BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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 Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX ACCOUNT 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Bank of America failed to conduct a fair investigation into claims against XXXX  XXXX  XXXX  XXXX XXXX. 

BOFA covered up police and fire reports and colluded with XXXX XXXX to defraud me regarding total fire damage to my auto. 

BOFA owes me over {$1700.00} in refund. 

XXXX XXXX XXXX has used police to harass me in my effort to receive fair treatment.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-25
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:
I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX 
{$420.00} Equifax, XXXX and XXXX fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Frontline Asset Strategies, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I switched phone carriers from XXXX XXXX XXXX XXXX XXXX XXXX I retained my original cell number. In order to keep my number when switching, I contacted XXXX and closed out my account with a representative to ensure I completed all steps. I paid my final months bill of {$75.00} and the representative confirmed that was it. Several months later XXXX started calling saying I owed them that money and when I challenged it they put a collection on my credit. I disputed the collection and it was removed in XXXX. Now almost three years later I am again receiving harassing calls and emails from a collector claiming to be collecting that same {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid, my international travel business began losing money. As a result, I entered into a forbearance plan with XXXX XXXX XXXX in XX/XX/XXXX. My payments were suspended from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX I received notice from XXXX that my loan was being transferred to Statebridge Company , LLC. Then in XX/XX/XXXX Statebridge demanded that I bring my loan current or that I would face foreclosure. In the process of communication with Statebridge, I seriously felt XXXX discrimination because of my XXXX immigration status and English speaking accent. They requested that I find an interpreter because they were having difficulty understanding me. With the help of my Realtor who is also a licensed mortgage specialist, Statebridge offered me an 18-month payment agreement. The plan was meant to bring me current by paying for all the payments that were missed during the forbearance plan in XXXX. In addition, the plan would pay for my future property taxes as well as my homeowners insurance. I insisted that I pay for my taxes and insurance separately, however they said that was not an option. I was told by my Statebridge loss mitigation specialist, XXXX XXXX that Statebridge would be paying for these amounts as part of the payment agreement. With this being the case, I agreed to pay {$11000.00} on XX/XX/XXXX. Then I paid {$5500.00} each month for the next three months - XXXX, XXXX and XXXX. My regular mortgage payment was only {$2500.00}, so paying {$5500.00} each month was very difficult. In only four months, I paid Statebridge {$27000.00}. In XX/XX/XXXX, I discovered that Statebridge did not pay my property taxes for XXXX because I received a bill from the county requesting payment. This was very distressing. Despite multiple attempts to contact XXXX, she has yet to provide me with my homeowners insurance information. I found out today, XX/XX/XXXX that Statebridge purchased a forced-placed insurance policy. This is even more distressing. Worst of all, I received a letter from Statebridge in XXXX stating that I owed {$19000.00} and if I didn't pay they would move to foreclosure. I have no idea what this amount is. The letter said I owed from XX/XX/XXXX, however I was not their customer at that time. The payment agreement I established with XXXX was not being honored. My international travel business has not recovered at all, and I have no income. XXXX has been threatening that they would sell my home. I am a single mother. I have to keep my house for my XXXX XXXX XXXX son. So I borrowed money from my mother to keep paying. Due to the deception of Statebridge I fell into a deep financial black hole. Not only have I paid a lot of money, I also face the real possibility of losing my home. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, we received an email from Venmo to our email mentioning that our account " has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service '' without any notice or what happened. We have {$640.00} on the Venmo account and when we reached out through email, they asked for proof of ID which my boyfriend submitted to them and then they replied back this morning XX/XX/XXXX stating that we were " not eligible for reactivation due to several concerns regarding your activity. '' I called and chatted with them and Venmo mentioned that they can not give me any information. That they only way to get a reply is to reply back to the email that the Venmo team sent. We have consistently been going back and forth with this and it was mentioned in their email that they would keep the {$640.00} for 180 days. Not sure how they would keep our money when we need it for our monthly payments. I am very concerned with this company and with our money on the account. Our account username is @ threelions. This is my boyfriend 's account where he receives money from construction mini projects he works on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I did not authorize a few Cash App transactions. There was a {$27.00} transaction that was made on XX/XX/22 at XXXX that I did not authorize. There was another {$130.00} transaction that was made at XXXX on XX/XX/22 by the same user. Also, there was a {$200.00} was a receipt from XXXX that didn't even go through because I was told Cash App was down at the time. The person that scammed me made it seem as though she would deposit into her Cash App for me and wire me the money through to Cash App. However, she never did. I was defrauded by this person by both wire & check fraud with a 2-day timespan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: ENCORE CAPITAL GROUP 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:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX and new reference number is 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 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Alliant Capital Management LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted via phone a by representative of Alliant Capital Mgmt regarding an outstanding debt of {$980.00} with XXXX XXXX XXXX XXXX. A leasing agreement for a XXXX XXXX digital product was initiated on XX/XX/XXXX using my personal information ( address & ssn ) by someone other than myself. I did not make nor was I aware of this purchase until notified by the debt collection agency. 

Origination date of lease was XX/XX/XXXX with installments being paid through XX/XX/XXXX. The account # is XXXX. 

I've subsequently filed a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and Inquiries I did not authorize

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the list of accounts has violated my federally protected consumer rights to privacy and confidentiality 15 US 1681. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXXl XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) 1

5 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A section : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall notfurnish any information 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 non-monetary relief
Consumer complaint received 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had several issues with Capital One Auto billing over the past few years, this car has had some MAJOR mechanical issues which at this point has cost me tens or thousands of dollars just to keep the car on the road. I began reaching out to Capital one alerting them to the financial issues I was having regarding the repairs on the car and it not being able to pass emissions or get new tags in Colorado, i believe I began calling around XXXX of XXXX. At the time I was hoping for some sort of relief or help due to the thousands of dollars I was spending to keep the car on the road, at that point my loan was current and I was told that I cant get any loan assistance unless the loan was delinquent. I then had more financial stresses in XXXX of XXXX, and called back again because it made no sense that I couldn't get assistance unless I was delinquent, unfortunately I was told the same thing. In XXXX I was unable to make my payment as I planned, so I reached out again and was told that I needed to have more than one month delinquent in order to apply for assistance, BUT not to worry when I got the assistance approved then Capital One would remove the late payments the reported at this time. Well that never happened. I was able to get the loan current on my own several months later in XXXX. I again fell behind on payments in XXXX of XXXX due to having XXXX, and my father and mother both being XXXX and lots of unexpected expenses I called and worked out a modification in XXXX and yet again the payments were supposed to be added to the back end of my loan, but as I can see from my credit report they have not been and are severely damaging my credit. At this point I have been able to struggle and get the loan back current and I would love to refinance and get away from Capital one, yet I cant due to the lates they are incorrectly reporting. I have also disputed these late payments again but decided at this point to reach out to the CFPB because frankly I feel like I get told what I want to hear from Capital one to appease me then they don't follow through on their end. Can you help me get this rectified, in both of these situation 's I could have borrowed money from family to make this account current but didn't want to burden family with that request if I could have worked it out myself, and both times I THOUGHT I did the right thing only to still be dealing with incorrectly reporting late payments. I by no means have been perfect and have fallen behind on several occasions but I contact the creditor and try and work out good faith plans, i just wish I had have known they were still going to continue reporting this incorrectly before it happened so I could have made a different choice. I now feel mislead and Coerced into paying late, creating late fees and more income for the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received 2 alerts, one from XXXX  XXXX and one from Bank of America that these establishments pulled my credit. Bank of America did an inquiry on XX/XX/2022, XXXX XXXX did an inquiry on XX/XX/2022. I am not applying for any new credit so I believe someone is trying to open accounts in my name. I got the run around by both banks, transferring my to department after department until the last department said their offices are closed until Monday XX/XX/2022. I will contact the credit bureaus tomorrow, Monday XX/XX/2022 to file a dispute and possibly freeze my credit

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Company has reported same medical debt 5 times in credit report. I have contacted the original creditor who verified that only one amount is valid. This bill is attached. The collection agency has reported this debt identical times on all reports. I would like all duplicates and the original to be removed as the multiple false reporting is harming my credit and is a violation of the 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2023-09-30
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX I Charged {$78.00} for free XXXX pre-check fee. They will not re-imburse for this fee where I qualified for up to {$100.00} refund. They keep responding " we are unable to assist with the inquiry You book online at the priceline website using this visa card and they advertise XXXX rewards points. I have booked over {$1300.00} where they reroute the purchase through XXXX a " partner company '' and only pay XXXX points. Again they respond with we are unable to help with this inquiry. 

XX/XX/XXXX purchased a trip to XXXX for {$3100.00} on XXXX charges went thru XXXX on priceline XXXX points on XX/XX/XXXX and {$700.00} re-routed thru XXXX charges for XXXX XXXX XXXX  points XX/XX/XXXX XX/XX/XXXX purchased stays in XXXX XXXX XXXX  priceline with rewards visa and shows up as XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$190.00} XX/XX/XXXX all being re-routed thru XXXX at XXXX points They will not do anything about this stuff other than make you talk to a person for XXXX who can't speak understandable english and then send a note a week later saying " we are unable to assist 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 non-monetary relief