BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX I got many health problems but I don't remember what is this about there's two or three of this collection company trying to call every time they can I don't know where they get my information bit the was an old debtor from I don't remember much about XXXX of them after I couldn't pay they started to increase even double it up the amount that's why I tried to paid them but in most of the cases it was too much XXXX in was bad for everyone but they never cared that's what I remember about any of my old accounts that they are 15 or plus years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: DC
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 reports to Experian and the date of last payment ( according to XXXX ) is XXXX 2010.  Because it has been 7 years, these accounts should not be reproted to the bureaus. They also should not show on my report. Lastly, i have disputed these accounts becuase all of my student loans are public loans through the governmetn and have been being paid on time consistently. These XXXX accounts need to be removed! XXXX and XXXX has removed them as they saw the age of alleged accounts yet Experian still reports them. This negatively has impacted me when purchasing my home and car, and my auto insurance as well as my Federal Government Security clearance.

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 2017-06-02
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In   XXXX   XXXX    , I began contacting  XXXX  to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late.  XXXX  either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called  XXXX , the customer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  XXXX  " balance   XXXX   ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX     previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  XXXX  sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.  <P/> I was so exhausted dealing with  XXXX , and in disbelief that they would not correct/reverse the erroneous report { to the credit bureau s },  I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX    I was clearing out a box of documents to shred and came across the forbearance approval letter from  XXXX . Once again, I am hoping to correct this error to ensure that my  credit score is up dated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.

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 2017-06-02
Company: EQUIFAX, 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:
In spring XXXX, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other 19 accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX  I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
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:
In spring 2013, I began contacting XXXX to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. XXXX either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called XXXX, the customer service rep would tell me that my balance was XXXX. I received another round of calls/mailings offering assistance, called XXXX " balance XXXX ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind XXXX XXXX and XXXX XXXX XXXX previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however, XXXX sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus. <P/>I was so exhausted dealing with XXXX, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other XXXX accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over XXXX XXXX, I was clearing out a box of documents to shred and came across the forbearance approval letter from XXXX. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A girl from   XXXX   XXXX   XXXX   XXXX   by the name   XXXX   XXXX   approached my friend,  XXXX  on  XXXX  expressing interest in a sublease advertisement she had posted. She offered to pay a deposit amount of {$200.00} and asked for a Bank of America account number. Since my friend does n't have a Bank of America account, she asked if she could use my account to get the money. I agreed and provided my bank account number.  XXXX  ( the scammer ) then pretended to be me and made a false claim to Bank of America that she had deposited {$2000.00}. Bank of America provided a temporary credit of {$2000.00} without verifying the identity of the caller. The scammer then told me that she had deposited {$2000.00} instead of {$200.00} by mistake and asked me to transfer {$1900.00} back. Since I saw {$2000.00} credited to my account, I thought she had transferred the money and I transferred {$1900.00} back. The scammer made several claims the same day but Bank of America did n't raise any alarm or try to contact me on my registered number or email id to verify the claims until two days later. Further, the bank closed my account without providing me any notice when their investigations revealed they were fraudulent claims. I was n't informed about the reasons for the account closure in spite of repeated calls to their claims department. The bank officials were not willing to even talk when I visited the local branch in my town. I 'm also forced to pay the overdraft fees. I 'm being treated as a fraudster whereas I 'm the victim.

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 2017-04-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Summary : In the monthly statement ending XX/XX/XXXX, American Express charged me an interest amount that is XXXX times that of interest that I actually owe. 

Detail : In the preceding statement period, I paid off the minimum balance due ( {$35.00} ) before due data ( which was XX/XX/XXXX ) and the remaining statement balance ( {$670.00} ) a day after the due date ( on XX/XX/XXXX ). I have a promotional APR oXXXX XXXX XXXX till XX/XX/XXXX. Based on my calculation, the interest I am subjected to on my remaining statement balance is ( XXXX {$670.00} ) XXXX = {$0.00}. However, American Express charged me {$1.00}, an amount that is almost XXXX times that of what I actually owe. When I reached out to American Express about the issue, they said that I am wrong, that they calculated the interest amount correctly, and that this is how their " system '' calculates interest payments for everybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
i recieved four emails yesterday XX/XX/2022 about an account opened with BoA under a former name. I did not open a new 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 2022-04-26
Company: Experian Information Solutions Inc.
State: NV
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:
Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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. 

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 explanation
Consumer complaint received 2019-12-12
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Victim of identity theft personal information on dark web

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 2019-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019, I wrote a letter to Experian disputing information on my credit report. This is a letter that I sent to them. The item : Chapter XXXX US Bankruptcy Court, XXXX XXXX, TX, Reference # XXXX which I am disputing was not verified properly. On XX/XX/2019, I visited the United States Bankruptcy Court XXXX District of Texas, XXXX XXXX Division and met with clerk XXXX who reported that his office was never contacted by Experian or any of there representatives. The resulted information that Experian provided to me also had an incorrect address. The address provided by Experian was XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, TX XXXX. On XX/XX/XXXX, I received a letter from Experian stating that the information that is on my credit report is correct and that they will not change it. They told me that it was reported to them by XXXX XXXX and I attempted to contact them at XXXX with no luck.

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 2022-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Bank of America told me that in XXXX of XXXX their reporting to XXXX would be removed on the XXXX of XXXX. They have not removed it. This debt has been paid in full since I think XXXX. XXXX told me that Bank of America can remove but Bank of America refuses or says they can't depending on what person I talk to. This has gotten ridiculous and needs to be fixed.

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 2019-12-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold a large amount of art work which I have accumulated over the past 30 years. XXXX requires that I use Paypal for receiving money and the buyer deposited the money on XX/XX/XXXX. I have been trying to get the funds deposited to my Federal Credit Union since that date and Paypal is holding the money. I have sent all the requested documentation, was told the money would be released in 12 hours, and have just received an e-mail that the account in again on hold for the same reason as two weeks ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am submitting this complaint against SELECT PORTFOLIO SERVICING, INC, at   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , Utah   XXXX   for violation of the FDCPA and the Michigan Statue of Limitations to collect a debt.
<P/>
Select Portfolio claims to have acquired the servicing rights for a debt that was transferred from   XXXX   in  XX/XX/XXXX . Prio r to  XXXX  transferring that debt to SPS,  XXXX  had declared the loan to be in default. The alleged loan is past the statute of l imitations to collect a debt in Michigan and SPS continues to send me harassing letters on a loan that has a due date of  XX/XX/XXXX 
<P/>
SPS claims to be the servicer of a loan in my name when : a ) It has not participated in any servicing activity, can not produce any contract of the servicing terms between Select Servicing Portfolio and the alleged client that it claims to be servicing a loan for or produce any evidence that it paid any money on my behalf to any entity.
<P/><P/>
SELECT PORTFOLIO SERVICING INC, continues to take the following actions : a ) Threating to take my property unless I sell my home to a third party to release a SELECT PORTFOLIO SERVICNG, INC lien on my property when SELECT PORTFOLIO SERVICING, INC does not own any lien on my property.
<P/><P/>
SPS is not the servicer of any loan in my name, have not paid any property taxes, property insurance or mortgage on my behalf and continues to rely and make false, misleading and fraudulent statements concerning the alleged account in order to foreclose and defraud me of my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation