BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$20000.00}

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 explanation
Consumer complaint received 2020-01-17
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom it May Concern : I wrote to the company asking for information about this debt. I listed my name address and in response to this request. I didn't receive any letter pertaining to this matter. 

Companies : Radios Global Solution XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Re : Acct # ****XXXX XXXX I am very much interested in knowing the actions of this debt collection Please advise Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and XXXX XXXX that XXXX bank reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on 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 2023-08-04
Company: EQUIFAX, INC.
State: WA
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 to Equifax 2 times online, and 1 time in the mail to Equifax XXXX XXXX about the collection which is not mine, but they verified it belongs to me. I am still living with my family and they paid everything for me with their own account so I did not have any reason to open another XXXX account. I am still studying at university and have no job because I am a full-time XXXX, and I hope later I graduate in XXXX I will have a good job and buy my own house so this collection did stress me because it's not mine. No one helped me to remove it from my credit report when it's 100 %, not mine. I wasted my money to send a letter to Equifax XXXX XXXX XXXX they did not care and did not remove out. I want to have justice for my credit report. 

Original Creditor : XXXX XXXX ( XXXX ) Account : XXXX XXXX XXXX Date opened : XX/XX/XXXX. 
Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir/Mam, I did initiated 3 BillPay transactions from Bank of America BillPay on XX/XX/XXXX & XXXX for the amount of {$2300.00}, {$4500.00} & {$4900.00} and scheduled to pay my loan account of 11.45 % interest rate with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 
First of all, the check amount of {$2300.00} and {$4500.00} on XXXX XXXX and {$4900.00} was on XX/XX/XXXX was deducted from my Bank of America Checking account. After complaining that the funds were not paid to the recipient loan account @ XXXX XXXX XXXX XXXX, I received an update from Bank of America that 2 checks {$2300.00} and {$4500.00} were encashed by XXXX and {$4900.00} was not, whereas XXXX confirmed that the bank did not encash the funds, so Bank of America understood the checks were encashed by an unknown ... which is fraud. After knowing that {$4900.00} was not encashed I did requested to cancel the {$4900.00} check and refund the money back to my account. The {$4900.00} was deposited back to my account on XX/XX/XXXX - after 7 days from the date of complaint. 
Now going back to 2 checks that were encashed, Bank of America took almost 45 days to fax the check copies and collect an affidavit confirmation from XXXX and without my follow up every 3 days and coordination between the 2 Banks it would have not been possible at all. 
Now after receiving the affidavit on XXXX, XXXX, that the payment has not been encashed by XXXX, the money deducted from my account {$2300.00} and {$4500.00} should have been refunded back to me as I understand all the accounts are FDIC insured with Bank of America. 
As a single family income member, lose {$6800.00} for about 2.5 months is a very bad economical crisis and on the other had the funds were supposed to be paid to a loan account of interest rate 11.45 %. 
The process of Bank of America with respect to sending or receiving fax and send/receive mails is very unprofessional and it needs to be fixed. 
On top of all that, how can Bank of America authorize a fund clearance when the check is encashed by a wrong recipient when it's a BillPay check generated by Bank of America Back Office and marked to a specific account number with XXXX. 
Secondly, when the transaction has been identified as fraud why is the fund not returned back to my account & why the FDIC claim not initiated by Bank of America, why does the consumer have to wait on refund which directly impacts the consumer and his economical conditions ... Why is Bank of America not able to put consumer priority first to refund the money to the consumer while the account is FDIC insured and then continue with the investigation whereas the consumer is not directly involved in such a fraudulent transaction?

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2019-09-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX**** Balance : {$10.00} XXXX XXXX Balance XXXX {$3500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-19
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX : {$1500.00}.

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 explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, TransUnion ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal 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 non-monetary relief
Consumer complaint received 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
By not reporting the entire account number they ( CRA ) are not complying with Section 609 of the Fair Credit Reporting Act.

Per FTC Opinion letter " in sum it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file.

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 2018-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2018 I electronically sent the regular monthly car payment it was posted on XX/XX/2018. My payment due date is XXXX of each month. 
Finance Charge {$21.00} paid XX/XX/18. 

I mailed a check in about XX/XX/2018 it was posted on XX/XX/XXXX. On the check since I was with in the time limit I stated " PRINCIPAL ONLY '' and I noted the regular payment was previously sent. 

However, I received my stamen with closing date XX/XX/2018 and payment due XX/XX/2018. They used the principal only payment for an additional car for the same billing period and applied the balance of the money to the principal.

Finance Charge {$10.00} paid XX/XX/18 There was no " FINANCE CHARGE '' due with in the same payment period.

You can not charge FINANCE CHARGES twice in the same billing period.

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 2023-11-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX. XXXX, XXXX These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Designed Receivable Solutions, XXXX XXXX XXXX, La XXXX, Ca XXXX with Tel. XXXX is a debt collector assigned by XXXX XXXX XXXX XXXX XXXX XXXX to collect my medical debt after I went to emergency room last XXXX XXXX. I was never admitted but I was billed {$9700.00}. I was shocked by my bill and I was billed by my insurance {$1800.00}. I paid XXXX thru installment {$870.00} the rest {$1000.00} was assigned to debt collector since XXXX because I lost my job due to pandemic as a XXXX. XXXX XXXX I paid {$300.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}. I have remaining {$410.00} balance. After Designed Receivable Solutions received my payment on XXXX this company reported me to the credit bureau and my credit score from excellent credit went down very low. I called immediately Designed Solutions and I complained. They told me if Ill pay them immediately the whole remaining balance then they will remove my bad credit report. I said I lost my patient last XXXX and due to the pandemic I have a hard time getting a new patient but I tried to pay them. XXXX XXXX told me that it takes 6 months without paying theyll report me. XXXX from debt collector was forcing me to pay the whole balance or they will ruin my credit score. Im so stressed and got so XXXX. I better went to XXXX XXXX without insurance but because I Paid {$1100.00} a month health insurance thru XXXX  I was billed so high even the hospital just took blood test only and discharged me. I never asked assistance from state or federal. I was very responsible but because of the pandemic my income went down and I lost my job. In spite I tried to pay my medical bill. But this debt collector is harassing me and forcing me to pay the whole amount at once. Im very XXXX  and couldnt sleep at night. Please help me. Ill pay my debt thru installment but I dont want XXXX from debt collector harassing me to pay the whole amount to avoid bad credit report. I will be very thankful if you can help me remove the bad credit report. 

XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Innovate Managed Holdings, LLC
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:
Dear XXXX, I am writing to dispute the fraudulent accounts that have been reported on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. These accounts are inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding. 
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. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller. 

I request that you investigate and remove any fraudulent inaccurate accounts from my credit report immediately. Please provide me with written confirmation that this issue is resolved. 
XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/2022, Balance due {$830.00}. 

XXXX Account # XXXX Date Opened XXXX XXXX Balance Due {$18000.00} This account is fraudulent and inaccurately reporting on my credit report. Under the fair credit reporting act this account is closed and past the 7-year statute of limitations and must be removed immediately. XXXX states that this company is not licensed or regulated to collect a debt in my state, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Harley Davidson Financial Services Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In 2015 i bought a motorcycle from XXXX XXXX in XXXX. In 2015 I bought my first home with my wife. The home was brand new construction and theft kept occurring throughout our new neighborhood. The new house next door to ours was not yet completed at the time but had all brand new appliances stolen. My new motorcycle was stolen and I reported this to police. I made contact with XXXX and the insurance about what had happened. The insurance covered through XXXX covered what I thought was 100 % of the loan. It infact did not, around {$1500.00} was left on the loan. They told me to have Gap insurance pay the remainder. I was confused with the paperwork and thought I had the right documents and steps taken. I received a debt from XXXX of {$1500.00} that was supposed to be paid for. I continue to be negatively effected by XXXX XXXX company after 5 years.

Company response to consumer: Closed with explanation