 7 days. No merchant dispute information was sent with the letter. I did not read the letter soon enough and my monthly statement revealed that on XX/XX/2018, BofA reversed the credit. On XX/XX/2018, I faxed a letter to BofA requesting correction of the reversal, but my request was ignored. BofA caused me a forfeiture by setting up a false dispute when the merchants did not respond to my credit request.

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 2018-11-26
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Had an adjustable rate mortgage for about 15 years now this is a fairly new processing company and I have yet to receive the notice that my payment will be changing which normally adjust as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NC
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:
Pervious complaint # XXXX XX/XX/2023 XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Method of Verification Certified mail receipt # XXXX Pursuant to 1629 ( g ), I am requesting the method of verification for the following disputed account ( s ) : XXXX. XXXX XXXX # XXXX # XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 

XXXX. The name of the original creditor XXXX. The creditors address and telephone number XXXX. The persons name they verified the dispute with XXXX. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( XXXX ) from my credit report to prevent further damage. Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards, XXXX XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Clarity Services
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: Was not notified of investigation status or results

Complaint:
The start of the year I found out I was one of the lucky few who happen to have identity theft Clarity Services claimed to be part of a credit bureau and they werent now they are maliciously causing me stress to the point I was hospitalized for XXXX XXXX XXXX. Im more then welcome to share dates and times of that as well but it was around XXXX when they ran my credit without my knowledge that they were in fact not part of a bureau and ever since have been causing me XXXX XXXX with there crooked antics for not allowing me to gain access to a loan to help ease the financial burden of paying to have my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans went into default with the Department of Education. TransWorld began a garnishment on my checks. THis garnishment continued for 3 years until I set up a rehabilitation contract with them. For 6 months I was to pay an extra XXXX a month along with the garnishment of XXXX. Once these 6 months were over, they would stop the garnishments. XX/XX/XXXX should have been the final garnishment from my checks. However, the garnishments have continued. I have attempted to call the Department of Education but their automated system gives me the number to call TransWorld since my loans are in collections. I call TransWorld and get a recording that they are no longer running due to the federal govertnment filing a lawsuit against them. Not only did I complete my rehabilitation promise, I have also consolidated all my student loans with XXXX. My first payment with XXXX is due this month but I am unable to pay it because my check is still being garnished. I have done what I need to do to no avail. Where is this money from my check going? I have all my loans in one place and the payment did not go there. How do I get this stopped and get my money put on my real student loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX - XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 2022-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Previous address on my credit file is incorrect and needs to be deleted asap. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: NJ
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 have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried numerous times to have this account updated correctly to reflect accurate payment information and balance. At this time the credit reporting agency refuses to follow the FCRA laws in making sure that this account is reporting accurately. I have become so frustrated with the blatant breaking of the law and violating of my rights that I voluntarily have given the car back to stop the inaccurate reporting of payments balance to my credit report. The credit reporting agency has shown callous disregard for any laws regarding consumers and their credit reports. I have attached the snippet of my credit report that I had pulled today that clearly shows the violation of the FCRA. I have disputed this account 6 times with them and complained to the FTC and yet the credit bureau refuses to comply to the law. Account : XXXX XXXX Account 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 2017-09-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently while conducting a monitor of my credit report I discovered that ACCOUNT RESOLUTION SERVI # XXXXhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ACCOUNT RESOLUTION SERVICES to access my personal medical information from or to a third party. I demand they produce a valid copy or original copy of my signature for my review. I dont remember every having done any business with this company.

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 2023-01-10
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 Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a notification from XXXX XXXX  XXXX they removed that inquiry from my credit report bet TransUnion refuse to remove along with XXXX founding seem refusing to update my credit score violation consumer reporting act

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 2023-07-10
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017 I was approved, online for a {$500.00} loan. The interest on the loan is 650.4843 % I have already made 8 payments with a total INTEREST charge of {$1100.00} I did make one additional principal payment of {$100.00} on the loan when I saw that the balance of the loan had not been reduced any. I live in the state of Virginia and have learned that this company is violating usury laws of Virginia where the maximum interest rate on such a loan is limited to 12 %

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Was not notified of investigation status or results

Complaint:
I submitted a name change dispute on Equifax on XX/XX/2023 online through my.equifax.com web portal. Dispute XXXX XXXX. Equifax web portal allows users to submit name change dispute online without any issues. Also, the portal allows to upload any supporting documents ( in my case, the name change petition, driver 's license, and certificate of naturalization ). The submission went through without any issues and/or warnings. On the portal it stated that the dispute might take up to 30 days. Today, XX/XX/2023, XXXX  weeks later after the dispute was submitted, I called to Equifax customer service to get an update. The customer service representative told me that they are not able to process my dispute I submitted online ( for some reasons they didn't explain ) and I have to mail or fax my supported documents. 
But during the online dispute submission process there was NO ANY information about I can not do it online and have to fax or mail documents. Also, Equifax did not notify me by any way that they need my documents by fax or mail. 
And now, I was waiting for XXXX weeks to update my name in the Equifax system and they will start a new dispute ( with 30 days period ) once they will receive my documents by mail or fax. That means my initial dispute from XX/XX/2023 will not be resolved within 30 days period and without any notification from Equifax side. 
In addition, I spoke with Equifax supervisor and she confirmed that I CAN submit this dispute online. Also, she confirmed that the Equifax system does not handle and process personal information properly. That means the company which works with sensitive personal information has a not reliable system. ( Just in case I have recorded our conversation ). 
I attached the file with all steps to submit this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX. I live on XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. However, I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, where I had a XXXX XXXX XXXX  XXXX  car, which I left there before moving to XXXX   XXXX. 

On XX/XX/XXXX, I transferred an amount of US dollar {$330.00} via Cash App to a friend, XXXX XXXX, who lives on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX to pay for the car 's annual tax. 

Just after the transaction, XXXX realized that his cell phone dis-functioned to pick up the money. Then I chose to cancel the transaction and return the money back to my account. 

On XX/XX/XXXX, I called Cash App customer services to cancel the transaction and transfer the money back into my account, unfortunately, it never happened as expected.The representative I spoke to via telephone number XXXX XXXX XXXX XXXX, The representative deliberately, gave me wrong directions to purportedly transfer {$330.00} back to my account. 

As soon as I finished talking to customer services, I checked my bank account for any credit, instead, I realized the debits of total {$2600.00} total in four different transactions of {$110.00} ; {$100.00} ; {$1200.00} ; and {$1200.00} the same day ( XX/XX/XXXX ) I tried to call Cash App customer services many times to get the money back, but they asked me to pay {$500.00} to get the {$2600.00} back, or buy a XXXX XXXX card, then send the number on it. The also asked me to go to the closest XXXX XXXX or XXXX XXXX store to ask for the transaction. They finally started hanging the phone up on me.Actually, they have closed my Cash App account ; I have no one else to ask help from, other than Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Also, I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX, XXXX. XXXX and XXXX XXXX XXXX XXXX Please remove the late payments and update these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: TN
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:
The car I HAD WITH XXXX XXXX XXXX has been REPOSSESS and the account is showing as an OPEN car loan when it should be closed on my credit. Equifax would know that if they had investigated thoroughly and asked if I still had the car. I have no problem with the account being on my credit REPORT THE STATUS OF THE ACCOUNT CORRECTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XXXX I applied for a secure credit and deposit XXXX furthermore, I paid XXXX for the card to be expedited. The approval process was taking to long and I request the application to be canceled. Upon canceling my order I spoke to a bank representative and requested for my refund to be send via check. I have made several calls to this bank for refund and till today I have not received my money. On XX/XX/2020 I send a fax stating that I want refund by check as requested by the last rep I spoke to. This request was faxed to XXXX number given by rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is an account that is unknown and I do not owe. I never received anything regarding this it just appeared on my credit file. Please help Enhanced Recovery XXXX

Company response to consumer: Closed with explanation