BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY BANK OF AMERICA! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! BANK OF AMERICA IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

BANK OF AMERICA RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED BANK OF AMERICA OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY BANK OF AMERICA ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my Bank of America Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX XXXX XXXX XXXX XXXX  This is not mine.

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

8. Identity Theft XXXX  Account Number : XXXX  This is not mine.

9. Identity Theft XXXX  Account Number : XXXX* This is not mine.

10. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

11. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

12. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

13. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

14. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

15. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

16. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

17. Identity Theft XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  This is not mine.

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  This is not mine.

19. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

20. Identity Theft XXXX  XXXX XXXX XXXX XXXX  This is not mine.

21. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is not mine.

22. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine.

23. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.

24. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

25. Identity Theft XXXX XXXX XXXX XXXX XXXX This is not mine.

26. Identity Theft XXXX XXXX XXXX XXXX XXXX  This is not mine.

27. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, I respectfully requested to have these hard inquiries removed from Transunion credit file. These Hard inquiries are inaccurate and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The Hard inquiries are ( see Below ) The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/XXXX The following account is not mine XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXX XX/XX/XXXX The following account is not mine XXXX XXXX XXXXXX/XX/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 2017-06-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted over a year ago about this particular debt! I contacted debt collector at that time to get info on what debt was. The company only new the company they collected for so I contacted them about the debt. This company that I contacted did n't know anything about it, and they did n't even have my name on file! They told me to file fraud report with police and I did with   XXXX   XXXX   sheriff 's office. I had n't heard anymore until  X/X/ 17   when I received another letter from another collection agency wanting to collect for the same co. I again called the company who supposedly wanted money and again they showed no record of me and of coarse no money owed from me. This is showing up on my credit report and it is false, I am listed with collection agency for no reason.

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 2017-06-06
Company: BlueChip Financial
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
my last payment w as   XXXX    2016. I saw  a ad vertisement for help in paying your payday loan. I called them support advocacy  XXXX . They took over my  XXXX  payday loans and dicuss the matter to them. I paid  XXXX  every month for awhile. They called and told me I was done paying them.. I received a email last saturday that if I did not contact them I would have  XXXX  charges against me an d 1 was fraud 2 theft and 3 not payi ng back. They said they would ruin my record and the FBI would be contacting me.. I was told that not to worry because they took over my accounts and if they sue me they would be there for me. Can they really do this? Just want to know my rights. I wos told they were going to have warrant for my arrest they would like my job know what a bad person I am that they will fiel  XXXX  charges against me. That they will block my S.s number. They would file a law suit against me..I was unable to down load the e-mails but this company has the  2 e- mails I had received and I sent it to them.. I want you to contact them they are the ones in charge of my account. I want to put them involved but I do n't have anyone special there. They all help me out. thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-13
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: Was not notified of investigation status or results

Complaint:
Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my Experian report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my Experian report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX Experian - XXXX XXXX XXXX and 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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.

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 2017-06-06
Company: EQUIFAX, INC.
State: CO
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 credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

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 2021-11-13
Company: Advanced Resolution Services Inc.
State: DE
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 Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ).

For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022, my car lender : Honda Financial Services required me to pay a lump sum amount of " fees '' in order for the title to be release to me. I made a payment using my debit card in the amount of quoted amount for {$1200.00}. The customer service representative claimed that my title would be mailed to me in 2 weeks - but it could take up to 4 weeks.

After 6 weeks I had not received my title, I followed up with Honda in XXXX and customer service representative stated they had a glitch in their system which caused the title to not be sent. They explained they would submit a " ticket '' requesting the title be released, and to " allow 2 weeks ''.

I followed up with Honda in 4 weeks, XX/XX/2022, as I still had not received my title. The Honda representatives explained they had serving issue that caused the title to not be sent. They would submit a " ticket '' to have the title released. They promised that it would take 3-5 days to process, and I would have my title mailed.

Two weeks later, XX/XX/2022, I still have not received my title. I called the Honda call center and agent explained all other agents had not fulfilled " tickets as they should '' and that she would " submit another ticket '' to get my title released. 

It is going on 4 months since I paid off the fees, they required me to pay yet I have not received my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
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 submitted dispute letters to the 3 credit bureaus informing of inaccuracies on my credit report that continues to report negative which is impacting my scores in negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
All 3 credit reporting companies have not removed very old debt from my report ... I hired places to resolve this but to no avail .. all old debt is more than 7 yrs old and affecting my life ... thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: General Motors Financial Company, Inc.
State: AZ
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 have contacted gm financial numerous times about incorrect information on my credit report that their company is responsible for reporting. GM FINANCIAL IS REPORTING FALSE AND inaccurate information to the credit bureaus. GM financial is in violation of the Fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: CCF Intermediate Holdings LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Had several loans, very good standing. Trying to pay off loan early for several days but website doesn't allow access. Several phone calls... they transfer me to and then phone disconnects after XXXX minutes. No reply to my email either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good evening Bureau. More details I write in the letter attached below. I sent mail to Validate my debt. The collection company was responded sent me some documents. I asked them to clarify how to calculate the final amount of debt and I attached The Regulations z to them now they not responded. Because all the amount on my credit report are the big added up amount with the evidence to prove. If the Collection company not responded this time what is the next step? Referral to the last complaint that Bureau forward my complaint to the Creditor but the Creditor not responded can we do anything or anything can I get it in writing? I still have a trial court date with the Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BullCity financial is verifying a debt to the  XXXX  major credit reporting agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police report on file and sent them to the bureaus and the creditor yet they disregard and continue to cause me damages and harm my credit rating for something I 'm not responsible for. Seeking assistance from you to mediate and hopefully resolve this issue quickly and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company is reporting a debt to the credit reporting agencies for an alleged balance of {$130.00}. On  XXXX  I sent a letter to them requesting that they perform an investigation of the account and to send copy of any contractual agreements that they have on file validating that this is a valid debt and that they were either sold or assigned to this account. On  XXXX  I requested this information again because I had not yet received the requested documentation and yet again the company has failed to provide but has updated the reporting with the credit reporting agencies on  XXXX . This company is in violation of reporting an unverifiable debt to the credit reporting agencies, updating a reporting 60 days after the re-investigation and not providing supporting information and failing to notify me that this debt has expired the statute of limitations for my state of residence. I am requesting an immediate deletion of this item from each of the agencies in which it has been reported.

Company response to consumer: Closed with explanation