BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX complaint came back as " resolved ''. Case is not resolved. Bank of America states " documentation of prior proof of payment not received ''. We have faxed to them copies of prior payment with another credit card. They stated that FULL credit card number must be on statement showing payment was made for spa services prior to boarding princess cruise ship. We DID send them statement with FULL credit card number. Agent verified receipt of that fax. Bank of America response is " dispute for {$210.00} denied????????? not sure where {$210.00} came from???? our dispute amount is {$650.00}. 

repeat of previous claim : We paid for ALL spa services prior to boarding with another credit card. There was to be NO spa charges after boarding cruise ship.

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 2021-04-09
Company: MoneyLion Inc.
State: ID
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:
In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from Moneylion Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make XXXX XXXX of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX representative, on this agreement. I made XXXX XXXX payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my XXXX credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. Infact  I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this XXXX on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with XXXX many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: WELLS FARGO & COMPANY
State: AZ
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:
Wells Fargo Auto loan is illegally reporting that my loan is past due for the months of XXXX and XXXX. Despite the fact that They agreed to a payment agreement to bring the account current and the CAREs Act amendment to the fcra explicitly prevents them from doing so.

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 2021-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have paid down debt, and had an error corrected that XXXX XXXX put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshoXXXX XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: NAVY FEDERAL CREDIT UNION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Before XXXX/XXXX/202 we asked Navy federal to process a special program we qualified for, for a lower interest rate. They told us DO NOT pay the bill and let the XX/XX/19 bill be late. They said they would remove the late fee later because of processing time. We called again in XXXX, wherein we learned the paperwork got lost, and we had to do it again. We filed to have the new interest rate processed which would take up to 45 days. Again we were told do not to worry about payments because it will go to interest and it was their fault so they would remove the late remarks. Finally, in XXXX we had a new lower interest rate, a much smaller payment, and were " caught up on payments '' as you can see from the documents. We have repeatedly given the XXXX  the names of employees we spoke to about his matter and they do not remove the late remarks from this account. This account had NO LATE payments in the entirety of the account 's life. We called in repeatedly to make sure of this. Yet the XXXX  is not honoring the agreement. All I can offer is proof of the interest and monthly payments in the statements. Many employees who worked in the specialty department that allowed for hardship payment qualifications can see ALL the notes that explain, that the 1st application didn't process correctly and that the employees said they would remove those late payments during processing times. We have repeatedly asked the XXXX  reporting team to look into this. The XXXX  does not answer us via email like they said they would, nor do they mail us anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-06-03
Company: Experian Information Solutions 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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # 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 2022-09-05
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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

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 2022-09-05
Company: EQUIFAX, INC.
State: MS
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:
Child support is refusing to report correct amounts paid toward the obligation. As well as reporting false information about the amount owed. Child support has been taken out of every check ive recieved for over 8 years. I ask that these be removed from my credit report with all three credit agencies in accordance with 15 U.S Code 1692 e. I want my credit score to reflect the changes made thank you for hearing my story. Below are documents from agencies i have done work for this year, but Pleas Note : this has been happening for 8 years now and a timely solution to this problem is paramount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Diversified Recovery Services Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am showing this account was opened on XX/XX/XXXX. The account has been reported on my credit as of XX/XX/XXXX. This company has not made any attempts to reach out to me about this debt. I was not able to dispute this debt or receive full verification of the debt. Due to company not reaching out to me first.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

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 non-monetary relief
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Child support is refusing to report correct amounts paid toward the obligation. As well as reporting false information about the amount owed. Child support has been taken out of every check ive recieved for over 8 years. I ask that these be removed from my credit report with all three credit agencies in accordance with 15 U.S Code 1692 e. I want my credit score to reflect the changes made thank you for hearing my story. Below are documents from agencies i have done work for this year, but Pleas Note : this has been happening for 8 years now and a timely solution to this problem is paramount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I had submitted my XXXX orders to XXXX back in XX/XX/XXXX, because I was going to be overseas where I would not have access to XXXX service. I sent in an email ( XX/XX/XXXX ) to  XXXX. They successfully put my account on hold. Then on XX/XX/XXXX ( mind you I am overseas still ), I receive an email that my phone had been activated and needed to be paid. My orders clearly state that I will be on XXXX for 359 days. So, me being shocked that my phone had been activated against military orders and my permission, I contact XXXX via email. The woman asks me to send the orders again and that she would suspend the account for the 359 days. So on XX/XX/XXXX I  resend orders. Then fast forward to when I am stateside and home from XXXX, I contact XXXX to activate my phone. I am told that they can not activate my phone because of no payment and that my account is in collections. They could not reactivate or pull it out of collections because " it was out of their hands ''. So I had to open a new account with them AFTER paying the old one off ( that is somehow still in collections as if it hasn't been paid off ) and in result I have a collection for a phone that was to be on a military hold for 359 days, because XXXX failed to do their job. I then submitted a dispute against this collection and I received a result back saying " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So I am now submitting a complaint against this, because I have more than enough proof showing that my phone was requested multiple times to be on hold while I was on military orders and yet this account is in collections because of XXXX 's wrong doing.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, verifying that I, XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2019-12-01
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a credit score/Fico score of XXXX, which is considered excellent, and it states that on my report, issued to me by XXXX XXXX, XXXX, XXXX, XXXX, etc. I have had excellent standing with all my creditors, loans, etc, for many years now. 
... .I have never been late with any payments, nor do I have any outstanding balances, on any of my credit cards, or loans, etc. 
... Yet, for the last four years a " company '' called " LEXIS NEXIS '' of XXXX, GA, has stated, on my homeowners, and auto policy renewal, that they have " insufficient '' information on my credit history, and I have % of balance to open accounts ... ... ... which is all " DECEPTION AND DOUBLESPEAK '', AND FABRICATION. 
... ..For this reason my insurance policy has gone up, every year. 
... I have never filed any claims with my insurance provider " XXXX XXXX  ''. 
I have a perfect record. 
I am asking the " CFPB '' to help me resolve this issue with this " nefarious '' company, LEXIS NEXIS '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have paid down debt, and had an error corrected that XXXX XXXX  put on concerning a mortgage I have I had in forbearance reporting incorrectly. The scores stayed the same. I believe these private reporting companies keep scores down to sell their high interest credit cards and loans, etc as they make suggestions for these entitie My scores were at XXXX now at XXXX XXXX, here 's your credit snapshot XXXX XXXX Learn more Experian Data XXXX XXXX XXXX 2021 XXXX Fair XXXX Credit Usage

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 2022-09-05
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: Reporting company used your report improperly

Complaint:
Delete Late payments from XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX

Company response to consumer: Closed with explanation