BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

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 2019-09-26
Company: Tri-State Adjustments, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was an employee of this company and resigned on XX/XX/XXXX and was threatened with a law suit for outstanding medical bills all the way back to XXXX they put a {$2000.00} lawsuit on us because this was a day I had requested off the employer knew this I gave a proper 2 week notice before we were scheduled to be out of town XX/XX/XXXX through the XXXX of XXXX employer knew I wanted it off from a previous month working part time and refused to give me these days off. I found out that they had a lawsuit against me and my family from previous medical bills dating all the way back to XXXX scheduled for XX/XX/XXXX court appearance. I knew I would not win this case so we paid a total of XXXX XXXX dollars to bonded collections and we set up a payment plan for outstanding bills on the Clinic and Hospital side of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Same company ) of XXXX Wisconsin. We went to the clinic and asked did we need to pay anything else and we paid for the current bills we had. they told us we were free and clear and said we owed nothing else since everything else was put on a payment plan. needless to say I check my husbands credit report and they submitted a bill from XXXX and XXXX to XXXX XXXX XXXX XXXX. after telling us we did not owe anymore. then told me on the telephone that it was submitted in may yet the credit reporting agency said it was submitted XX/XX/XXXX by this clinic which is the same company as the hospital this is WRONG on every level!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am formally requesting this letter to remove the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$35000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00}.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-07
Company: Financial Business and Consumer Solutions.
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX in order to request a formal validation of debt. Now I am receiving notices from TWO companies, both FBCS as well as XXXX stating that I owe them {$2900.00}, BOTH asking for payment. I do not know who holds this debt, and I do not know why I am receiving correspondence from TWO different entities regarding the SAME debt. 

Both company 's statements reference {$2900.00} owed from an original creditor, XXXX XXXX XXXX XXXX, which is who XXXX goes through. 

ALSO, there is a violation on the actual REPORTING on my credit report. According to the Fair and Accurate Credit reporting, FCRA 15 U.S. Code 1681b, Fair Debt Collection Practices Act, 15 USC 1692g, and The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, as well as Section 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA, the information on my credit report must be fair and ACCURATE. I have attached a screen shot of my credit reports. It shows the 'original lender ' as not correlating the same across all 3 bureaus. Also XXXX shows this account as closed, XXXX shows this account as open, and XXXX shows this account as open. So this is also an inaccuracy where the information is not accurate across ALL 3 bureaus. 

ALSO, there is no proof of contract between me and FBCS, who has continued to send me USPS mail correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: United Collection Bureau, Inc.
State: TX
Product: Credit reporting 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 this creditor has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to my privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting 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 explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, 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 am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Nelnet, Inc.
State: TX
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:
I applied for the SAVE repayment plan, it was approved and nelnet provided documentation on my account that my payment would be XXXX per month. When payments started back up again, my account was never updated with the new payment amount, and currently says I do not owe any money until XXXX of 2025. The first time I called in, they had no idea what I was talking about, and said that I was approved for the {$0.00} payments. I went back through the information on the plan, and based on my income for last year, I should be making a payment. I called back in, the customer service rep reviewed my account, said that they saw that I should have a payment of {$84.00}, and that they were looking into it. They put me on hold for XXXX mins or so, and when they came back on the phone they said that because I had paid my loans off, and then requested my payments to be refunded during the period of time when certain balances were going to be cleared out due to Bidens Student Loan Forgiveness, that my account was not setup correctly. They said they put in a request to have my account updated. My account has not been updated, I have tried to call back in but the wait times are too long for me to wait while working. 

Second issue that I have noticed, is that I have been making the payments I should be making the past couple of months, and all payments are being applied to one loan, instead of to all interest that has accrued on my account, and then towards principle balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
X/X/14 is not the exact date of the event and disrespect but it was done within in the year of 2014. One of the companies is called XXXX XXXX XXXX based out in XXXX county, Wa. The amount that I allegedly owe is {$660.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was the victim of identity fraud on XX/XX/2023. The hackers got my phone number transferred them. I immediately, within minutes or an hour, called BofA to report it. I was told to go into a BofA branch. I did this immediately after the hack. I told BofA to stop any transactions and to cancel my credit card immediately ; both to the customer support line and in the branch. I did notice a {$9200.00} cash advance that I did not initiate and made BofA aware of that. I was told everything was taken care of. I have never asked for a cash advance and it was crystal clear this was fraud.

BofA then transferred the money to the hackers, which I say is a level of incompetence that shocked me given the multiple warnings and the unusual nature of the transaction. I assumed that BofA would not transfer the money to the hackers but I was floored to see the {$9200.00} on my XXXX statement and a direct deposit transaction fee of {$270.00}. I, again, went into a branch in XXXX  XXXX ( while on vacation ), to resolve the issue. The BofA fraud department listed it as a fraud claim and the my claim was resolved for the {$9200.00}. I was told the {$270.00} fee would also be refunded. 

But no ... .I get my XXXX statement and the {$270.00} was still there plus a charge of {$1.00} interest. Again, more calls, to resolve it. As of today, my balance is {$0.00}. 

BofA errors : 1. Despite my telling them multiple times, they forwarded money to the hackers. 2. Made me make multiple multiple calls and take time out from my vacation to fix what was an error on BofA part. 3. Encouraging hackers to attack BofA customers due to lack security.

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 2019-09-26
Company: AMERICAN EXPRESS COMPANY
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:
In XX/XX/2019, I filed an online dispute with the credit bureaus disputing the accuracy of my American Express account. There were a few issues with the account. 
1. It was closed. Sold to another lender ( XXXX XXXX  ) I could no longer contact Amex. 
2. That information was not showing on any of my credit reports. 

American express responded by " supposedly re-opening '' my account. The account was never re-opened, as that can not happen. 

American Express closed & charged-off my account in XX/XX/2019 as you will see in the documents attached. They have been reporting late payments every month to the credit bureaus since XX/XX/2019 until now XX/XX/2019. 

This account is inaccurate and reporting 3 different ways to 3 different credit bureaus. 

These are CLEAR violations of the FCRA and this information and account needs to be deleted asap. Thank you for your attention to this matter, as it has an severe adverse affect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Chex System has failed to help me. Won't help me via phone, mail or fax. They won't provide me a pin, they won't remove a security freeze, they won't allow me online access, they won't help me on the phone, they put me on hold for 20 minutes and keep disconnecting me, they will not help me by fax, they will not help me by mail, they will not let me access my account in any way shape or form and I have had numerous problems including getting a loan because of this problem. I have been given nothing but the runaround and spent hours on the phone with them today and still no assistance. I want the security freeze removed off my account and I want a new PIN emailed to me and my email address updated immediately. They will not do any of these things and I am tired of this game my next steps will be to contact a lawyer.

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 2022-01-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( XXXX ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( XXXX ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a excellent track record with this card. I pay on time and has no issues. When I make a payment, even though the transaction has cleared and they clearly have the money, they refuse to apply it as available credit, causing my reoccurring payments to decline. They told me they will hold my money and not increase the available credit for 8 days. They are basically floating the money they are getting form me. 

They also ask me my salary level every time I call customer service although they have never increased my credit level. This is annoying.

Company response to consumer: Closed with non-monetary relief