BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX and XXXX XXXX on XX/XX/2023. It took me four phone calls to reach a representative. Once I reached a representative I was hold for 10 minutes. I provided all my information to identify myself for the phone call and was provided unprofessional treatment on the phone call. I was told in previous phone calls with an attorney XXXX and the representative on the phone that the case on this debt would be dismissed 3-4 business days after the XXXX XXXX payment of {$1000.00} as agreed in payment plan. The letter of dismissal was sent via US mail on Tuesday, XX/XX/2023 and XXXX and XXXX is claiming they sent a letter of dismissal to XXXX XXXXXXXX on Wednesday, XX/XX/2023. When I asked for an update today I was provided rude and dismissive treatment. I was then placed on hold and told that we sent the letter of dismissal to XXXX XXXX in the mail and through a fax but that " we are still awaiting the judges signature. '' XXXX and XXXX XXXX is retaliating against me and not having this case dismissed in an expedient manner because of my previous complaints with the CFPB against Bank of America and XXXX and XXXX XXXX. When I stated that we are on a recorded line and that I have filed complaints with the CFPB and will file a further complaint with the CFPB, the representative said " do you have anything else to discuss? '' and promptly hung up on me.

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 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

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 2019-04-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
OPINION by experience- I am totally disturbed that I a consumer are being incorrectly by them and third party users hence impacting our ability to get favorable finance and if we do at a usurious rate. I submitted another complaint the other day only to receive a warning from this reporting agency my credit use has gone up! FALSE! Their current report shows balances From XXXX!!!!! They are incorrect and get this lower my use of credit and do NOT increase it as they warned! When I dispute they basically kiss me off with they will wait until the bank posts the correct amount. IF this is not fraud then what is? My score has dropped almost 30 pints on illegal and incorrect processing and it is NOT maintained in a timely fashion. When the XXXX is capability, honor, integrity and ethics going to come to this so called agency as well as yours- protection for who- them? Is it not time you stopped professing something you are NOT?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My account was behind and I tried to make a payment plan with a debt consolidation company IN XXXX OR XXXX. Capital one REFUSED THIS OFFER and XX/XX/XXXX FIVE YEARS AGO my account was CHARGED OFF. This is still on my credit report and is causing me a lot of issues. With Capital One REFUSING TO HELP ME PAY MY DEBT this needs to be removed immediately since it is over 5 YEARS OLD. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Payward Ventures Inc. dba Kraken
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Following the lead of a man I met on XXXX dating site I invested money in XXXX. Wiring more and more money from XXXX XXXX to XXXX XXXX I was showing profits on XXXX XXXXt . When I tried to withdraw my funds for the real estate deal they were intended, XXXX froze my account. They having extorted me for hundreds of thousands of dollars in " bank security deposit '' fees and refuse to release the {$400000.00} in my account. I am convinced I have sent my money to a fraudulent " XXXX ''. I have defaulted on the real estate deal and am in jeopardy of losing another {$50000.00} because of that. I am broke and physically ill. Please help me.

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 2019-04-19
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts that are included in the letter have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 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 an 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After checking my credit report with XXXX, I saw that I have inquiries that I never authorized or gave my consent to. I also have reports from XXXX and XXXX that needed to be deleted off. XXXX violated my consumer rights and the FDCPA as well as the FCRA by furnishing negative information on my report, furnished negative information without my knowledge or consent, kept information on my report for longer than seven years, reported payments that were paid on time as being late. I've sent letters that were received by XXXX but the problems were not 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 2022-12-05
Company: EQUIFAX, 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:
The Accounts and inquiries listed below and in the the Identity Theft Report attached are all fraudulent accounts that were opened with my consent. 

Equifax XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX and Transunion Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to coorect the account which was erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this account : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.

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 2017-12-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in the mail from my mortgage servicer, XXXX XXXX who took over my mortgage shortly after I purchased my house. The letter was dated XXXX XXXX, 2017, but I received it on Friday the XXXX. The letter stated that they did not have information regarding my homeowner's insurance policy. I logged into the website, and it shows that they have the information of XXXX XXXX XXXX, which is the homeowner's branch for XXXX. They also had the policy coverage information as well. PennyMac claimed to not have any insurance information over the phone. I called XXXX to have them fax the policy information. I was told that the policy had been cancelled the month prior in XX/XX/XXXX due to nonpayment. I had to pay out of pocket to reinstate my insurance, which will result in no lapse in coverage with the reinstatement. PennyMac is failing in its contractual obligations and fiduciary duty to manage my escrow account. The escrow transactions show there has been no payment for insurance on my home.There are consistent complaints, and there was recently a class action settlement with PennyMac regarding lender-placed insurance with new companies that charge much higher rates. It is clear that PennyMac has a consistent policy of not paying insurance premiums so it can force a cancellation to justify a lender-placed insurance with one of its "preferred" companies who charge excessive rates and most likely give PennyMac a kickback as some form of referral fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX and Transunion have been sent 3 three disputes about the inaccurate accounts : 1.  XXXX XXXX 2. XXXX These inaccurate items do not give me a fair and accurate credit report according to 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX and TransUnion are reporting a public record of my bankruptcy on my credit profile. I have sent several rounds of letters to have it removed immediately and they keep responding as updated.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: Navient Solutions, LLC.
State: KY
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:
XXXX 2016 XXXX XXXX XXXX/NAVIENT reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed three ( 3 ) accounts with Equifax, XXXX and XXXX   on four ( 4 ) different occasions. Each of these accounts are false/inaccurate and each credit bureau has not corrected the issue.

1. XXXX 2. XXXX  XXXX 3. XXXX XXXX These are multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have visited multiple car lots and I only authorized them to check my credit once but they checked it numerous amount of times unauthorized. Which negatively impacted my credit.

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 2018-08-07
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: Account status incorrect

Complaint:
I already started a dispute with the 3 agencies XXXX, XXXX  and Experian, and last one, insist that I got one missed payment with XXXX, I sent to all agencies the evidence and XXXX and XXXX  fix the error. Please help me with this situation because XXXX accepted the error too. How can is possible that Experian want to keep the incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-11-29
Company: EQUIFAX, INC.
State: CA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
IN Accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates th e report by more than seven year. 15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 explanation