BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over XXXX each due to negative credit shown on my consumer report. Ive also had to consult with the XXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX XXXX breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.

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 2023-12-13
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX/ XXXX XXXX XXXX closed the location that I used to work out at. I have attempted to cancel this membership at least 5 times. Each time they take the information and commit to respond. They do not respond and another charge would appear. They have disconnected our phone calls several times after waiting on hold multiple times. I finally denied the bank charges after all these attempts of trying to cancel my membership, and now they say that I owe back membership dues. I have never been to the health club since they moved their location two plus years ago and they can see that in their records as my card has never been scanned. I paid and was patient after requests to cancel, and they never processed my request. I am entirely within my right to refuse further excessive payments and the amounts sent for collection are inaccurate and unfair. All requests for calls and contact with me should collection should cease and desist immediately. My credit should be restored and this collection effort should not be reflected on my credit report. It is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The Bank of Americas so called senior resolution specialist omitted the fact that their employees misled me on multiple fronts after they blocked my card for no reasons.

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 2023-12-07
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 2022-08-16
Company: EQUIFAX, INC.
State: MI
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX BANK XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes.

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Bankruptcy XX/XX/XXXX XXXX Docket ID : 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 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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.

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: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, 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 a 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 explanation
Consumer complaint received 2022-11-28
Company: Shellpoint Partners, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Following forbearance, due to two bouts of XXXX I contacted the lender on XX/XX/XXXX. and submitted all the required documentation for consideration of alternatives including modification.On XX/XX/XXXX I received word that my application was considered complete on XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming that my account was approved for a workout plan and that no additional documents were needed, however on XX/XX/XXXX I received a letter indicating that additional documents were need to complete the review. 
On XX/XX/XXXX I then received a letter that the file is complete and I have been approved for a workout plan, However on XXXX I received an additional letter indicating that after review my modification request was denied. 
Following several calls with my point of contact, I was told that a temporary repayment plan would be considered and I would have conformation in 7 to 10 days, that was the first week of XXXX. On XX/XX/XXXX I received approval. Same day I received notification that a sale date was set for XX/XX/XXXX and that I should reach out to the XXXX XXXX XXXX. I did complete the application with XXXX XXXX XXXX and received word on XX/XX/XXXX that I may be eligible for {$20000.00} in assistance however they would need to speak with my servicer as the outstanding balance exceeded the {$20000.00} Assistance Payment. 
On XX/XX/XXXX I reached out to my point of contact for an explanation for why I have had a Sale Date Set when I was obviously working to resolve. The history is very clear, and the mixed messages have made this very upsetting. On XX/XX/XXXX, I spoke with my point of contact who could not tell me why the sale date was set however she had requested a postponement and I would have a call within 5 days to confirm the postponement. As of today I have not received a call or confirmation in writing. 
As of today, the servicer has not responded to XXXX XXXX XXXX to work toward a resolution on how the {$20000.00} could be used to assist the mitigation options. On XX/XX/XXXX I provided a copy of the XXXX XXXX XXXX letter to both Loss Mitigation and my point of contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/22 XXXX transfer posted for XXXX. 
Called the company the payment was supposed to go tothey received nothing. I called Discover and realized it was sent to the wrong account. They filed a dispute. 

I resubmitted the balance transfer, triple checking that all information is correct. I called the company that was supposed to receive the payment againthey had received nothing. I called Discover backsent to the wrong account again. Now they wont file a dispute for a certain amount of time even though they clearly see its going to the wrong account. And no one can answer why they keep sending it to the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
Sent Letter Notification & Disputes in XX/XX/2022 and XX/XX/2022 to TRANSUNION. TRANSUNION is reporting ( XXXX ) Alleged Debt Collection amounts {$7100.00} ; {$920.00} from the same Alleged Debt Collector " XXXX XXXX XXXX '' ; Alleged Debt Collection Amount {$190.00} from XXXX XXXX XXXX and Alleged Debt Collection Amount {$230.00} from XXXX XXXXXXXX XXXX XXXX These accounts are inaccurate & fraudulent as I have never signed any contract to do business w/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; I never signed any contract nor did I provide permission for these companies to use my private information ; Congress has stated under federally protected law that I have a right to privacy. Since XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX fraudulently obtained by private information, TRANSUNION is also participating in this fraud by reporting my private information ; This is a form of Identity Theft and they are all implicated. 
I obtained my XXXX Credit Report currently stating ( XXXX ) Collections which factually provides proof of inaccurate information against TRANSUNION 's Credit Report. 
TRANSUNION has not provide their company 's Method of Verification and requested investigative consumer report as detailed in 15 USC 1681a ( e ) I have requested TRANSUNION to Block this Alleged Debt Collector Information per 15 US Code 1681c2 I have provided TRANSUNION notice they may be civilly liable for negligent noncompliance per 15 US Code 1681o SEE ATTACHED Letters that have been mailed and received via Certified Mail to TRANSUNION and their Registered Agent -- -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 non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2022-11-26
Company: SYNCHRONY FINANCIAL
State: CO
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:
A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. 

My concern is with Syncrony Bank. We had a Sam 's Club Card which was overseen by Syncrony Bank. We payed our debt off to Sam 's Club. We did not file bankruptcy on Syncrony Bank or Sam 's Club. We specifically stated to the Bankruptcy judge that we had payed the debt to Sam 's Club and Syncrony Bank. But our Credit card privileges were suspended. 

Syncrony Bank refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to Syncrony Bank yet they refuse to respond to our questions.

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 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Occupation : XXXX XXXX Account Type : Deposit/Savings Bank : Bank of America On XX/XX/2022 my cousin 's fiance called me stating that his account was put on hold by Bank of America because of the frequency in which he transfer money to my account. He had asked me to assist in getting monies to his fiance in XXXX because he isn't able to use the services of XXXX nor XXXX XXXX. Initially he used my XXXX XXXXXXXX XXXX ( USD $ savings account in XXXX ), International transfer, but the charges were excessive. I then proposed to him to send it to my BOA account and I will withdraw and pay over the equivalent in XXXX $ to her from my local account I still maintain in XXXX. 
On XX/XX/2022 I received a notification via BOA mobile App that my account was below the minimum limit I had set. I then checked my App and notice my balance was {$0.00} I immediately called XXXX provided for XXXX assistance. I was told that a note is on my account for me to contact the risk department. I contacted them via telephone. Upon checks made and verification of my account, I was told my account was closed and they aren't required to give me a reason and the balance in my account will be sent by cheque within 5-10 business days. 
I have limited number of payees in my account, namely : my mother and sister, both legal guardian of my XXXX XXXX daughter and both resides in XXXX, XXXX Also , my XXXX XXXX son 's mother who resides in XXXXXXXX XXXX 
All the above persons can be contact to verify my authenticity. As a valid customer for approximately five years with not even a traffic ticket on my record, I am very disappointed with the actions taken by Bank of America, one of the best financial institution in America without even doing any investigation. I am very certain this is a case on my nationality as a XXXX 
I'd appreciate a fair investigation of my case and the reinstatement of my 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 monetary relief