BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed account has been updated. 

XXXX XXXX XXXX XXXX XXXXXXXX Late Date 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 2022-07-30
Company: EQUIFAX, 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:
XXXX and Equifax are in violation of the FCRA. They are continuing to inaccurately report account # XXXX ( XXXX XXXX XXXX XXXX ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on XXXX and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: California Business Bureau, 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:
I paid for emergency services in accordance to my copay with health insurance at the time of service. I was told I paid my full amount. I didnt even know about this debt with California Business Bureau which is a colllections agency for the hospital. Ive communicated with with on five difference occasions asking for proof I owe this money, and I am continually provided nothing. They give me nothing. If I owed {$1000.00} I wouldnt have done the service. XXXX XXXX excused the debts to me and said I dont owe it. XXXX has provided nothing, ever, to show me I owe this money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Elevate Recoveries, LLC
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:
FCRA Violation student loans not mine U S DEPT OF XXXX U S DEPT OF ED/XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FCRA Violation inquiries not 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 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 explanation
Consumer complaint received 2022-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Letters dated XX/XX/2022 and XX/XX/2022 from Bank of America stated that I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX card. I did not apply for this card. The letters request that I remove the freeze that I have place on my credit report. I did reach out to Bank of America and informed them that I did not apply for this card. This is not the first time that this has happened to me and it is very concerning.

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 2022-08-03
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, FL XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ 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 2022-08-03
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: Account status incorrect

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus 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 XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ( XX/XX/2019 - XX/XX/2019 )

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 2022-12-11
Company: Navient Solutions, LLC.
State: OK
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, 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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under dn open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just moved to the XXXX XXXX area and was intersted in learning about a matchmaking service and went to an appointment with XXXX Invitations in XXXX. At the appointment I learned about the cost of the services which were excessive, they wanted over {$6000.00} for the service. Since then, I learned that they charge others only {$2000.00} for the same services ( I learned this from a match ). I told the company I could not afford the service they were trying to sell me. I was willing to try the services on a smaller scale. I agreed to a reduced cost for a reduced service plan of XXXX matches instead of XXXX. They charged my credit card {$2500.00}. They agreed to do XXXX matches for this amount. They have only done XXXX match since XXXX XXXX XXXX and are now sending a collection agency to collect on the original amount they wanted to charge me. If they have not been able to find the XXXX matches for the reduced contract, why would I pay for additional services. The communication with them has been horrible and they are deceptive and sell you what they are not able to achieve. 

I sent them a letter requesting a refund on the services and they have been stalling me and trying to set me up on matches but only one has been completed. I do not owe them {$3600.00} as they have not provided services for the {$2500.00} I paid. 

I have agreed to pay the {$2500.00} but need them to continue to provide the services that equal that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/2022 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 2022-12-11
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please note that the fields that i checked are not accurate. Because the problem I am having as a consumer relying on a PAYPAL BUYERS WARRANTY is not an option strangely enough. 

I have filed a claim for shoes that I ordered from XXXX that have not showed up now in more than two months!!! 

They have closed the claim and have reneged on giving me my promised warranty I of course would have never bought shoes from XXXX had I not had the confidence of a paypal warranty. The amount for the shoes is XXXX. There are also two other transaction that the same thing has happened. One for XXXX and another of XXXX. 
totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Atlanticus Services Corporation
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:
On XX/XX/2022 I went to the website I did a pre-qualification. It clearly says on the website that it will not affect my credit multiple places on the website because I read the terms and conditions and they ending up placing an hard inquiry on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I have had an issue where my wallets is lost or stolen and my cards was used without my knowledge to purchase items at an XXXX XXXX. I really dont understand how someone can use my actually card with the pin. I talk this situation with Robinhood and nothing was done about this transaction issue. This is unauthorized transaction and this is a very urgent matter I need my hard earn money. There was XXXX XXXX  transactions in the amount of {$1900.00} also in the amount {$2600.00} and last unauthorized transactions are {$2900.00} from Robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/22 I disputed the information through XXXX, XXXX & equifax on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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 U.S.C 1681. 

XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : 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 2022-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back toward the outset of Covid and the shelter in place orders, there were programs instituted to help us. Bank Of America freely started offering a Forbearance program for mortgage payments, which at the time were necessary to help most people. I know for us, our household income dropped precipitously and we, like many utilized this program. One of the companies I worked for, closed, while the other lost most of their work. Most businesses haven't recovered until recently, which is the case with mine. We were offered this solution happily by BofA and needed to utilize it. However way before the end of that 18 month program I started asking about what was going to happen to the deferred payments. Constantly I was told that they were going to be added to the end of the loan. Both for our Heloc and regular mortgage! Well at the end of the period we were told that WAS NOT the case and all the deferred payments were needed to be caught up on or we were subject to foreclosure!! The options were pretty much the standard ones with a 12 month repayment program which would put payments at 2.5 times the payment amount to keep current and catch up!! Impossible! We can/could keep up with regular payments if the forbearance was added to the end of the loan AS IT WAS REPRESENTED!!! We ae older adults and to qualify for their modification is not as easy because earning power for older adults is not the same. We were turned down for a mod although they are having us apply again since there is an increase in work for me BUT I am dubious AND IT SHOULDN '' T HAVE TO BE LIKE THIS!!! THEY SHOULD BE HELD TO THEIR WORD!!! Included is documentation to show the past due amount, 2 months extra than the actual forbearance because they quickly put us in foreclosure and would not allow payments!! TOTAL DECEPTION!! 

Also, there is a game they are playing with us trying to communicate in trying to keep up with communications. XXXX on the loan has authorized XXXX on multiple times and she has ALWAYS been authorized to speak on the loan but now there is always an excuse as to why the authorization letter is not approved. Usually centered on the signatures not matching, so as instructed a recent NOTARIZED updated signature was obtained and sent to BofA!! One division Heloc, approved authorization while main mortgage won't. Even though signatures do match. As they say TIME SENSITIVE but they keep throwing roadblocks in the way! Suspicious in my view!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX. 
This account has been paid in full. Late payments still report and loan still reports on credit report. 
XX/XX/2019, account has been paid in full. 
Amount of {$16000.00} Has been disputed previously before, but still reports on 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 2022-08-24
Company: Experian Information Solutions Inc.
State: IL
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 have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my 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 2022-12-07
Company: EQUIFAX, 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:
I reviewed my credit report and found grave error with XXXX, XXXX and Equifax reporting to my consumer report as late, missed or charged off, because of thus I am being discriminated against to extent my credit. Account are : XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX  XXXX, XXXX XXXX  XXXX are reporting as late or missed payments. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. These accounts are reporting as charged off, these accounts where never late or missed a payment I have repeatedly requested XXXX, XXXX and Equifax to validate these account and updated accounts.

Company response to consumer: Closed with explanation