BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a validation of debt from Calvary SPV 1 LLC on XXXX citing U.S.C. 1692g Section 809 which requests the following The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the

30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. If, within the 30-day period, the consumer disputes in writing any portion of the debt or reque
sts the name and address of the original creditor, the collector must stop all collection efforts until he or she mails the consumer a copy of a judgment or verification of the debt, or the name and address of the original creditor, as applicable. 
Futhermore, they reported a new collections balance on XX/XX/ to XXXX, XXXX and XXXX. 

I received a response from them dated XX/XX/XXXX that they do not have this account in this possesion and it has been placed with a law firm which I have not bee contacted by nor have any information. Calvary SPV has said they can not investigate without specific information, which I am not sure what they are referencing. 

Futhermore they have been reporting a new collections balance every month which has been affecting my credit score but have not provided validity that I owe them this debt or signed a contract with them stating so. 

Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. 

Reported on XX/XX/ by Your total collections balance went up Total collections balance {$2100.00} You'll see this change reflected in your account when your credit profile is updated in30 days. 
Reported on XX/XX/ by Your account is 30 days or more past due Account Cavalry Portfolio Servic Account number XXXX Amount past due {$2100.00} Status Collection/Chargeoff Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Ct, XXXX See attached letter received from Calvary SPV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This account is over XXXX XXXX XXXX. BofA should of removed this account in XX/XX/XXXX per information on XXXX. I filed a dispute and now they said it would be removed 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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 & CARES Act, XXXX XXXX Account XXXX XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 


Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-24
Company: OPORTUN FINANCIAL CORPORATION
State: WI
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:
My account is up too date, all payments have been made, and I have bank records too indicate as such. 

Missed payments on my credit report is unacceptable and will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Harris & Harris , Ltd., requesting payment for a charge that I was not aware of. However, I sent a reply to them on XX/XX/XXXX, to provide me proof that this is my account. Instead, they send me another letter dated XX/XX/XXXX, indicating the amount owed. I do not recall doing business with them. I requested to provide me with the agreement and contract with my signature. In addition, XXXX  asked to validate of HIPAA contract with my signature and complete accounting of alleged debt that I do not recall. They continue to ignore my request. Now, there is another letter indicating the same bill without any validation I requested in my previous letter. They did receive my certified letter with a returned receipt. See below from the Postal Office Tracking information : XXXX XXXX XXXX XXXX XXXX. 

Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX  on XX/XX/XXXX, in XXXXXXXX XXXX XXXXXXXX. 
Delivered, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: Avant Holding Company, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have repeatedly requested to close my account with AVANT LLC and my requests has been ignored. This suspicious behavior is unacceptable!! I'm requesting to close my account and to overnight my government XXXX benefits to the address on file. Instead, AVANT IS DEMANDING TO REPLACE A LOST OR STOLEN DEBIT CARD THAT I DID NOT REQUEST. I WAS FORCED TO UPDATE THE APP WITH THIS BUT THE APP NEVER ACCEPTED MY password after XXXX attempts. Please see screenshots for proof. {$300.00} was PAID AND THE OTHER {$300.00} IS STILL PENDING ALMOST ANOTHER MONTH LATER PENDING TRANSACTIONS CAN STAY IN PENDING STATUS LEGALLY??? I WANT AND NEED MY FREAKING MONEY THIS IS ABSOLUTELY TORTURE!! I WAS I NEVER HEARD OF THIS DECEIVING INSTITUTION!! I also mistakenly sent my taxes to them and the representative was distracted with the wrong document and instead I needed help with my account. I repeatedly requested to not share my private information and I informed him that I sent the wrong attachment and had I not volunteered to share the representative wasn't going to be honest and tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: FIRST PORTFOLIO SERVICING INC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have called Total Visa credit card company to close my account and send a final bill. Instead they continue to keep it open to tack on additional fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Paramount GR Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
We bought a house back on XX/XX/2022 and were told we needed to take over the XXXX loan with GoodLeap. We asked many times for all the solar information as far as warranty, loan interest rate, term, and other details on the solar companies invloded. GoodLeap did not want to provide us ant information or documentation until we applied and got approved for the loan. At that point they said they would give us the information on the solar contract etc. We signed up with Goodleap and afterward asked for the warrenty information on the solar and interest rate on the loan. They then informed us they do not handle the warranty information for the other solar company that installed the solar panels and we had to get the information from them. We then found out the waranty could not tranfer to us even though goodleap said it could and that they would provide this information when we took over the loan. XXXX XXXX XXXX is the partner with GoodLeap. Good leap also changed the interest on us after we were approved to a higher rate saying we need to have the same rate as the past owners of the loan. We were not disclosed any of this information prior to us applying for the loan with Goodleap. I feel this information was withheld from us to get the loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: DISCOVER BANK
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:
On XX/XX/2022, Discover was notified via certified mail ( receipt attached ) of settlement in full offer for {$1000.00} for the account balance of {$4000.00}. The settlement agreement was if endorsed check was cashed/deposited ( receipt attached ), that the account would be deleted ( receipt attached ) with no derogatory items listed on the credit report. 

On XX/XX/2022, the endorsed check was deposited ( receipt attached ), and the account was not deleted, nor negative items removed from the credit report. 

On XX/XX/XXXX, the account was only updated to reflect the amount of {$1000.00} being paid toward the balance of {$4000.00} on the credit report. 

Discover has failed to uphold and adhere to the settlement agreement and if not updated as stated in the certified letter, suit will filed for the amount of {$1000.00} plus attorney and court fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I submitted a complaint against Trans Union about inaccurately reporting an account ( XXXX ) on my credit report. On XX/XX/2023 Trans Union sent me a response saying XXXX is now deleted from my credit report. Now as of XX/XX/2023 Trans Union is still reporting this false account on my credit report after claiming theyve deleted it. On XX/XX/2023 XXXX credit gave me a report of information stating Trans Union is still reporting the XXXX account on my credit report. This is a clear violation of the federally protected FCRA laws. According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ). 

THIS IS NOT AN OPPORTUNITY TO RE-INVESTIGATE ANY DISPUTE. 

I will provide documentation to support my claim of Trans Unions misconduct. 

Within 14 days of receiving this letter/complaint Trans Union must - ( 1 ) REMOVE THE ACCOUNT MENTIONED FROM CREDIT REPORT, & ( 2 ) SEND {$1000.00} CHECK TO XXXX XXXX FOR VIOLATING FCRA 15 USC MAKING TRANS UNION LIABLE TO ME FOR STATUTORY DAMAGES. If Trans Union fails to do so within 14 days of receiving this letter/complaint I will be filing a lawsuit against Trans Union for EVERY Fair Credit Reporting Act violation committed by Trans Union towards 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 2023-11-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Chase cashed a check ( already cashed by me at my bank ) to a thief I had already mobile deposited.

I am an account holder of XXXX XXXX XXXX. I mobile-deposited a check on XX/XX/2022. Over a month later, a thief stole this already deposited check. The thief went on to fraudulently cash this same, now invalid check at Chase Bank ( I am not an account holder at Chase ) on XX/XX/2022. Chase Bank did not take any action to recognize that the check had already been deposited ( and was clearly marked for Mobile Deposit ) and was invalid. Rather, Chase notified my bank who then deducted the amount cashed by the thief from my XXXX account. I have been working in good faith to recover this loss but has not experienced sufficient commitment from Chase to rectify the matter. Chase could have easily prevented this loss by practicing minimal levels of diligence to note that this check had already been deposited prior to the thiefs cashing and checking a form of identification prior to cashing the check. They failed and will not assist me in recovering these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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 XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX 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 an account 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other ITEMS that need to be DELETED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1500.00}.

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 non-monetary relief