BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: MI
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:
Please remove this account from my credit report. The Balance is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00} The High Credit balance is incorrect. XXXX has it as {$13000.00} and Equifax has it as {$10000.00}. The Past Due amount is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00}. Please remove this account from my credit report, I would like my credit report to report accurate information only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: American Accounts & Advisers, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection agency is reporting my medical information without a HIPAA Authorization, which is a violation of my rights under the HIPAA LAW. If this matter isnt fixed immediately, Im ready and willing to seek litigation to clear this matter up for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please remove this account from my credit report. The Balance is incorrect. Transunion has it as {$14000.00} and XXXX has it as {$14000.00} The High Credit balance is incorrect. Transunion has it as {$13000.00} and XXXX has it as {$10000.00}. The Past Due amount is incorrect. Transunion has it as {$14000.00} and XXXX has it as {$14000.00}. Please remove this account from my credit report, I would like my credit report to report accurate information only.

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 2023-04-10
Company: EQUIFAX, INC.
State: CA
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
As a loyal Capital One customer I wanted to request accounts ending in XXXX be removed from all three credit Bureaus as a good will gesture I want to continue to bank with capital one and establish an loyal partnership but as such these XXXX accounts on my credit report are negatively hurting me and I need these to please be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, INC.
State: GA
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:
I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX | XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
the Hippa law as been violated as my medical information has been made public to my credit report agencies. This is a violation of my privacy.INCLUDED IN BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased a product from XXXX in the amount of {$750.00} on XX/XX/2015. The product came highly suspiciously, all the logos had stickers covering the product. Some of the products did not work. I then contacted the company for them to send out replacements. They said they would but first I had to provide evidence the product was not functional. They only made available an email address to send a video. Email is limited to XXXX attachment and I complained to the merchant. They ignored me so I initiated a credit card dispute. Bank of America was completely not a neutral party. First, they claim that the company not honoring the warranty does not apply to " Not As Described '' and so they refused to initiate a dispute. I finally got them to accept the dispute, but they did n't apply it how I said to. Then, later, they demanded that I prove the product was defective by getting a third party opinion written on letterhead. When I claimed this was not possible and instead made and upload a youtube video with proof they said they were not going to accept video evidence. Finally, they said that I had to pay the $ XXXX to ship the product back to XXXX and that as long as I had the product they were not going to do any more on the dispute process.

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 monetary relief
Consumer complaint received 2015-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For Over 30 months, I was enrolled in MHA program thru Bank of America loan service provider, with no offers of principal reduction. After 30 months with no other option our family had to short sale, and {$110000.00} in equity, investment and appreciation in the home was gone. MY justification for full restitution is supported by-TO receive bail-out money from the Federal Government, after securitizing, packaging, promoting, betting against and most of all profiting from fraudulent bogus mortgage backed securities, Bank of America AGREED to a " Servicer Participation Agreement '' with Treasury requiring it to, XXXX XXXX, use " reasonable efforts '' to " effectuate ANY modification of a mortgage loan under the XXXX HAMP XXXX. " This consideration owed the Government by BoA was in exchange for acommitment by the Government to provide BoA potentially XXXX taxpayer dollars for its promise and obligation to comprehensively provide HAMP screening for all homeowners serviced by BoA, to extend HAMP Trial Period Plan offers to all such eligible homeowners, AND, extend pennanen, HAMP modification, to ALL eligible homeowners whose mortgages it services. 

Case l : XXXX XXXX XXXX Filed XXXX/XXXX/11 XXXX XXXX of XXXX PagelD # : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-12-24
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:
Hello. For some time now, I have been going back and forth with XXXX, XXXX and Equifax about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, XXXX and Equifax to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: WELLS FARGO & COMPANY
State: CT
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:
Wells Fargo has not updated my account balance since my XXXX 2021.My {$16000.00}

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 2021-08-02
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX and XXXX are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX city tax liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and two tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also XXXX keeps reporting closed accounts negatively, and keeping negative items on my credit report more than 7 yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after 10 yrs of credit reporting

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 2017-03-24
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My wife and I both have Student Loans serviced by Fedloan Servicing ( XXXX, PA XXXX ) under the Public Service Loan Forgiveness ( PSLF ) program. We resubmitted our " Revised Pay As You Earn '' income-driven repayment plan. Fedloan Servicing made errors recalculating this payment resulting in our family being billed for a total of $ XXXX/month rather than the $ XXXX/month which it should be. We have been trying to get it fixed since XX/XX/2016. We have been making the higher payments to ensure our monthly payments keep us eligible for the PSLF. Today we spoke with XXXX, ID # XXXX, and she informed us that there was human error in our payments and we have been making payments higher than required since last summer. She said she is currently working on fixing our payment for next month. We asked her if the over-payments we have made can be refunded or applied to future payments. She stated this is not possible and if there is an issue with our payments we should have not payed our monthly bill. This seems outrageous to me since one of the rules for the PSLF program is to make your payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Capital Accounts, LLC
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CAPITAL XXXX TRYING TO COLLECT A DEBT I DO NOT OWE WAS NEVER SENT A BILL NEVER HAD SERVICES WITH XXXX .... ALSO XXXX XXXX COLLECTION FROM XXXX HOSPITAL NO KNOWLEDGE OF DEBT NO BILL HAVE N'T USED SERVICES FROM XXXX IN THE PAST 15 YEARS ON XXXX WITH HELP FROM XXXX ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Huntington Debt Holding LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to Huntington Debt Holding requesting specific information in regards to an account theyre reporting on my credit report and have yet to hear anything back in regards to that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: NAVY FEDERAL CREDIT UNION
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:
ON XX/XX/2021 i filed a CFPB complain with the complaint number XXXX because navy federal credit union reported a late payment which was in violation of the covid-19 forbearance program regulations fortunately navy federal corrected my credit report. This morning i woke up to another late payment being reported to the credit bureaus what pains me so much is i manage to gather money and pay off the remainder of the loan i was so relieved when i did that only a couple of days later for navy federal to report a late payment on the paid off loan i am really disgusted about this i thought navy federal treats their customers well i have told so many people about navy federal and how great this bank is only for this to happen to be today i am beyond disgusted with this bank. I have several products with this bank including a business account shame on you. I need the late payment removed from my credit report please immediately. you guys say your mission is to always put members first so prove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter through U.S. mail from First National Collection Bureau , Inc ( 1st letter i 've rec 'd ) stating i have a {$11000.00} debt. They are offering a XXXX % discount on that debt if i make XXXX payments of {$180.00} w/each payment within 30 days of the previous payment. They threaten that unless i notify them within 30 days of receiving the letter that i dispute the validity of the debt then they will " assume '' the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Notice two Derogatory accounts on my credit report from Wakefield and Associates so I sent the first letter to request for Validation with in 30 day of receiving the certified letter 30 days to investigate this information and during such time all collection activity must cease and desist. 30days later there was no response Next I sent a final letter and started this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 we deposited a check to Bank of America received from a business, a car dealership in which we had sold our vehicle too. That money was taken out of the business account within XXXX hours, per the business owner. BUT Bank of America is currently still holding this money until XX/XX/2022. 10 day hold on money they currently already verified and they already have in their " cloud '' ( what customer service told me ). 

They are currently making interest on money that should be in my account. How is it even legal to hold someone's money when the check has already cleared out of the business account?

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XXXX, each year I have so much trouble with the credit reporting agencys said because of XXXX Lacking customer service online services and no live customer service I have spent hours trying to navagate+dispute errors and recieve my free credit reports without haveing and forced to buy their credit moniotoring services to get my credit reports.I know XXXX did not raise my credit score at all while I repaired my credit from XXXX to current XXXX. XXXX has caused me undue stress, kept my scores down while other reports raised as bad debt was lifted.And offer a credit boost but does not have any of the credit unions I was a member at to utilize my monthly paid utilities on time.Plus I have never obtained one free or purchased credit report when ordered all they give is access to the web.Now I am in court with XXXX  XXXX XXXX XXXX when XXXX bought the debt and I was not allowed to dipute with XXXX at all from XXXX XXXX XXXX and now its XXXX and I am unable to dispute fraudulently created XXXX XXXXWith Transunion or any other reporting agency.Something like a third party attches to my access and keeps me from sumitting my requests. 

It has been a ridiculous time consumeing and to have to struggeled with XXXX XXXX XXXX XXXX XXXX. agencies forced to use their web sites. Then keep the consumer from logging in, from provideing statements kept from disputes kept from Security Freeze lifts ( he web sites are impossible to get a credit report mailed to your home address.I do not feel I should have to pay for my free annual credit report.Or have to find somewhere to print a pdf credit report I bought a home Last XXXX and MY credit scores never moved at all from XXXX  after I resolved multiple bad credit reports.My score stayed at XXXX while transunion sored to XXXX.And now I have fraud.I was notified by XXXX  XXXX my credit scores have been decreasing.Thru XXXX XXXX I saw someone opened a XXXX credit card.On the Transunion reporting site.I have not been able to submitt any statements or disputes due to Covid19 excuses and lack of customer service provision unless I write and wait 30 days is what it took me to aquire credit reports in XXXXand these credit reporting agencies hold consumers hostage and exspect them to buy a service from them to review or dispute and item. they carry on 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 non-monetary relief
Consumer complaint received 2015-07-08
Company: CONTRACT CALLERS INC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
They declined to remove fraudulent accounts.

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 2017-02-22
Company: General Motors Financial Company, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My account with GM has a XXXX balance and is paid off as of XXXX. Due to the was its being reported it is hurting my credit score greatly. It was opened in XXXX and was offered a settlement to pay the vehicle off in XXXX and accepted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE.

INITIAL DISPUTE XX/XX/2021

Company response to consumer: Closed with explanation