BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-02-10
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checkr background check suggests that I have lived in XXXX tho I have never lived in any state other than XXXX XXXX, or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/19 My wife and I had about XXXX dollars in my bank of america joint account.. At about XXXX o'clock she notified me about the account being -XXXX . When I tried to log on to my account, it asked me for my social and card number which I tried to input and it did not let me ... when I finally was able to get someone on the phone the told me that Bank of America made a business decision to close my account ... We've never had that type of money and they will not give us an answer for why pr how our account is like that ... While I was on the phone my wife was in our branch and was being told the same thing.

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 2020-06-03
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020: I attempted a payment for rent in the amount of {$5000.00}. This payment is facilitated by a third party, XXXX XXXX. 
XX/XX/2020 : The payment fails to complete. 
XX/XX/2020 : I receive an email from TrueAccord notifying me of a debt. 
XX/XX/2020 : I pay the debt in full directly to XXXX XXXX. 
XX/XX/2020 : I reply to the XXXX email, disputing the debt as settled directly with XXXX XXXX. 
XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again. 
XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again, then file this complaint. 

In my view, this violates 15 U.S.C. 1692g ( b ), which requires verification of disputed debts. 

Company information : XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: World Omni Financial Corp.
State: GA
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:
I made a negotiation with the creditor for the payment of this debt. Once paid, I send comments to the credit report that were not agreed upon in the negotiation. the debt was paid so that the credit reports gave me back the points that they took from me at the time of the negative report. I appreciate your help in filing a complaint against the XXXX toyota finance company this negative credit report that was paid in full and agreed with the creditor so that they would not report it with the comments with which they did. I paid on XX/XX/XXXX and a letter arrived a few days later with the comments they would make. certainly the letter was issued on XXXX XXXX but it came to my mail on XX/XX/XXXX ( I would have already made the payment on XXXX XXXX-debit to a bank account or payment with a debit card ) in breach of the initial agreements. I present financial income problems, my wife was unemployed and I also for a few months, motivated by the global pandemic, my daughter became ill and since XXXX I have been the only supporter of my house and my family. He had no way to pay the monthly installments of the vehicle and for that reason he decided to deliver it. They did not give me another option to pay it and now they refuse to formalize a dispute for these reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : HEALTHCARE COLL I LLC ( Original Creditor : XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

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 2020-05-09
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX  2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX  This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.

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 2018-06-07
Company: SYNCHRONY FINANCIAL
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
card was not used in years im XXXX please remove and update my nurse is helping me im in a XXXX home

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 2021-08-17
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
communicated with the company XX/XX/19 - XX/XX/19 - Sent in affidavit of proof that it was not be that opened the account with a police report. Since then the company has not sent an responding information. XXXX - Fraud Investigation Department XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number ending in - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX ( This account is reporting paid off but this is not my account, I have never attend school here. ) I have never went and opened any account with this bank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX The following I have never applied for. I Did not give any person or person of that company permission to run my credit. These inquiries are not mine. 

XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I also have filed a police report with XXXX Police department XXXX Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions 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:
My Experian credit report has a name listed XXXX XXXX XXXX XXXX XXXX that I have never used. My middle name is XXXX and I have never used any other middle initial than " XXXX. '' When I went to the Experian website I was told to call XXXX. Name correction requires special attention. However, the telephone number does not allow the Consumer to choose " dispute resolution '' and does not allow the Consumer to talk to a Customer Service Agent. Moreover, searching provided a mail address ( XXXX XXXX XXXXXXXX, XXXX TX XXXX ) but it also said I must mail a special form -- and that form is not available anywhere!! 

So, I have no way to call, or write, in order to get my name corrected!!

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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Account paid in FULL via phone with XXXX XXXX : Tuesday XX/XX/XXXX. 
XXXX XXXX can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 XXXX XXXX  representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with XXXX XXXX. Recently spoke to XXXX XXXX regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with XXXX XXXX  to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will work with me. 
Please note : Married Name : XXXX XXXX ( EST. XX/XX/XXXX ) Maiden Name : 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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account is closed and was purchased by someone I no longer owe this.

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 2018-06-12
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Product Debt collection Sub-product : Credit card/ consumer reporting/collection Issue : Attempts to collect debt not owed/ incorrect consumer reporting/ no knowledge of consumers Sub-issue : Victim of Identity theft I recently requested my annual credit report from the three credit bureaus and my credit reports have inaccurate collections, consumers reporting, and credit cards reporting all the information that will cause damages to my file. I am in the process of looking into buying our first home and my credit score is affected by the consumer 's reporting. Lenders won't approve my application. As we reviewed the report there were consumers reporting with incorrect information, debt collections, fraud and credit cards accounts I have no awareness of this accounts, I am a victim of ID theft and would like further investigation under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of consumer reporting agencies.

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 2021-08-17
Company: SIMM Associates, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a prepaid paypal account. I can not get any prepaid cards and the debt is not from XXXX the debt is from SIMM associates Inc affiliate and or subsidiary of XXXX. These devt collectors are individuals who obtained licenses during the pandemic for this nation crime fund from the american war world ll from forgery POA. This debt collector is my identity thieves stalker harrasser etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
3 accounts with XXXX  ( 1 with balance {$82000.00}, 1 with balance {$34000.00}, 1 with balance {$86000.00} ) were included in bankruptcy & discharged. I opened disputes for the 3 accounts in  XX/XX/2020 because they were showing charge off status and balances on my credit report when they shouldn't be. On XXXX the {$86000.00} account & the {$34000.00} account disputes were finally resolved in my favor after months of going back and forth with correspondence and the accounts were updated to included in bankruptcy status with no balances. On XXXX the {$82000.00} account dispute was resolved in my favor and the account was updated to included in bankruptcy status with no balance. By XXXX the {$86000.00} account that had already been fixed was showing a balance and collection status again, so I opened another dispute for that account. The second {$86000.00} account dispute was resolved in my favor on XXXX and the account was again updated to included in bankruptcy with no balance. On XXXX when I checked my credit report, all 3 of these accounts were accurately reporting that they were included in bankruptcy, but today they are again all 3 showing balances and collection status. For the last 3 months, Experian has updated these 3 accounts to correct them multiple times only to have the creditor update them right back. This is a predatory lender who has a class action lawsuit against them for illegal collection practices and violating bankruptcy law. I would like to  know how you can prevent this from recurring every month because it seems to me that allowing this to continue month after month is irresponsible and you have a responsibility to have processes in place to ensure accurate reporting. I have notified you multiple times, you have investigated multiple times and updated my file multiple times, and continued to allow this to recur multiple times. I have attached all of the previous dispute resolutions.

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 2019-07-12
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This morning, I attempted to call the debt collector to resolve my issue. I was trying to make a XXXX month payment arrangement. The lady who answered was very rude immediately with a negative tone. She didn't read the mini XXXX before asking me personal questions. After this, I asked to discuss a payment arrangement. She told me no, and the balance in full is the only option available to me or they will garnish my bank account. I told her I am willing to work with her, and I am a XXXX who receives XXXX benefits as I am a XXXX veteran. She refused to work with me. I asked to speak to a XXXX, she said I can't as she is not in, and will send me to her voicemail. I told her I want another XXXX then, she ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Aside from the fact that Capital One consistently closing Complaints raises a huge red flag for the company, the company 's verbiage in the Terms and Conditions misrepresent situations meant for the cardholder. At no point is there any clause that says the amount of days that Capital One WILL hold a payment. Various representatives on the phone with the company have also claimed that " We do not know if your payment will be held. '' That's extremely alarming. What makes it even more alarming is how Capital One has yet to diffuse the situation with the privacy breach that occurred back in XX/XX/2019. I can't help but think that perhaps if Capital One spent quality time on improving their systems by getting the right people to help develop and enhance them, perhaps hackers wouldn't be able to break into their systems. I'm concerned that Capital One doesn't care about my information being breached and continuously closes complaints evading any responsibility. I've joined a class action lawsuit from a lawfirm who is currently pursuing criminal charges for the company as a result of this misconduct. I'm also calling for the termination of the employee ( s ) who keeps closing these complaints without doing any proper investigation due to laziness and neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
XXXX XXXX well the first amount there some merchant took it, it's my problem still pending stated XX/XX/2020 next amount today XX/XX/2020  from a direct deposit they holdingmy money told me i have to wait a 24 hours to try to get my money as they block a card my acount been -XXXXdollars since the XX/XX/2020 i suppose to got my deposit today they said you got it yesterday. And you fell you question asking 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 2020-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XX/XX/2019 I applied for a XXXX XXXX Credit card. At that time my credit was in need of serious repair and I believed a low limit store card would allow me to build better credit. On XX/XX/2019 I was approved for a {$500.00} limited. 

I have made several small purchases over time. Each time I have paid the card in full, including my last payment in XXXX XXXX for {$57.00}. The balance on the card was {$0.00}. 

XXXX XXXX I received a letter from XXXX XXXX that XXXX XXXX was using information from Trans Union to cancel my account. Furious I reached out to XXXX XXXX because I believed they improperly pulled my credit history. The representative said they did not pull it, it was provided to them by Trans Union. 

XXXX XXXX was authorized to pull my account in XXXX to make a credit worth decision. The credit bureau was authorized to release it at that time. The credit bureau is not authoized to repeated send my creit report to my credit cards monthly and doing so in this case has actually negatively affected my credit that I was working to repair. As other inquiries will see that XXXX XXXX took this action. 

My complaint is on both parties and I will consider filing a suit against both, but first I would like to file a complaint here.

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