BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : XXXX XXXXXXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX [ XXXX ] XXXX [ XXXX ] XXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] DEPT OF EDUCATIONXXXX [ XXXX ] XXXX XXXX XXXX XXXX [ XXXX XXXXXXXX XXXX ] As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.

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 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My savings account was cleaned out by Bank of America on XX/XX/XXXX. I called bank but they only gave me a telephone number of the prosecuting assistant attorney in XXXX. 
A suit is filed in California., my account is in XXXX XXXX. There is another person on my account who has a debit card but he is the wrong person being sued. All money was mine, they took over 6000 Dollars and said I owe over 49,000 dollars. 
After I received a copy of the Acknowledgement of Service to the persons with same name. Man 's name is the same then the person on my account and married to a XXXX with the same last name ( but its not mine last name ) and have been served notice in XXXX XXXX. 
I neither nor my friend on my bank account are married and don't owe any money. Suit was filed as criminal suit. 
Why did bank not check my birthdate, SS, and that of Mr. ... ... By the way, XXXX XXXX lives in XXXX since birth and at the time of service I was in XXXX. 
No one at the bank will talk to me how they can do this without checking if we are the persons. I never get thru to the person who signed the order, XXXX XXXX in Delaware, BoA. 
We spoke to assistant attorney at XXXX XXXX of California, Mr. XXXX XXXX. That was 2 weeks ago. We answered questions he needed to clear our names. 
He said he would contact BoA and see why they sued us since we have nothing to do with it. 
I was told I need an attorney in California but everyone I contact did not want to take the case and clear our names and file the proper papers. 
I am on SS and afraid they will take money out of my checking acccount which they did for attorney fees and I think my heart will not take this absurd pressure anymore. I am XXXX and by the way my credit score is over 800. 

Please help us. 
Thank you

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 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, 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 for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my XXXX, XXXX and Transunion credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against XXXX, XXXX, and Transunion for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.

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 2023-11-30
Company: EQUIFAX, INC.
State: TX
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 writing to urgently bring to your attention the ongoing issue of fraudulent items on my account with Credit Bureaus. Despite my initial report and the subsequent acknowledgment of fraudulent activity, I am dismayed to inform you that a second attempt to address this issue is required. 

The unauthorized transactions on my account continue to cause significant distress and inconvenience. I understand that these situations can be complex, but it is crucial that swift and effective action is taken to rectify the matter. 

I appreciate the efforts made after my initial report ; however, the persistence of fraudulent items necessitates an immediate and thorough investigation. I insist on a comprehensive and expedited removal of all unauthorized transactions from my account. 

I kindly request a detailed update on the progress of this second attempt, including the specific actions being taken to ensure the swift resolution of this matter. Additionally, I urge you to communicate the preventive measures being implemented to safeguard my account against any future fraudulent activities. 
Given the urgency of this situation, I expect a resolution within the shortest possible time frame. Please understand that the delay in addressing this matter not only exacerbates the financial impact but also raises serious concerns about the security of my account.

If this issue is not resolved promptly and to my satisfaction, I may have no choice but to escalate this complaint through regulatory channels and explore other avenues to protect my rights as a consumer. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: NY
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:
In 2014 I was the victim of identity theft. Several fraudulent accounts were opened under my name. I filed a police report on XX/XX/2014. On XX/XX/2014 I was notified by the postal inspector in charge of my case that the person who had stollen my identity had been found, and was being brought to federal trial. All fraudulent accounts were closed by the creditors. 

Equifax did not remove one of these accounts from my credit history. It still remains on my credit history, and is still negatively impacting my score.This has resulted in unduly increased insurance costs for me for at least the past two years. I have attempted to contact Equifax dozens of times regarding this issue. I have submitted multiple claims. Each time I have provided copies of police reports and all necessary personal information that was requested. Each time I submit a claim, Equifax either never opens the case at all, or concludes that the account is not fraudulent and thus does nothing about it. 

Often they will refuse to let me see the results of the investigation, and I am just told to resubmit the same claim. 

The other two credit agencies, XXXX XXXX and XXXX, have concluded that this particular account is fraudulent, and have correctly removed it from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check and stub dated for the XXXX of XXXX, 2016 that was cashed yesterday, XXXX XXXX, 2016. This caused my bank account to go negative and I incurred bank fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amex Bank failed to make a timely transaction, and / or continued to process a transaction as late when bills was already paid, claiming that there was no override on their computer program. 
This resulted in being a decrease in my credit limits and being forced to reapply for credit. 
Amex also owes me XXXX for one transaction that was overpaid and never refunded. And XXXX for another payment that was paid when it was not owed. 
The negligence of Amex Bank cause me a XXXX point loss on my credit score and I downgraded a card because the annual fee was XXXX of the value of the entire card and not worth having anymore. 
This, after 19 years of banking with them has become the rationale to leave and have everyone that I know do the same. 
They damaged my credit because their checking and banking system do not communicate with the customer or internally with each other. 
If they dismiss this complaint without a resolution, there will be further consequences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Bank Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: D&A Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My original debt was with XXXX, who sold the collection to XXXX XXXX XXXX. In XX/XX/XXXX XXXX contacted me with a settlement offer, which I accepted and paid in the amount of {$3400.00}. The item was listed on my credit as paid and I thought this was over. One year later, I got a letter by mail from D & A Services stating that I owe them {$2300.00}. I called the company numerous times and sent in all verification that was asked, yet they have refused to correct this item, and are advising me to contact XXXX, although D & A is the company that has listed a new debt on my credit. I do not know where else to go with this, this company has ruined my credit at a time where I am in the process of trying to purchase a home, and refuses to correct their actions. This item was paid since XXXX of XXXX, is listed on my credit as paid, and here they come with a new collection attempt. This is very deceptive and a practice that I wanted to bring to the attention of the Federal Government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Global Lending Services LLC
State: AL
Product: Credit reporting, credit repair services, 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:
On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
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:
According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX COLLECTION/CHARGEOFF Other {$3300.00} Account number XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Auto Loans {$3400.00} Account number XXXX Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: MiraMed Revenue Group LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have insurance. I have never not had insurance. We have two full time jobs and no serious medical issues. Just routine care. I then pay all medical bills not covered by insurance through an XXXX. Over the course of 2 years, my XXXX paid my bills to XXXX XXXX XXXX and they returned the payment to my account each time. I would pay the bill- they would return it. Over and over. I called and no one knew what was happening. 

Finally, I changed the way I was paying and started using the XXXX as a credit card to pay online instead of an electronic transfer and it worked! I paid all past balances- everything they said I owed, even things I thought I already paid many times and I have had a balance of {$0.00} on my XXXX account since XXXX of 2022. 

I am still receiving collection letters from 2 different collection companies. I disputed one through XXXX and successfully had it removed from my credit report. The second continues to send letters and emails. 

I would like XXXX XXXX XXXX to STOP reporting my debt as unpaid as I have paid all debts and my balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of late, I have been in process of correcting incorrect/inaccurate information on my credit file. After careful review of the credit reports from the bureaus I can confirm that there is still incorrect information on my report. The following accounts are reporting inaccurate information on my credit report : 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 ] DEPT OF EDUCATION/XXXX  [ XXXX ] DEPT OF EDUCATION/XXXX  [ XXXX ] DEPT OF EDUCATION/XXXX XXXX XXXX ] DEPT OF EDUCATIONXXXX [ XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As correspondence, I will mail this report along with identity and address information for the credit bureaus to see. I simply ask to remove all these accounts from my report. There are too many inaccurate payment histories, payments, and amounts on these accounts that isnt supposed to be there. Ive also considered that incorrect and false information on my credit file is a violation of my personal and privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Nelnet, Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Nelnet Inc. 

You are representing XXXX in the aforementioned account XXXX listed under XXXX XXXX. Mr. XXXX has advised your company in previous complaints against XXXX XXXX that the accounts where in dispute prior to you receiving them for servicing. After reviewing the promissory note you claim that is verification of the deficiency balance. You also claim that you had sent Mr. XXXX copies of the payment history on this account. You ( Nelnet ) and XXXX have purposely devised misrepresentation of material facts. The documents I have been provided by MRXXXX XXXX clearly state that you are the student loan corporation using Nelnet systems. 

You claim this is a legitimate claim, however when you had sent the loan to XXXX XXXX they returned it back to you finding errors and your collection attempts and validation request was denied. You attempt to collect this debt although Mr. XXXX had disputed this account with XXXX XXXX violating provisions of the FDCPA. 

You are required by law to provide full validation, a promissory note is not sufficient for full validation request pursuant to section 623 of the FCRA. 

This debt is disputed and a request is made to notify the data furnisher of disputed information on XXXX XXXX XXXX XXXX. 

This claim is for the following creditors, servicers for a private student loan originating XXXX and XXXX from XXXX XXXX. A XXXX Assist student loan. Please verify with thXXXX National Student Loan data systems that this loan was dispersed to the institution attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
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:
I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX  # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX #   XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX  and XXXX refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of 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
Consumer complaint received 2023-09-09
Company: Paypal Holdings, Inc
State: AZ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have a deposit thats been made to my Venmo account and Venmo requested information I turned everything in and ow they kept my money and closed my acccoint and refuse to give me my money or return to Ssa

Company response to consumer: Closed with monetary relief