BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I suspect that my card may have been stolen during the delivery process, as I have not received the physical card yet. Unfortunately, someone seems to have intercepted the card and gained access to my card information, which they have used to make unauthorized transactions. 
Claim Number : XXXX Claim Number : XXXX Please help me to get my funds back thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Almost all of experian information about me is wrong and when i told them to remove it they wanted to adjust the inaccurate information to be correct i told them, your kidding right that needs so instead they created another file insteAd of removing the inacurate info. Also they have the most basic things wrongs first of all my name on my id and birth certificate is not even on my file yet they have like XXXX alias listed not XXXX  is my legal proper name i told them if the name thats not on my social birth certificate and drivers lisence is not the name on your file remove it the told me i must tell them XXXX by XXXX each name u want us to remove i told no look at my social birth certificate and driver liscense i provided it and if it dosent match remove it later i got a letter that my submissions were inlegible or they couldnt see it because the images were bad which is balonge. Also my social security number listed is not mine its the wrong number so if the number they have listed is wrong why are there some many things in my consumer credit report that is connected to my correct ss number??? Once again how is there anything at all on my credit report if experian dosent even have my correct $ $ number the second digit of the last XXXX  of my social is wrong i told them and they created a XXXX profile now thats fraud i have XXXX credit report files at experian now and the us giverment wanted to use XXXX to verify people identidication i think they need to keep that in house .so they did not correct any information they have my incorrect name and social security number yet theres things on my file where the socials dont match to what they experian have on file also i paid for thedt protection one million dollar gurantee i suffered a financial loss because of idenity theft i tried to contact them to make a claim they just ignore me they ignored all my request to remove inaccurate things on my report and info. Yet they post things that have mismatched ss # on my report. No wonder i cant get approved for even a XXXX  dollar credit card experian has my social security wrong thats why everyone says they cant verify my information ugggh

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT addresses that should be deleted are XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-28
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
student loan debt being reported as owed balance of XXXX. need to be updated as paid in full per 12 usc 1813. Ive disputed this debt through the 3 major credit burreaus and they have not updated nor resolved the issue on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Waypoint Resource Group, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
At the beginning of XX/XX/2018 I started to receive notifications that Waypoint Resource, Group XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent Waypoint a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from Waypoint however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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: Account status incorrect

Complaint:
This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not XXXX XXXX compliant which is causing me serious XXXX in my life. I would like for this company to bring my account to current status for each month they have reported me 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 explanation
Consumer complaint received 2016-08-03
Company: Reverse Mortgage Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Credit decision / Underwriting

Complaint:
We have a reverse mortgage with RMS Solutions out of XXXX tx. In XXXX we had hail damage to our home. Our home owners insurance sent us a check for the repairs in our name and the mortgage co. We sent the check with our signature to the company for their signature. They held the check for almost XXXX weeks before contacting us saying we had to get a signature guarantee from our bank or a notary. They then held the check for another 8or 9 days before returning it. We took it to the bank and had our signatures notarize and sent it back certified the same day. They received it on the XXXX XXXX 2016. We received a call on XX/XX/2016 saying now we need to have the contractor write a contract sign it along with our signatures stamped paid in full along with his XXXX form, then they would release their portion of the money. I fell the are giving us the run around, and we owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone is fraudulently applying for loans under my name. I am trying to determine why TransUnion 's credit report lists " 3rd Party '' inquiries to my credit which inquire about my direct deposit activity and my mortgage - in detail, sq ft, taxes, etc. I called Transunion twice to ask about these inquiries and both times they told me they could not see the inquiries " on their screen ''. However, they provided my detailed information to one of the fraudulently applied loan companies. But they could not tell me anything about it. Its righty in my TransUnion credit report but their own operators could not see them.

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 2023-09-29
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Military Star Card contacted my military command via paper mail directly to my Commanding Officer, which caused disciplinary problems for me. According to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ; at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. XXXX XXXX, a Customer Response Technician responded by saying " Hello XXXX XXXX, Thank you for contacting the Exchange Credit Program. To address your concerns, on XX/XX/2023 you were mailed a letter referencing the past due status of your MILITARY STAR account. Please review the attached document. If your account is past due 3 or more payments, this reflects a delinquent status. Therefore, a system generated letter will automatically be sent to your Unit Commander ''. This is a clear violation of 15 U.S. Code 1692c ( a ) ( c )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Ashton & Weinberg, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the fall of XX/XX/XXXX I decided I wanted to get some unwanted tattoes removed. I went to XXXX unaware that you have to take out a loan through a third party in order to get the services done. I decided to do it anyway because I knew I could pay back the monthy charge without any issue. I tried to set up my bank account through their credit union but for some reason nothing was working. Instead of buting my brain I just decided to withdraw from the seccions and step away from any credit union. After  receiving confirmation from XXXX that the credit had been refunded I started looking for my other options. It is now almost spring of XX/XX/XXXX and they are harrassing me with diffrent collections agency on the same matter. The company sending the collection agencies is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-03-09
Company: EQUIFAX, INC.
State: OH
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 just received a notification from XXXX XXXX XXXX XXXX and the balance that is owed is less than the amount shown on my credit report. I filed disputes in the past regarding this account and everything came back accurate. Also this lender opened this charged off account multiple times causing my credit score to drop. When they reopened the account with XXXX, it added more than {$17000.00} to my open accounts balance damaging my score. I believe this company may have broken the 15 U.S. Code 1692 e 2 ( a ) and 9. Which states 2 ( a ) The false representation of ( A ) the character, amount, or legal status of any debt. And 9 which states The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. The lender must have given, you, the credit bureaus written verification of this debt showing the the amount and accurate dates which have been inaccurate for the past 4 to 5 years. Also the company created a false representation of the amounts due and the date the account was closed. Theres multiple errors with this account and they havent been resolved over the years. In addition to this, the last balance due on the transaction report the lender provided me is {$15000.00} on XX/XX/XXXX yet I received an email XXXX XXXX, XXXX stating I owed {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased an American Express Serve " prepaid '' card from XXXX on XX/XX/2019. Paid {$100.00} in cash plus {$2.00} for the card to charge it. Tried to use it the next day and it was turned down by XXXX, where I had purchased it. The company had additional fees of {$8.00} per month, starting from registration, plus I had to wait several weeks for the actual card to arrive if I wanted to use it ( this is a card I had purchased to travel ). I tried to get a refund from XXXX and American Express. XXXX sent a nice letter saying they would refer my complaint to another department. American Express never replied. This card is completely useless for any purchases, online or otherwise. I could provide all sorts of personal information to the company and pay {$8.00} per month to get a " real '' card maybe sent to me, and maybe not, with no guarantee the card would arrive within one month ; but they do not seem trustworthy enough to provide any more information than they already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: FL
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 have attached 2 FTC reports with inquiries I did not authorize, Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I seen this company on my credit report XXXX XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have so many medical debt and I should n't have any my insurance should have covered all medical bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 around XXXX XXXX, I went to the ATM connected to the Bank of America at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I drove up to the drive-thru ATM furthest from the building. I submitted that I wanted to withdraw cash, and the machine let me know that it only had XXXX to dispense. I used my debit card to withdraw {$1100.00} from my checking account. We then used my husband 's card to withdraw {$1000.00} from the same ( joint ) checking account. When we counted the money, we found that that the ATM had actually dispensed XXXX dollar bills instead of XXXX. We only had {$420.00} instead of {$2100.00} in hand. We promptly went inside the bank and they said there was nothing that could be done - call customer service. Customer service advised that they had to take up to 10 business days to research the claim. 

This happened on the first of the month. That was my rent money. I expressed repeatedly how this is causing a hardship and was told my case would be expedited. I have not had any follow up on the case. I call and they simply say it is in research. 

Today, I received a 3 day notice on my door threatening eviction. My bank account is also overdrawn. The hardship is profound and completely beyond my fault. The bank has robbed me and refuses to take prompt action to make me whole 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