BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my XXXX  have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( XXXX, XXXX and Experian ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # 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 2023-07-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I disputed with XXXX  and equifax to remove a account that is falsely being reported on my credit file, the account has wrong inaccurate information reporting and they refuse to remove it. It has been over 30 days and i have yet to hear back from these companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
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:
Seriously, this is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following items to be corrected or deleted ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My ID card and social security card also my XXXX XXXX  was stolen from my car and had been miss used to open chase bank account and other things such as unclaimed money and property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bill originally showed up as Comenity Bank, with no other information as proof of my actual purchase through XXXX XXXX XXXX  XXXX. Once I was able to confirm where the purchase was made, I confirmed with XXXX XXXX  that they could release the funds. XXXX XXXX  has confirmed that they did so & Comenity has not been able to locate the payment. They requested proof of payment in 3 different way, at 3 different times. They do not accept electronic communications so they only way to send anything to them it through the mail. Registered/signature reqt 's mail is not allowed. Every time they have requested one manner of proof, I send it. They then say that they have never received the former requested material and that in any case, that particulare material that they had previously reqtd as proof is not acceptable. I had a 3 way call between myself, XXXX XXXX  & Comenity which resulted in them saying they would send me a form to my email that should finalize the problem. I rec 'd the email, but the link did not work. After 6 months of trying to deal with them, at least a dozen hours on the phone, 3 mailings of requested information and more hang-ups ( when they say that they are transferring me to someone more senior ) from them that I can count. I feel that I have exhausted all options at this point & have even had one of their supposed managers tell me that I might want to get an attorney. They continue to call me multiple times a week & my bill has more than triple, which is of course affecting my credit score. Can this office help with this problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX  ACCOUNT # XXXX & # XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ; XXXX XXXX XXXX ACCOUNT XXXX XXXX & # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ; XXXX : ACCOUNT # XXXX ; 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: IN
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 sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and Equifax in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-05-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I am attempting to purchase my leased vehicle. My contract says I will pay the residual value plus {$300.00} fee plus sales tax. Nissan XXXX says they do not sell vehicles directly and I must go through a dealer to make the purchase. XXXX Nissan states they charge a {$690.00} doc fee for all purchases including lease buyouts but this is not in my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
please see my 2 previous 2 CFBP complaints which have never been resolved and I still do not know how my payments are being applied. this was to be a 15 year amortizing loan. It appears as though the CFPB is absolutely not help in this getting this straightened out. Who else do I go to? HUD? As a mortgage professional I expected the CFPB would assist in my complaint against Truist since they took over my HELOC from Suntrust. Complete disappointment in the CFPB complaint system. I thought it was there to give consumers protections and answers. 

complaint # XXXX complaint # 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 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
In XXXX of this year 2023, Bank of America decided to close my credit card, saying that it was a unilateral decision on their part. When I checked, they took away all my points earned in the rewards program that they offer, something that almost reached {$2000.00}. When I called on several occasions they told me that they could not do anything, since they had decided to close the card and the points were lost, I opened a claim and they answered the same thing, however they told me that I had to pay my credit card as much. as soon as possible so that it does not affect my finances, it seems to me that if I earn my points using the card as they say, it is not fair that they decide to keep the reward, however, as I said before, it must be fully complied with with the payment to them, I was finding out and investigating where I could complain until I managed to get this excellent page where I can leave my problem and I think you can help me

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 2023-09-26
Company: EQUIFAX, INC.
State: CA
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:
recently reviewed a credit report that is reporting unauthorized inquires that were not authorized by me as they are fraudulent I asked for them to be removed I called the credit reporting agency and they simply said they would not these inquired are negatively affecting my score the following are named and dated. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: NRA Group, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter to make note of a separate, yet more concerning violation of my consumer rights than the one I submitted earlier today. 

Another violation crossed yet again by " National Recovery Agency, '' which is beginning to make me question not only their motives and illegal practices with me, but also prey on the many other innocent, hard-working, law-abiding, honest, American 's who's only crime is being too busy to spend the time that I sure as heck don't have right now in putting an end to these phantom-like bullies who appear from nowhere until you're checking your credit report as usual to having a million questions with very few places to seek valid information in hopes not to walk into another scam from fraudsters like them...

This next deceitful trick from NRA is one they've only made known to me, and not the bureaus this time. The " supposed debt '' they shared with the bureas was {$1700.00}, but when I called to inquire, I was told to pay a higher amount of {$1800.00}, which was also shown in an email sent to me " per my request, '' which mysteriously ended up in my spam folder which only makes up about 1/100 the emails sent to me, as if it had been sent in a way to be flagged to stay under the radar to buy them more time which again, is not something I have ever had much time for until it's kept me up all night missing work, and now doing it all has literally made me ill... 

One other deceitful scheme that I'll mention to spare us all from another letter and to expidite the process in ultimately removing this invalid " debt '' as well as this crooked collections company from any further damages to me than they've done already is to state that just after reading the cheap response to my first letter, they updated and verified the bureaus in only an address update. Nothing else they stated they would do was reflected to the bureaus, and hidden very well in one bureaus updated report was that I agreed to pay the amount of {$1700.00} withing 1 month!!! I can't make this up!!! I never once stated, wrote, or typed any such accusations, and what would they do next if I didn't fulfill the promise they made on my behalf???

This has gotten entirely out of hand, and it needs to stop here and now. If my docter tells me that all of this sickness I'm starting to endure is due to the countless research and costly measures I've taken to make the 3 bureaus, CFPB, etc. aware of what companies like NRA are doing to me and others, then I won't be sending anymore letters. I've done all a common working man can do. It'll need to come from someone, because I can't live this way...

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 2023-05-05
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls at least once a day. I believe they're not allowed to call more than 7 times a week and I have received more than that which is considered harassment. I have received over 23 calls since the the XXXX of XXXX. Also I believe they can not call before XXXX and they have called before XXXX on XX/XX/XXXX. 
Dates and times of calls : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX and at XXXX XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX and at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX twice in a row XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2023-01-26
Company: Jim Bottin Enterprises, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from you for a collection effort from XXXX XXXX XXXX XXXX XXXX. We had been members in good standing for many years with XXXX XXXX. Please check with XXXX XXXX, or Anytime XXXX XXXX XXXX WI at XXXX to see how long we had been members of Anytime. A job transfer took us to XXXX, TN in XXXX of 2021, At that time we starting visiting the XXXX XXXX location. The then owner XXXX attempted to transfer our memberships from Wisconsin to her location in Tennessee. She was able to transfer mine with no problems, but deleted XXXX 's account somehow. We went around and around with XXXX, and XXXX XXXX. They were able to locate her account and did acknowledge she was a member in good standing, but they could not reinstate her for some reason. After numerous conversations with XXXX, the only solution was for XXXX to have to sign back up with her. This error had nothing to do with us, and having to re-up was a huge inconvenience for us. As my membership was moved over without any issues. We had been members with Anytime for years and had no issue with this. At no time were we told that we would be locked in to a membership. I was transferred again for my job. Had there been an XXXX XXXX in XXXX, XXXX  there would be no issue. As you can see by the attached documents I had tried numerous times to contact the gym XXXX, and the owners. There was never any response. Whenever we visited the gym regardless of time there was never anyone there to discuss leaving the gym with. It was only after we moved that I was able to get in touch with someone at the XXXX XXXX location. I explained the situation to XXXX, the new XXXX, sent him the attached and thought we were all good. Apparently XXXX, was no longer the owner, and there were numerous issues he was dealing with from the prior owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 Accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX ). XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX Rights Violations : 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 *According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. *They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. *Accounts has been deleted from TransUnion but still showing on my report for XXXX  and XXXX 

XXXXXXXX XXXX XXXX Account # XXXX XXXX date : XX/XX/XXXX. 

XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX date assigned. 

*Please Delete all accounts through out all of my credits report ( transunion, XXXX XXXX XXXX XXXX Due to accounts opened fraudulently, Ive included identity theft report along with this complaint for proof, Ive also filed police report.

I also want delete all inquiries that does not hold any open accounts as it may be fraudulent on TransUnion, 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 explanation