BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: MOHELA
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I traveled to XXXX, XXXX for dental work. I had an appointment at XXXX to XXXX XXXX XXXX at XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, and XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I took a taxi cab and arrived in front of the building around XXXX where the incident of theft happened. The taxi cab stole my phone, confiscated my XXXX XXXX, and gained access to my online banking to submit an unauthorized XXXX transfer to an XXXX XXXX phone number XXXX in the amount of {$3400.00}. My phone that was not in my possession at the time of unauthorized transfer, was an XXXX XXXX XXXX XXXX and the suspect is still using my phone. I have reported the serial number and IMEI in the police report. I've also reported this incident to the the FTC and FBI. 

I have explained to Bank of America what happened as the person who sent the XXXX transfer was not me. I did not receive any gift or services from an XXXX XXXX. Bank of America has failed to recognize this as an unauthorized transaction by theft or robbery outlined in Regulation E. BofA emailed me their decision and is not honoring my claim, see attachment. Please help me recover my funds. Reverse this unauthorized electronic funds transfer I did not give consent to.

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 2023-03-07
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2023-04-15
Company: EQUIFAX, INC.
State: IL
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 " XXXXXXXX XXXX  '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Genesis FS Card Services, Inc.
State: FL
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:
Mile Stone Credit Card has a website that doesnt accept online payments even though they advertise that they do. I tried numerous times to make payments and work with customer service. I missed 1 payment and they put it into collections. People need to be warned about this credit trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair Credit reporting Act XXXX  account number # 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. 
Have violated my rights. 15 usc 1681 section 602.8 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish my 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 2023-07-07
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:
Transunion won't remove negative items from my report, I called several times and provided documentations, yet I keep getting the same answer we verified but won't explain how. I was informed that Items will remain on my credit report for 7 years. Today I was informed that XXXX XXXX XXXX confirmed the account is accurate yet didn't provide proof no copies of the purchase contract that they legally own this debt or that's even mine. or copies of all the statement of the account. Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report that are 2 years old using pre written dispute letters. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge offs Bankruptcies. HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. XXXX XXXX XXXX ( NMLS ID : XXXX ) Per NMLS CONSOMER ACCESS there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. How long before a debt becomes uncollectible in California? four years The statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-13
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Desperately trying to fix my credit, as a college student with very little money. I ordered my credit reports and learned that I had collections that were being re-aged. I decided to contact the collection agencies for clarification on the date of last activity ( not validation and verification ). They were reluctant to assist me, I called the original creditors and I received the date of last activity. When I compared it what was written on my credit report I realized that the dates were off by years. Credence Resource Management insisted that the dates were correct despite having the date of activity from the original creditors. 

Credence Resource Management is the collection agency for XXXX now owned by XXXX. When I called XXXX I was told the last activity date when the Account Became Delinquent was XX/XX/XXXX. As evidence by the phone recording with XXXX, ( I live in a XXXX party consent state- New York ) XXXX However Credence Resource Management is reporting the last date of activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. According to Fair Credit Reporting Act { FCRA } If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years. I have never had a bankruptcy. 

CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Date Last Active : XX/XX/XXXX XX/XX/XXXX Recording According to the agent at XXXX in the recording she states at XXXX that the account was passed due for XXXX  days in the amount of {$460.00} since XX/XX/XXXX ( this is the date of last payment or the delinquent ). However Credence Resource Management has listed the date of last activity as XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. This is re-aging of the alleged debt and illegal according to Fair Credit Reporting Act { FCRA }, you must report the date of delinquency given to you by the CREDITOR FCRA 623 ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I would like for the credit reporting agencies to look over the pdf I attached to see items that should be deleted or disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: GA
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. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX Balance : {$30000.00}

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 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 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
incorrect personal information on 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 non-monetary relief
Consumer complaint received 2022-06-23
Company: Arco Collection Services LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX with Arco Collection Services in XXXX TN is harassing me. She has been calling me several times a day for weeks now, and I have called her back and told her to stop calling me. She has continued to harass me and has now escalated to involving my employer. She contacted them on XX/XX/22 and asked for my personal information and employment verification. When she was told she would need a signed consent for them to speak to her, she provided a forged document to them immediately, withon just a coyple minutes. My HR was so suspicious of it that they called me! She is also, as of today XX/XX/22, calling and harassing my coworkers, calling the line that is for our patients to call in and be helped on. She has refused on these calls tp my job to provide any information on who she is or why she is calling, but demands information about me. She has been asked to stop calling ( all of this on a recorded line ) and refuses to stop. This behavior is unprofessional, ILLEGAL, and not to mention alarming and cause for concern for her mental wellbeing. She is complained about in every comment or review of this company that I found today online, complaints, and there were tons. I have the email with the forged document attached, it was forwarded to me by my Human Resources dept.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRUIST FINANCIAL CORPORATION
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:
This is a correction from previous question. Even though I uploaded the correct statement I provided the wrong paid balance for XXXX statement. Correction is as follows. XXXX paid bankruptcy balance is listed as XXXX XXXX paid bankruptcy balance is listed as XXXX. How my Paid Bankruptcy balance decrease between XXXX and XXXX by 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 2023-10-03
Company: Leafy Financial, LLC
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:
Leafly financial is reporting an account. Dont know what leafly is or why they are reporting this account. Not mine my credit was compromised multiple times this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: OH
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 paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
State: MD
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:
The company use my information without my permission

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 2023-07-13
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-19
Company: WELLS FARGO & COMPANY
State: NJ
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:
WELLS FARGO DEALER SVCS refuses to delete an unverified unauthorized fraudulent account from 3 major credit Bureaus. I have disputed this account multiple time dating back to XX/XX/XXXX 
After contacting Wells Fargo it seems that this is a joint account. I informed them that I did not signed for a car and asked if they could show proof of me signing a contract and they have not provided it to this date. The loan account is {$53000.00}.

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account without warning and and I was paying my monthly payment on time every month. They further ruined my credit with a note that they closed the account. I called them and they could not give me an valid explanation other than they saw my other accounts and decided to close it. They dont know what arrangements u had with the other creditors and I was paying them as well. There was no reason to close it without my knowledge. They jacked the interest up and will send out a high penalty if not paid on the due date. I had to fight one of fees as well as twice they had to refund me for taking a double payment out of my account. 

In my checking account I was charged multiple fees in the past when they claimed XXXX was the new overdraft fee and they claim that particular transaction wasnt covered and I had to still pay 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