BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The agency has violated multiple FDCPA regulations. The entity which provided me no notice that a debt existed or that the debt was in collections and placed the debt on my credit XX/XX/2021 in the amount of {$370.00} in an attempt to have me pay an unknown debt without validation. When seeking validation of the debt the agency will not provide it and hangs up saying if I do not acknowledge the debt they will not assist me, in an attempt to reset the statute of limitations before even validating the debt in writing. The agency uses harsh collection methods which violate the rights of consumers and do not align with FDCPA guidelines. I have sent the consumer a letter of validation on XX/XX/2021 without response. The agency limits the options we have to resolve debts before financial and credit impact occurs in an attempt to get a fast payment agreement and reset statute of limitations on what ia an older, non-obligated debt outside the statute of limitations

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 2022-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please remove all fraud alerts and security alerts now!

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 2021-03-09
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent I to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  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.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

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 2022-04-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1861 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: JPMORGAN CHASE & CO.
State: MO
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:
After contacting the lender, Chase A/C # XXXX, and the attorney involved with the bankruptcy, XXXX XXXX at XXXX XXXX in XXXX, FL, I have located all of the paperwork necessary to correct the issue, yet neither of the above companies will file the correct paperwork to the credit bureaus to fix the problem. I have all of the additional paperwork that was sent to Chase that  they said they never received in order to put this loan onto my credit reports. Someone in either company made a mistake but I should not have to pay for this very costly mistake. <P/>My additional complaint ID is XXXX, this is NOT A DUPLICATE. Someone in one of the companies above made a mistake, and it is being taken out on me. I need this reported on my credit report, as this is my lifeline being a widowed mother of a XXXX XXXX. I expect this to be corrected by Chase, they have the proof of everything, but will not fix it. <P/>I have to purchase another vehicle soon, and this needs to be on my credit report showing the excellent payment history that I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX I called XXXX XXXX XXXX XXXX to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this 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 non-monetary relief
Consumer complaint received 2021-12-07
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: Their investigation did not fix an error on your report

Complaint:
This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
We tried to get a XXXX XXXX XXXX credit card but received notice that we were denied. Now XXXX  XXXX XXXX says we owe {$3000.00} on an account we dont have. We have not received any cards or anything from XXXX XXXXXXXX XXXX except the denial letter. This is on our credit reports but we have not had a credit card or a credit account to charge anything. We told them this but it is still showing as a bad debt on the credit report. We need this off our credit report because it is causing harm to the credit we are trying to get back to excellent. 
I have tried to find the letter stating we were not approved but if I find it I will forward to you.

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 2022-04-30
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:
I have tried rebuilding my credit so I pulled a credit report for all XXXX major credit bureaus and there is a credit card from XXXX XXXX XXXX that keeps showing up from a credit card company called XXXX XXXX. I have never ever applied for this card, received a card like this or opened up this account. I have disputed this account on all credit bureaus. They sent it to a collections agency and I explained this to them also and since then they have now changed the status to a charge off and now its reporting that I am currently delinquent. Noone will help me get this removed and its ruining my credit to the point where I cant rebuild and I am a spouse of a XXXX XXXX service member in the military. The collections company reporting this information is called XXXX XXXX that this account was sold to collect this debt in the amount of $ XXXX.When I called XXXX XXXX they tried to bribe into paying this debt and I refuse to pay a debt that is not mine. I believe I was a victim of identity theft because I did not open this account and I keep on disputing and every time I do they say this information is correct and it isn't. XXXX XXXX is the original creditor. I need help please getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: ALLIANT CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2021, received late pay and interest charge from Alliant Credit Union branded credit card. I called to complain not realizing that the credit card was not part of Alliant Credit Union, and was told that they have no record of autopay being setup, but refunded my late fee and interest charge. I immediately paid the bill in full via Alliant Credit Union website and made certain autopay was setup. Now, XX/XX/2021, I received a second late fee and interest charge, and was told this would likely go on my credit report. While talking to the credit card company again, I then realized that they were not directly part of Alliant and proceeded to call Alliant directly. Alliant stated that auto pay had dropped off last XXXX for some reason and were unsure why. In addition, they had no record of me paying the XXXX bill or setting up autopay online for a second time in XXXX and unless I had a screen shot, were not willing to guarantee this would come off my credit report ( I currently have a score of XXXX ) and were not willing to refund any of the penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17
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:
I noticed multiple accounts displayed on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
the following accounts were reported on my credit report without any authorization, please review them, it is hurting me : XXXX Account Number : XXXX This is not mine. 
BK OF XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
XXXX Account XXXX : XXXX This is not mine. 
XXXX 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 2022-04-30
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 fraud alerts or security freezes

Complaint:
please remove all fraud alerts and security alerts now!

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 2021-08-04
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: Was not notified of investigation status or results

Complaint:
I SENT IN LETTERS BUT GOT NO RESPONSE ON THE FOLLOWING : I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO 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 2017-07-03
Company: Experian Information Solutions 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:
Experian did not comply with the Fair Credit Reporting Act, Section 609 and 611, in regards to conducting a reasonable investigation of my dispute against inaccurate items on my credit file as well as sending me all files used by them to verify these accounts when I asked for them.
On XX/XX/XXXX, I obtained my credit file and noticed that Experian had accounts listed on it that were inaccurate. On XX/XX/XXXX, I sent, via USPS Certified Return Receipt, a dispute letter which also asked for the Method of Verification that they used for the accounts that were inaccurate and the files that they had which they used to verify these accounts. Experian received my dispute letter on XX/XX/XXXX, according to the USPS which I have proof of. Experian sent a letter back to me stating that they verified that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I sent another letter on XX/XX/XXXX, via USPS Certified Return Receipt, asking Experian how they verified that these accounts were mine and that they were accurate. Experian received this letter on XX/XX/XXXX which I have proof of. Experian once again sent me a letter stating that the disputed accounts belonged to me but did not send me their method of verifying these accounts. I am distressed that Experian continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The accounts I am referring to are : XXXX XXXX XXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>
XXXX XXXX XXXXXXXX XXXX # XXXX There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file. <P/>XXXX XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.

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 2022-04-30
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
DEBT WAS AROUND XXXX I WAS CALLED BY THE FBI THAT SOMEONE HAS ACCESS TO MY SOCIUAL SECURITY NUMBER AND THERE XXXX A XXXX HOUSE THAT HAD SEVERAL AUTO VEHICLES WITH PLATES REGISTERED WITH MY NAME AND SOCIAL SECURITY NUMBER IT WAS FOUND IN A XXXX XXXX IN TEXAS THEY TRIED TO LET HER KNOW WHAT WAS GOING ON SHORTLY THEREAFTER SHE WAS CONTACTED BY HER WORK THAT HER PAY WAS BEING GARNISHED AND TRIED TO CONTACT THE XXXX  TO SEE WHAT WAS GOING ON AND THEY WOULDNT TELL HER ABOUT THE DEBT SHE DOESNT OWN A CAR AND HAS NO CAR LOANS THAT SHE HAS TAKEN OUT IT WAS FRAUD BUT SHE WAS UNABLE TO INVESTIGATE IT BECAUSE SHE WAS POOR AND HAD NO RESOURCES SO SHE SPENT ALL OF THE HARD EARNED MONEY THAT SHE HAD TO FILE A BANKRUPTCY.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXXXXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines. 

XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines

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 2022-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
PLEASE REMOVE ALL FRAUD ALERTS AND REMOVE ALL SECURITY ALERTS NOW!

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 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My obligation to repay the money borrowed for my real property was not properly secured by a valid deed of trust because the document was notarized in XXXX XXXX and the money was borrowed in XXXX XXXX. XXXX XXXX XXXX has been continuing to collect the debt based on an acceleration by Bank of America which resulted in a non-judicial foreclosure. Acceleration and non judicial foreclosure are only permitted if there is a valid deed of trust recorded securing the interest of the lender in the property. I am attaching the first two pages of the deed of trust and the last page which is the acknowledgement page because the entire deed of trust is too large to upload. The statute of limitations has run on this unsecured debt as the last payment was made in 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 2022-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im locked out of my business account and Im not 100 % sure how to get back into it Bank of America business doesnt help

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