BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX and XXXX of 2021, I disputed there were several inaccuracies on my credit report with XXXX, TransUnion, and XXXX. 

The spelling of my name was wrong. 
The correct spelling of my name is XXXX XXXX. 
There were old and fraudulent addresses still on my credit report. 
My current address for the past 13 years is XXXX XXXX XXXX XXXX, XXXX FL XXXX There are several inquiries on my report in which I have no accounts with, or havent had in the past. 
And there are closed accounts that I agreed with the creditors to delete when paid.

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 2021-07-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I attempted to file an online dispute but Experian have blocked me from disputing inquires and other inaccuracies on my Experian online account. My only option was to mail in my dispute which I did. I received an alert today from Experian account via email and when I logged into my Experian account for the result 's from my dispute was not available to me instead the message on my account stated to call customer service or check my report for updates but there's no information on the results on my credit report. I spoke to five representative and I was continuously transfer to multiple representative and even hanged up on. The representative stated they can only read the results to me but can not remove the block on my online account for me to read the results online. I was told that the information was verified but I was deny access to see the result of the investigation for myself. Experian have blocked me from disputing online inaccuracies on some of my account online. Please assist me in getting the result 's of my dispute investigation. Experian should be able to determine how i receive the information. Below are the case number for the disputes. Thank you Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX. 


Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX XXXX Mon - Fri : 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 2021-07-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: AL
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are XXXX mortgage accounts that are reported to the XXXX credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those XXXX accounts where paid in full and the accounts were closed on XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those XXXX accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the XXXX credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to Transunion, XXXX XXXX XXXX and to this day they keep responding  that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to 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 2021-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attached is the response I received from Equifax on XX/XX/2021. I have sent them all the required documentation needed to request a dispute and I get a response stating they couldnt locate my file. There is erroneous information on my credit report that needs to be investigated immediately. I attached A copy of this account, as you can see Equifax is allowing the creditor, XXXX XXXX XXXX, to report inaccurately causing severe harm on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: TX
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 submitted a complaint to the agency attempting to collect on an unverified debt.

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 2022-05-01
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX, a federally protected consumer, and Im making this complaint against XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that they are trying to collect a debt that I owe to CALVARY SPV I, LLC. First, the name on the letter is wrong and not my legal name. Second, I have never signed a contract with CALVARY SPV I, LLC, so I am confused on how XXXX XXXX XXXX XXXX, which is a debt collector, is trying to collect a debt for another debt collector. I haven't even given XXXX XXXX XXXX XXXX any permission to use any of my identifying information to contact me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I am demanding a cease and desist of all illegal activity, any communication, and collection activity of this alleged debt until XXXX XXXX XXXX XXXX can provide me with sufficient documentary evidence, like a contract agreement with my signature that says I have any legal obligation to pay XXXX XXXX XXXX XXXX or CALVARY SPV I, LLC on this alleged debt. I have attached both a conditional cease and desist and debt validation documents to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Bonneville Billing and Collections
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 @ XXXX Bonneville collections called my work from XXXX and spoke with my coworkers at that time she broke the fdcpa third party Disclosure and told her she was calling to collect on a Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
in XXXX we ask bank of america to refinance our loan to get a lower mortgage payment banker by the name XXXX XXXX at bank of america was helping us got the mortgage down and bank of america dismissed him so i kept calling and calling till finally time went by and i became behind on my mortgage XXXX years total XXXX dollars no way we could catch that up if someone would have answered my call this would have not happened we filled bankruptcy in XXXX for this house there was no way we could get that kind of money the bankruptcy cleared the dept of this house was granted nothing but mortgage statements was sent to me from that point on i thought how are we going to pay that then they sent a loan modification we been paying for XXXX years i think its wrong the bankruptcy cleared us now were paying more than the dept we was cleared for that 's not fair bank of america knew the dept was cleared we did n't know we were bamboozled bank of america never sent anything pretaining to this house far as to leave or turn the house over to them we would have turned it over we did'n know the attorney said the house and dept was cleared we were not responsible. The payments were not recorded to the credit bureau either XXXX years.

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 2021-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
the following accounts appear on

my credit report, without any authorization, do not belong to me Identity Theft BK OF AMER Account Number : XXXX  This is not mine. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 2. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 3. Identity Theft BK OF AMER Account Number : XXXX  This is not mine. 4. Identity Theft XXXX  Account Number : XXXX  This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 6. Identity Theft XXXX  Account Number : XXXX  This is not mine. Identity Theft XXXX/XXXX  Account Number : XXXX  This is not mine. Identity Theft. Identity Theft XXXX  XXXX  Account Number : XXXX  This
is not mine.

.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: AZ
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 Name : XXXX XXXX XXXX, Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-17
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened an account on XX/XX/XXXX with a promotion for {$400.00}. Code XXXX. The promotion required a direct deposit of {$2500.00} and the bonus was to be credited XX/XX/XXXX. I have met the terms with an employer direct deposit and have not received the bonus as advertised. Please help rectify this situation and credit my account with the {$400.00} bonus as advertised. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Wrote credit bureau reporting fradulent credit inquiries and they were not removed. Sent certified mail on XXXX/XXXX/22. Responded with a letter stating what an inquiry was but did not remove the fradulent inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues. 

Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage. 

Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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: Card was charged for something you did not purchase with the card

Complaint:
Capital One refuses to credit my account ( now closed ) for fraudulent charges from XXXX dating from XX/XX/XXXX to XX/XX/XXXX. The contract with them promised {$0.00} liability for fraudulent charges. The amount of unauthorized transactions total {$2900.00}. I have called three times and each time they assured me the disputed transactions were credited, they were not. In addition, I wrote four times concerning the matter with documentation. They have not responded in any fashion. Case # XXXX. I 'll attach a list of disputed fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1691 XXXX  XXXX Account # XXXX have violated my rights. 

15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it XXXX concern : On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, I mailed TransUnion XXXX by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to investigate the issues that I have properly with the creditors. They 've also failed to provide me with factual and accurate information validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than TransUnion XXXX. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation