BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: MicroBilt / PRBC (formerly CL Verify)
State: NY
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:
MicroBilt at XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX, Attn : Consumer Affairs. 

XXXX account # XXXX i have no recolection of this account does not belong to me applied bank account # XXXX this account is paid settled in full i have included an letter stating a XXXX balance from the collection agancy XXXX XXXX  account # XXXX account is closed and reports XXXX balance on XXXX so the balance needs to report accurate on all companies XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me also its reporting twice as 2 tradelines not mine bridgcrest account # XXXX i have no recolection of this account does not belong to me XXXX XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me XXXX XXXX account # XXXX i have no recolection of this account does not belong to me FOR ALL OF THESE ACCOUNT I WANT DOCUMENTATION OF THE VALIDITY OF THESE ACCOUNT AND HOW THESE ACCOUNT WERE VERFIED. I WANT PROOF OF MY SIGNUTE FOR THESE ACCOUNTS AS I DO NOT RECALL HAVING ANY OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am disputing the validity of Transunion 's so called investigation.They have a responsibility to report 100 % valid information. Having negative information on my credit file affects me negatively.This account couldn't be validated by XXXX this same account was removed by XXXX. I submitted a screenshot of CFPB complaint XXXX the XXXX account removed by XXXX. I filed a CFPB complaint on Transunion to remove the XXXX they stated it was " validated ''. If the account is validated why have I yet to receive validation.I requested numerous times by mail.On the previous dispute as a stall tactic they responded in another language. I have received communication from Transunion in English only. This is grounds for immediate removal. I have attached screenshot showing removal of this same unvalidated account. I have also included the last letter sent to Transunion and their previous stall tactic response in another language.

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 2022-08-21
Company: Experian Information Solutions Inc.
State: FL
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 has knowingly furnished inaccurate information on my consumer report. Although proper dispute procedures were followed. The medical collection accounts are still being furnished in delinquent status despite me not validating the alleged information reported. Account XXXX XXXX has provided Experian with second hand information. Experian did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the XXXX accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to Experian for reporting purposes. Experians negligence have caused a grave error on my report. That has made it hard to extend credit as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and Experian refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness.

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 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was notified through a credit monitoring service that someone tried too open a credit card account in my name at Bank of America. I called and they stopped the account opening. I was told to call the next day to get a report of the incident. I was told that I had to fill out an affidavit, file a police report, and send multiple forms of ID just to get this report. 

They told me that there was nothing else they could do for me. The same thing happened to me at XXXX a month ago. They simply sent me a letter for my files stating what happened and that the account wasn't opened. 

I can't understand why this is not a minimal requirement for a credit card company in case of these incidents.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: NY
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:
Credit inquires I did not authorize were done without my consent

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 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had this Visa card ending in XXXX since 2003. Bank of America closed it. We are having some temporary financial issues. They will not do direct assistance for the short-term in-house. They " require '' you to go through a non-profit credit counseling agency. They have a special phone line set up to call about 5 different ones. They transfer you to that phone line, and whoever picks up first is your credit agency. They send you letters stating that you " pledged '' to go through credit counseling. I looked at XXXX XXXX XXXX. The web link Bank of America has ended in /bofa. So it's a referral link. The representative I spoke to about this told me that they knew how to contact places for help with food, living expenses, and utilities. I was even told they would help with the Homeowners Assistance Fund. I talked to them, none of that was done. They act like they care that your expenses are handled. However, they want to maximize the money you have left over to go to, only certain, credit card issuers. Which from research, are the ones who fund them, I'm sorry, donate. When I went through this call, I was told to use XXXX XXXX for lower gas prices, which in Oklahoma, there may be a XXXX cents. I was told to unplug my phone charger at night as it wastes electricity charging the phone after it's charged. It's a 1 Amp, 5 Watt USB charger, that only draws power when the phone needs it. Which would be about 1 hour at night. So XXXX hours at 0 Watt with 1 hour at 5 Watts, 10.2 cents per Kwh, this is .005 for an hour. So it's a questionable {$18.00} a year, to charge to 100 %. Nothing against XXXX, but BofA forced me to use a non-profit, that they own, sorry, " donate '' to. So they saved me {$5.00} in gas when accounting for the gas mileage of 12 gallons with 21 miles per gallon on average for a year. I really appreciated the counselor taking that time, but for a customer of 20 years, with no history of late payments, none, they close my account just because I'm having a slight temporary issue in my finances. I took the time to call all of my creditors for help. The very nice young woman I spoke with at BofA was the best! I'm not happy. Oh, this card has a 5 % + prime rate as the interest rate. They were dying to get rid of it. BofA has probably made close to {$100000.00} in fees and interest off of me. Who cares though, he is needing help for 6 months, oh due to a XXXX as well, which I did inform them of. Not to throw that card out, but it's true.

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 2022-08-21
Company: EQUIFAX, INC.
State: MN
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:
I went to XXXX XXXX XXXX XXXXXXXX in XXXX and when i enrolled in school i was told due to me receiving XXXX income i am not Intitle to pay back the Student loan, Now i filled taxes and the government has told me that they cant make me pay back off of low income base money and they said that there scamming me out out of money on my credit report that i do not owe i get all my taxes and never gets garnish so i know there lying plus i am XXXX XXXX XXXX so its not cool on what they are putting on my credit report. its fraudulent information please make them remove this scamming information off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Shellpoint Partners, LLC
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:
I am writing about Shellpoint Mortgage Services reporting my account to credit bureaus as delinquent during the conclusion of my Covid-related forbearance, while they were considering my loan for modification. 

My account should not have been reported delinquent. I followed every step correctly in the months leading up to the end of the forbearance period, asking repeatedly on calls and emails if I should end the forbearance early in order not to affect my credit. I was told to wait until the end of that period and that I would be given options on what to do at that time. 

It took about two months for Shellpoint to get me set up for the three-month period of reduced payments to see if I qualified for loan modification. Those three payment were made on time. Then it took another two months to receive the loan modification offer, which I was not satisfied with, so I ended up paying the full amount due and making my account current. 

The purpose of the Covid-related forbearance was supposed to be to allow people like myself, who lost most of their income during Covid, to have considerations that would NOT affect their credit. However, they reported my account delinquent even though I properly followed all the steps and was in constant communication to make sure that did not happen. 

Now I find myself wishing to sell my property and purchase another one, and I may have difficulty getting a mortgage due to the actions of Shellpoint. 

I have requested several times by phone and once in a faxed letter on XX/XX/2022, which they acknowledge receiving, that I want them to correct the information to show that my account was not delinquent during the time I was waiting for them to determine if I qualified for a modification, and then while I fulfilled the requirements for modification. 

Thank you for your assistance in getting this corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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 the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX. XXXX XXXX XXXX  XXXX Reference # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXeference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I went to XXXX XXXXXXXXXXXX XXXX XXXXXXXX in XXXX and when i enrolled in school i was told due to me receiving XXXX income i am not Intitle to pay back the Student loan, Now i filled taxes and the government has told me that they cant make me pay back off of low income base money and they said that there scamming me out out of money on my credit report that i do not owe i get all my taxes and never gets garnish so i know there lying plus i am XXXX XXXX XXXX so its not cool on what they are putting on my credit report. its fraudulent information please make them remove this scamming information off 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 explanation
Consumer complaint received 2022-08-21
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On my American Express XXXX XXXX credit card account I have a promotional XXXX XXXX XXXX for purchases that is good through XX/XX/22. On my XX/XX/22 statement I noticed under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$35.00}. On XX/XX/22 I called American Express customer service to inquire why there was an interest charge on the account given the existing promotional XXXX XXXX XXXX on the account. I was informed that this was interest on the XX/XX/22 XXXX XXXX XXXX charge of {$45.00} as this was not considered a purchase. I asked the representative that if I paid an amount on my account that day that covered the charge for the annual fee would that payment be applied to the highest interest rate balance as I understood was the legal requirement for consumer credit cards and therefore would interest accumulation on that amount stop after the payment was made. The representative indicated yes to my inquiries. So on XX/XX/22 I made a payment of {$50.00} to my AmEx account. However, on my XX/XX/22 statement on my account I noticed that there was under Interest Charged an item labelled Interest Charge on Purchases of {$0.00} and showed a Balance Subject to Interest Rate of {$36.00}. Both of these amounts were higher than on the XX/XX/22 statement though I had paid {$50.00} on XX/XX/22 to pay off the Balance Subject to Interest Rate and told my payment would go to this part of my balance first. Since I have talked to AmEx customer service and they have reversed both interest charges on my account. However, I am submitting this complaint because I would like to know if AmEx is following the legal requirements about how payments are to be applied on consumer credit card accounts. My experience in this situation leads me to believe that they are not. I would like an investigation into AmEx practices in regards to this and determination if they are complying with the relevant consumer financial protection rules and laws. I am not interested in a response to my personal situation as AmEx has reversed the interest charges. I want to know if the interest charges put on my account by AmEx were valid and legal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Collected debt protection funds but refused to allow use of debt protection amount and atfalsely claimed return of money. Name on account is in correct. XXXX XXXX XXXX filed XX/XX/2022 thru consumer finance pr

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: NC
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 did not authorize the following companies to do inquiries : 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 XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud

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 2022-06-22
Company: EQUIFAX, INC.
State: NC
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 did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX 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 XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 did not authorize the following companies to do inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX, XXXX Of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud

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 2022-06-22
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 @ XXXX XXXX  I received a phone call from someone by the name of XXXX XXXX who stated she was calling on behalf a GC Services in an attempt to collect on a debt. I informed XXXX XXXX I did not have any business with her or her company and could not give any further information until I was able to confirm on whose account was she calling. XXXX XXXX repeatedly asked for me to share private personal information which included my address and last 4 of my SSI #, I informed XXXX XXXX I was not comfortable with sharing that private information with a complete stranger. XXXX XXXX continued to attempt to get me to give her my private information and once she felt at a dead ended she had her supervisor to take over the call. XXXX XXXX XXXX stated he was the supervisor of that department I asked him what department was that, he stated he would not provide that information until I confirmed who I was, he again asked for my private home address and my last 4 of my XXXX. XXXX XXXX then attempted to play word games by stating he was not able to confirm I was the XXXX XXXX who he was attempting to contact although he called on my private number which is in my private name and is a private number. Upon asking XXXX XXXX what company he was calling for because I had no business accounts with his company, he refused to provide me with the name of the company that assigned the alleged account to GC Services.

Company response to consumer: Closed with non-monetary relief