BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I tried to solve this issue with Bank of America in the past but I couldnt get any help. I've called numerous times, sent letters and continue to be told that they see no " fraud '' on the card so they aren't even listening. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/2017 and I have proof of that. In my last complaint I included the police documents. Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. Bank of America was not the only company that I had issues with. I was the victim of business fraud which affected my ability to pay my XXXX XXXX account as well as my Bank of America card. The fraud took place in XXXX of 2017. I opened a small store front business and in the process of purchasing equipment I was victim of XXXX  The police department was involved. I have done everything in my power to get the negative payment history removed. It took me about 2 1/2 years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of 7 late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA acc # XXXX. Opened XXXX.Limit {$3000.00}. Status : Closed. Balance {$0.00}. This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. Thanks to whomever reads this

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 2021-08-13
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I have sent 3 letters to this organization to send me proof of the alleged infraction that is reporting in my name. The company has refused to do so and is now stating my dispute is frivolous when they haven't sent me what I have asked for. 

I have not received any dated information with the company 's logo with stating how this infraction pertains to me. 

According to the FCRA Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer.

Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX XXXX for the investigation. XXXX XXXX XXXX can alter information for your benefit. 

This organization has yet to comply.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
ALL 3 " CRA '' CONTINUE TO VIOLATED " FCRA '' SECTION 607 WITH REPORT FRAUD AND OUTDATED ACCOUNTS NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX 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 2020-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize these companies to pull my credit. Additionally, there are addresses I don't recognize. Please remove 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 2020-11-11
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: Account information incorrect

Complaint:
I bought a XXXX on XXXX and finance it with XXXX. In XX/XX/XXXX I got really sick and was out of work for about a year. 
XXXX repossessed the car on XXXX XXXX XXXX and is reporting the vehicle was repo in XXXX. Also XXXX and the collection agency are both reporting the same information on credit bureaus with XXXX incorrect information. I have challenged them more than a few time but keep on getting the same answer from credit burous that information is accurate especially Trans Union that doesnt help on anything.

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 2020-04-30
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an emergency and went to local ER. They stated it was out of network. It wasnt. It took 2 years to get the bill corrected. They charged me @ XXXX dollars and this was sent to collections. The accurate bill was XXXX dollars and I paid it promptly. The collection company wont remove it from my credit report even though the amount is inaccurate. I have disputed the claim several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am simply just trying to get something in writing that states the settlement amount they offered me. I would like something in writing so I have proof that is the amount agreed upon.i a, worried that I would pay the settlement amount in full and then they try to charge me the remainder of the balance. The representative I spoke to said they do not send out or email settlement letters and are this time the company does not even have settlement letters. I kindly asked if there was any way I could get the amount in writing, even a simple email, and was told no. 
The amount owed is XXXX The settlement offer is XXXX I called on XXXX XXXX and was given my account number and was offered the settlement and asked about payment plan. 
I called on called on XX/XX/XXXX and requested settlement in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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:
In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX 7. XXXXXXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: ALLY FINANCIAL INC.
State: MI
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:
Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX XXXXAlly Financial has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also Ally Financial has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

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 2020-04-30
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:
While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, XXXX and Equifax ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
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:
While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( TransUnion, XXXX and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not 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 explanation
Consumer complaint received 2020-04-30
Company: Harvard Collections, LLC
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:
To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

Harvard Collections has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with Hardvard Collections. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

Hardvard collections has no rights to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was expecting my paycheck on XX/XX/XXXXof this month to reflect on my Amex/bluebird card my paycheck is been paid there automatic, I logging online with my computer into my account to know if it's available on my balance cause my phone was at the doctor to fixed it but all of a sudden I tried to logging but not going through it keep saying the username and password combination isn't right, I call the customer care they said my account was permanently suspended and hang up on. The Amex XXXX and customer service line have been no help I still have money in there I have to pay rent food medication etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, 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:
The following addresses I have not lived at Former Address 1 XXXX XXXX XXXX XXXX   XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 5 XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 6 XXXX XXXX XXXX XXXX XXXX, OH XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a loyal customer of Capital Bank Card for many years and have never missed a payment. The recent national calamity, COVID-19 pandemic has hit XXXX, NY, where my family and I live, probably the hardest of all in the United States. Because of this pandemic, my household income has changed so on XX/XX/2020, I called Capital One and humbly asked them to lower my current APR of 23.9 % (!!! ) to a lower rate. The answer was an unconcerned no. Capital Card 's usurious desire to profiteer in the times of a national tragedy is wrong. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Currently, Experian and XXXX a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called XXXX  directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to XXXX about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with 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 2019-06-21
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Yes, it involves the three bureaus. It is with fica also. There is a judgement on file against me. I was a holder among others of a credit card of a company that went out of business. The business owed the credit card money. They could not collect from the company because the company went broke. So the credit card company then sued all employees that held a company credit card. Not knowing i could be liable and the others also ignored the credit card company. they file suit against employees of which I was one an got a judgement against me and others for the company debt. Tgat judgement is on my report. If it is going to be there it should show the reason for the judgement which I am still contesting. 

Next, i am shopping for a mortgage. I am looking for a rate suitable for me. It may take one month. It may take six months. In the meantime hard pulls are being made and each time my credit score goes down and down. if you look at the payment portion of my credit it is 100 % on time, never late and paid the amount and sometime more each month. tis has dropped my score to low 600 's. It is uncalled for and I so disagree with fair issac as to how they record inquires and makes credit scores drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Yes, it involves the three bureaus. It is with fica also. There is a judgement on file against me. I was a holder among others of a credit card of a company that went out of business. The business owed the credit card money. They could not collect from the company because the company went broke. So the credit card company then sued all employees that held a company credit card. Not knowing i could be liable and the others also ignored the credit card company. they file suit against employees of which I was one an got a judgement against me and others for the company debt. Tgat judgement is on my report. If it is going to be there it should show the reason for the judgement which I am still contesting. 

Next, i am shopping for a mortgage. I am looking for a rate suitable for me. It may take one month. It may take six months. In the meantime hard pulls are being made and each time my credit score goes down and down. if you look at the payment portion of my credit it is 100 % on time, never late and paid the amount and sometime more each month. tis has dropped my score to low 600 's. It is uncalled for and I so disagree with fair issac as to how they record inquires and makes credit scores drop.

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 2017-12-02
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX, 2017 amount {$1900.00} I was basely robbed by PNC bank. I had an accounts one with my son, and another with my daughter when she attended college a few years pass. In searching for a job this year she was caught up in scam, which sent her a check in the amount of {$1900.00} and told her she had to send back portion of the check because, another person needed to purchase stuff need for the operation, which she did. The bank took the check and gave her credit for the money and added it to her account. The next day PNC took all the money out of her account and the money from my son account but, her name were not on his account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I leased a new car at XXXX XXXX on XX/XX/XXXX. I turned in my existing lease which was paid up to date. I started a new lease with a first car payment of {$450.00} due XX/XX/18. I was told to leave a check at XXXX XXXX for my XXXX payment. I did. Fast Forward to end of XXXX when I receive a collection call saying I never made my XXXX payment and I was delinquent on my lease. I had to pay 2 car payments to catch me up. I contacted XXXX XXXX 3 times over the phone and twice in email and never received a response from my sales person or the finance department. I reached out to XXXX XXXX XXXX on XX/XX/18 hoping for some help. I was contacted by their representative who said that she could not help with this issue but would contact the dealership. I still have not been contacted by the dealership. I would like the delinquency removed from 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