BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit 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 2022-08-09
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CAINE & WEINER COMPANY, 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: Investigation took more than 30 days

Complaint:
Hello, I reviewed A copy of my credit report and it shows Caine Weiner reporting a balance of {$420.00} on all 3 credit report. This is a violation of the Fdcpa based on the charge of f/collection being reported with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: ONLINE Information Services, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. Received care, my insurance ( XXXX XXXX ) paid all my medical expenses except the physician portion, which was due to incorrect billing and coding. XXXX XXXX requested that XXXX XXXX billing department correct the claim and resend a corrected claim. XXXX XXXX billing department never did and balanced billed me {$1700.00}. I have called several times stating they need to correct the claim. XXXX XXXX has sent them a cease and desist about balance billing me the entire amount, and they continued to harass me for an entire year. This month I received a statement from a collection agency that stated I have until XX/XX/XXXX to pay the entire balance or they will sue me. My Insurance broker XXXX XXXX has called XXXX XXXX billing department and they stated I have to pay the balance they dont care what the situation " seems '' to be. I have called and pleaded with them to send a corrected claim, and per XXXX they haven't resent the claim, and I'm not responsible for the balance, and I have the EOB stating that the entire amount was adjusted off for " Provider Discount '' meaning a denial for improper billing and coding. XXXX XXXX   billing department has violated medical billing and coding ethics. Please assist me with this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase on XX/XX/XXXX and I was told by the associate that I would receive 10 % cash back in rewards if I opened a store credit card and made a purchase the same day. This associate told me that it would take up to 30 days to receive the rewards. He walked me through the process step by step. I initiated a chat through a representative and they stated that I would receive the rewards. 30 days later, I did not receive my rewards credit. So I called Best buy and they stated to me that because I did financing, I was not eligible. They told me that I would have to pay the balance in full in order to receive the credit. So I asked them what was the purpose of me doing a hard inquiry on my credit report, take out a credit card and make a purchase just to turn around and pay the bill in full in order to receive the rewards credit? That does not make any sense. So I went through their terms and conditions and I do not see where it explicitly states that you are not eligible for the rewards credit if you are doing financing. So I went back to the store and ask another associate and they stated that you do not have to pay the balance in full in order to get the cash back. I am receiving different stories from different areas. The information that was provided to me was misleading. Why would I take out a credit card just to get rewards credit, if I had to pay the balance in full? This is a deceptive practice that Best Buy is doing to consumers. Also, the store associates needs to be properly informed of how the rewards options work. In addition, I would like to see where in your terms and conditions it states that if you choose financing, you are not eligible for the credit. The purpose of a credit card is for financing. Why would someone risk a hard inquiry on their report, if they could just pay the balance in full or use a card that has already been established to pay the bill.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX UNIT XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$44000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$31000.00} XXXX XXXX  XX/XX/2021.

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 2022-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I discovered a debit in my savings account at XXXX XXXX XXXX of XXXX dollars with the following description ( XXXX XXXX XXXX ). I have made multiple calls to the bank and I have requested an investigation for fraud, they do not solve the problem nor do they know where the debit comes from, I visited the bank of America branch and they mistreated me, they told me that the charge was authorized, to solve the problem with the other owners of the account. The collection was not authorized by any of the account owners, the bank simply took our money without authorization and they do not want to open an investigation for fraud.

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 2020-11-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I discovered XXXX  XXXX XXXX reported my mortgage account as closed, in a derogatory status and that no payments have been made since XXXX of 2015, all of which is incorrect. Despite multiple calls to XXXX and multiple promises that this would be corrected, XXXX refuses to correct the information or update my credit reports.

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 2017-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is against Bank Of America Home Loans. Since XX/XX/XXXX/XX/XX/XXXX I have been trying to get help in modifying my loan with BOA due to the recession. I had lost my job and I had sent BOA all information of hardship. BOA kept losing all my paperwork and kept requesting all information over and over. Eleven times I did sent. I finally gave up, no hope. Found out millions of customers had similar problems. I was forced to go into Bankrutcy inXX/XX/XXXX. Lost my house. Fast forward XX/XX/XXXX, I was informed that BOA had been sued by the Dept Of Justice and fined XXXX XXXX. BOA was supposed to help out troubled home owners even those forced into bankrutcy save the house. Mortgage forgiveness program/modification. I called and BOA played the same role in denying help even though it was part of the deal with the Dept of Justice. As of today XX/XX/XXXXI called BOA XXXX and they claimed now they sold my mortgage to a Third party called XXXX in California.XXXX. I called XXXX XXXX and they advised that my property was to be sold on XX/XX/XXXX.
I have made every effort possible to save my home XXXX XXXX XXXX, XXXX, New Jersey XXXX  But, it seems that BOA was still deceiving customers and playing dirty. I am willing to save property if BOA does honor the Mortgage Forgivessness/Modification as required by the Dept Of Justice. I need help fighting this corrupt bank. Please advice.
I really do appreciate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX Thank you 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 2023-02-02
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:
On XX/XX/ please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: TX
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 am not a company. I am an informed consumer filing on my own behalf. 
***See Attached***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IL
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I cancelled a cashiers certified check for {$2000.00} sinceXX/XX/XXXX and i am still waiting for the funds to return to my account. That is more than a 104 days. I keep calling and going to the branch and noone can tell me what is going on. The branch says to call customer service and customer service says to go to the branch. Because of this hold up. My automatic bill payment checks have bounced. The bank has charged me fees and blocked my account. 
My billers has also charged me fees. By the time they give me my money back it will just cover fees i incurred because of their lack of organization and fairness. 



I will never buy a certified check again.

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 2020-09-11
Company: The Outsource Group, Inc
State: IL
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:
Im highly dissatisfied with the experience I am getting with XXXX and Medicredit. On XX/XX/2020 I notified XXXX that it was multiple errors with Medicredit. They responded saying the information was correct and verified with Medicredit. So, I tried to contact Medicredit and I had no response, so I began to ask XXXX  what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with Medicredit. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted Medicredit. XXXX did not want to investigate the matter again until I let them know I was contacting Medicredit, with no successful response. They then responded with it has been verified. Once again Medicredit has not responded and has violated the law, how is it XXXX is verifying information? 

Please also find attached to this letters sent to XXXX  along with Medicredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). ( XXXX XXXX XXXX  XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 account appears on my credit report but it was opened fraudulently. transunion refusues to help me so I called the FTC and was told about this letter. I sent it to Transunion and they have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ALL OF THE ACCOUNT LISTED BELOW ARE ON MY REPORT FRAUDULENT ON MY CREDIT REPORT I WAS A VICTIM OF IDENTITY. THEFT AND THESE ARE THE ACCOUNT AS FOLLOWS XXXX XXXX/XXXX/XXXX BALANCE {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX BALANCE {$200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX BALANCE {$15000.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XXXX FIN XX/XX/XXXX INDEITITY THEFT AND CHAPTER XXXX WAS FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Name is XXXX XXXX am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is closed Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

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 2020-12-06
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contact Receivable performance on approx XX/XX/2020 about a notice that I received that I owed XXXX XXXX. I asked for validation NOT verification letter. Attached you will see letter I received from Receivable Performance. I contented that it did not meet FRCA standards, that require validation not verification, There I want this item removed from all credit reports

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 2023-05-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is a note on my report that I am a victim of identity theft and yet I receive several collection calls and letters from agencies threatening to pursue legal action for accounts appearing on my report that should not be there.

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