BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is 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 information below : 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 2021-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I made a claim in XX/XX/XXXX because I found out I didn't have money on my EDD Bank of America debit card. I downloaded the app Bank of America prepaid. I found out that someone stole from me. The dates were XX/XX/XXXX, Amount XXXX, XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX XX/XX/XXXX, Amount XXXX. They told me it will take 45 business days. I received a letter on XX/XX/XXXX that my account was frozen. I called them again in XXXX, XXXX for an update on my claim. They told me that it was close, so I reopened the claim. On XX/XX/XXXX I received another letter telling me they closed my account again, I reopened it. On XX/XX/XXXX I received another letter telling me they consider my dispute closed, if I want copies of the documents they relied on to reach their decision and, if I have any questions, to call them. I gave them a call and they told me they can't do anything for me because I reopened it twice and that they're sorry. I ask for the copies and documents they relied on. They told me the only thing she can do is put in a request for the copies and that they're going to contact me. I haven't heard from them after that. I believe they didn't look into my claim at all.

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 2023-04-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and XXXX has a security question ( Mother 's city of birth ) established by the fraudster. 

The problem is particularly acute with XXXX. We have attempted to shut down our XXXX account and open a new one with new credentials, but XXXX has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In mid-XXXX we shut down online accounts with Equifax and XXXX and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through XXXX. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX and XXXX. Both companies alerted us and those accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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:
I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : DEPT OF ED/XXXX - XXXX XXXX - DEPT OF EDXXXX - # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 
15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XXXX  XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations

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 2023-04-26
Company: EQUIFAX, INC.
State: LA
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX  Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Amex calls me repeatedly even though I have explained my financial situation and my inabiltiy to pay at this time. The phone call I just had with a debt rep from Amex consisted of him repeatedly telling me if my payment wasn't made today, I would be turned over to collections. I asked for the late payments to be removed and he stated they could only remove 3 fees. I asked for more and he kept repeating himself about closing the account and sending me to collections. When I asked him to stop making threating statements and asked for his supervisor, he refused and continued repeating himself about what will happen if I don't make a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
I have mailed out four dispute letters each to XXXX, Equifax, and XXXX, all certified mail, and have not received ANY correspondence although it has been confirmed that my letters have been received via tracking from the United States Postal Service. Each reporting agency also received a copy of my consumer report detailing the many inaccuracies, inconsistencies, missing data, etc. I made sure to point out each and every mistake. 15 U.S. Code 1681i provides the procedure and rules they are to follow when information is being disputed by a consumer. None of this was followed. I do not believe an investigation was ever initiated. I didn't receive any physical letters, emails, alerts, notifications, -nor did I receive a copy of my credit report upon the completion of my investigation as I requested in all of my dispute letters. 15 U.S. Code 1681 ( a ) ( 4 ) states that the reporting agencies are to insure that they exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Section ( b ) further details that the reporting agencies are to carry out these procedures in a manner which is fair and equitable to the consumer, with regard to confidentiality and accuracy. This has not been the case. They have not been fair, and my right to privacy is not being respected. In fact, my right to privacy is being repeatedly violated by the following financial institutions : XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX [ The same account is reporting twice! ] ; XXXX XXXX XXXX XXXXXXXX ; [ MAY ALSO BE " XXXXXXXX XXXX XXXXXXXX '' ; if not, this is in violation as well ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX. There is no confidentiality being that my nonpublic personal information is being shared to nonaffiliated third parties without my permission. I did not provide any of these companies with any expressed consent to furnish information onto my consumer report. This constitutes as identify theft and this is against federal law according to 15 U.S. Code 6801 and 15 U.S. Code 6802. I was never given a clear and conspicuous notice, or the choice to exercise my right to opt out of reporting. Overall, I am not being treated fairly, any my privacy is not being protected by any means. I have wasted money, time, and energy fighting this matter and I really hope you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Nelnet, Inc.
State: AL
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:
Ive spoken with Great Lakes about how they are reporting my student loans. I requested a payment schedule showing the payments Ive missed and theyve failed to properly do so. The incorrect payment history is causing great damage to my credit report. 

It is showing that my first missed payment was reported as 90 days late on XX/XX/2015 but I paid it on time in XX/XX/2015. Arent they supposed to report my first missed payment as 30 days late since I was on time the month before?! 

This is impossible. Ive attached the letter theyve sent me that they said its reported correctly and Ive also attached what is being reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I reported fraudulent charges made to my account. My original card was damaged and asked for a replacement card. I never received the replacement card, and from what the creditor told me, the cards ship in the mail already activated. Someone used my card multiple times in XXXX & XXXX. I reported this late XXXX and talked with the creditor in XXXX regarding the charges. They removed them but I received a letter on XX/XX/XXXX stating that there wasn't enough evidence of fraud and they put the charges back. I've tried numerous times to reach the investigator and she will not return my calls and no one else will help with the claim. 

XX/XX/XXXX {$1100.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$440.00} XX/XX/XXXX {$700.00} XX/XX/XXXX {$78.00} XXXX XXXX {$47.00} XXXX XXXX {$210.00} XXXX XXXX {$180.00}

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 2022-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates. I keep telling these people that this account is not mine. its been 7 years now and they keep " disputing '' it maybe 5 or 6 times now but its not going away for reasons I don't even know. This account was opened in XXXX. So that would mean I was XXXX or XXXX at the time. I am now almost XXXX. I now have XXXX kids and still am unable to independently put a rood over my children 's heads because this has been on my credit report and following me for years. All over something that is not mine. the amount is over {$800.00} and I don't have money just laying around to be paying off things that aren't even mine. This has been a nightmare and I just want it to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2019 I traded in a vehicle and purchased a new vehicle at XXXX XXXX in XXXX VA. The payoff quote was {$24.00}, XXXX. I called the dealership constantly to see if they had paid the previous loan off and I kept getting the run around. I was told not to make the car payment on my old vehicle because the dealership would payoff the loan. The car payment on the turn in vehicle was XX/XX/XXXX. After numerous calls to XXXX XXXX I was told today XX/XX/XXXX that I owe them an additional {$170.00} for the title. They have not sent a check to the previous finance company for the trade in vehicle and said they can not do so until I pay them {$170.00}. They said that I signed a form saying I would pay the difference which they could not produce. I was told that the reason why it wasn't paid within the 10 days was because they were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I got hit with {$140.00} in overdraft fees within a period of 2 days because I was unaware of certain electronic transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off the balance on a Home Equity Loan and requested the account be left open. Bank of America closed the account and is now attempting to deduct a {$730.00} " Early Closure Fee '' from my checking account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: MI
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 am a victim of identity theft. I did all I can do I sent letters, made phone calls I even got a police report to prove my case.I called credit acceptance multiple times and asked them to show proof or anything that can prove that had a car or loan through them.Not once did they show any proof of any kind nor any information other then making false reports on my credit report. 


dates XX/XX/2023 for {$8800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: LA
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. FDCPA Section 807 Violation Misleading False Reporting U S DEPT OF EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, 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