BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: NJ
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 a XXXX survivor XXXX and can not handle anymore stress at all! 
I am a mother of XXXX XXXX XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXX I filed suit under XXXX XXXX XXXX XXXX XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost XXXX  in that car. It would come to a COMPLETE STOP at 60 and 55mph, XXXX XXXX   callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have XXXX cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n 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. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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 : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 explanation
Consumer complaint received 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I transferred my cable service from XXXX address to another with XXXX XXXX XXXX in XXXX 2015. The sent my old account to a collection agency even though I still have service with them. I have contacted them every week since XXXX to correct the error. I also told the collection agency that I still have an account with XXXX XXXX. I 'm still receiving call and notices from the collection agency and have paid the old account off with XXXX XXXX. I reviewed my credit report and the collection agency is reporting this balance as a collection with their company.

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 2022-05-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602A states I have the right to privacy and XXXX XXXX XXXX has violated this right to privacy. 
15 U.S.C 1681 Section 604A Subsection 2 also states that a consumer reporting agency can not furnish an account without my written instruction and I did not give this company permission written or otherwise to share my personal info with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 filed a dispute related to fraudulent activity being reported by TransUnion on XXXX XXXX, XXXX. They are showing an account that was charged off by XXXX XXXX XXXX. I received a response on XXXX XXXX, XXXX stating that the fraudulent activity was valid and Transunion refused to remove it. I called Transunion on XXXX XXXX, XXXX in order to attempt to reopen the investigation and was told by the representative that I would have to get a police report and letter from the creditor in order for them to remove the item from 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 2016-01-23
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I learned about this collection agency debt thru my credit report. I received absolutely no prior mail with notice to try to resolve any matter. I looked up the phone number and called them. The person I spoke to was extremely rude from the beginning! He was yelling over the phone and interrupting me before I finish speaking, then HE hung up on me! Very unprofessional and did n't even get anywhere because as I said, he hung up the phone. Did n't even give me his name. I sent them a letter to try and settle the account even tho I truly believed this account was already paid. ( It had previously been in my credit report along with others, I made payments to a collection agency and they removed them all including this same charge. So I thought it was paid ) I still have n't received a response. This is affecting my credit score very negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
In XXXX 2016 sent {$2000.00} to a receiver in XXXX using Western Union online service. On the due date the money was not available for receiver to pick up. XXXX WU for 3 consecutive days, and each time was assured money will be available for pick up either on due date or by the end of the day. The last associate helping me suggested to cancel the existing transaction, and to use a WU agent location to send money via their " money in minutes '' service. Which I did. The refund for the original transaction was supposed to take place within 7 to 10 business days. After two weeks had gone by, I did n't receive the refund, and contacted WU again. Over the course of the following month, I called regularly to inquire when and how I can receive my money back. I spoke with multiple agents and supervisors, and every time I was given a time by which the money would be returned to my account. I was promised multiple times that I would receive a call back, which only happened once. It took a month of regular calls and at least 8 hours worth of phone time ( total ) to finally speak with an operator that stated that WU was having " a computer glitch '' and that multiple customers have bee effected by it. He also assured me that a representative from their " offline department '' would contact me before the end of the day to see how I can be compensated for the time I 've spent on the phone trying to get my money refunded. That never happened. I finally received the refund. When trying to contact WU to see what they are planning to do in regards to time and aggravation it took for me to get the refund, I was offered a 50 % discount on my next transaction. Seeing that my usual transactions only cost {$10.00}, their offer equates to a {$5.00} compensation, which is hardly appropriate for the time invested in phone calls associated with this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07
Company: BARCLAYS BANK DELAWARE
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:
Received a notification from XXXX XXXX that there was a hard inquiry on my credit report. I later received a notice from Barclays regarding my application to a Visa card that I did not apply for requesting a copy of the front & back of my Drivers license, Social Security card and a current utility bill or bank statement. Obviously I did not send them anything as this appears to be a fraudulent application on my behalf.

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 2019-02-02
Company: Garrison Investment Group
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: Credit inquiries on your report that you don't recognize

Complaint:
During a recent review of my credit report, I noticed a credit inquiry by XXXX XXXX XXXX dated XX/XX/18 that I did not recognize. I contacted the company via certified mail which was signed and received by the company on XX/XX/18. The company replied back on XX/XX/18 reporting that they received an application for credit from XXXX by XXXX and verified the credit inquiry. I sent a second letter via certified mail to XXXX XXXX that was signed and received by the company on XX/XX/18. In the second letter, I again disputed the inquiry and requested their verification procedure. To date ( more than 60 days since my last communication and 90 days since my initial communication ), XXXX XXXX has not responded to my request for verification and have not noted my dispute on my credit profile, as required by law including for credit inquiries.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting my accounts as charged off and late even though the information is over XXXX years old. I requested that accounts be taken off my report, but to no avail. Additionally, I filed bankruptcy XXXX in 2010 and the accounts were discharged.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : 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 explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We recently closed on a $ XXXX HELOC with Bank of America in XX/XX/2020. Our credit terms include the promotional introductory discounted interest rate prime minus 1.51 %. We drew some funds from this line on XX/XX/XXXX {$98000.00} and {$2500.00} and XX/XX/XXXX {$50000.00}. The first billing cycle statement XX/XX/2020-XX/XX/2020 had the wrong interest rate and minimum payment terms -did not align with our loan document terms. We brought it to their attention via the online messaging center as well as via phone to the loan representative who sold us the line of credit. That is also after getting bounced around then was disconnected on their " help '' line. During that time we were advised to pay that higher " incorrect '' minimum amount and that later when they get to it, will make it right. There was plenty of back and forth of days after that it will get corrected and we have texts and phone records to show. Several weeks later via phone conversation and many hours wasted by both myself, and XXXX ( internally ) they verbally fixed it and the next statement will reflect the correct finance terms. I told them to apply the excess in that payment to the principal. The latest statement XX/XX/2020-XX/XX/2020 shows the wrong rate again and a higher minimum balance due. Backing into the math, it is nothing representative of the prime minus 1.51 %. On XX/XX/XXXX, I reached out to XXXX and told him it still hasn't been fixed by their HELOC department. I never heard back from him. On XX/XX/XXXX I submitted another inquiry to the online messaging center. I am forced to wait up to 5 days again to get any response. I also informed XXXX on XX/XX/XXXX via text that we have run out of patience and will be filing a complaint to the CFPB. XXXX seems to be trying from his end but internally runs into the same barriers as we do. 
We have experienced great HELOC relationships with other banks in the past, but this time around at BofA we have been treated so poorly.

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 2017-02-15
Company: Collection Specialists
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A person from collection specialist in XXXX Indiana called my home and spoke to my sister on XXXX/XXXX/17 around XXXX XXXX. The lady told my siste I owed some company {$95.00}. This person called my home number and for XXXX, apparently acting as if she was calling a friend. This person just started telling my sister that I owe some company money without explaining who she was or what company she worked for. After she disclosed what could be my private information to my family member she then stated she was with Collection Specialist of XXXX, Indiana.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: FL
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:
THIS PERSONAL INFORMATION ON MY EXPERIAN REPORT IN INACCURATE AND FRAUDULENT THE ADDRESS XXXX XXXX XXXX XXXX XXXX FL, XXXX IS NOT MINE AND DOES NOT BELONG TO ME I HAVE ATTACHED MY IDENTITY THEFT AFFIDAVIT

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 2016-12-18
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
At the time a " line was opened '' i was homeless i do have an older brother his XXXX now he had my papers and etc so he opened aline with out me knowing i was sleeping on sofas trains i havw proof of my homelessness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: Williams & Fudge, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by an attorneys office XXXX INC about a debt owed to XXXX University. This debt is not my debt. Also the monies owed were sent to this agency/office that has not provided details of the debt. I deserve details broken down of where this amount is generated from. Debt should be described in detail to the party that owes the debt. Not a one page letter sent showing only the amount in total. This amount could come from anywhere and anyone wanting someone like me to give them money. I am also filing complaints against XXXX University for reporting this information if they did in fact do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had an recent open collection with XXXX. I contacted Enhanced Recovery Company, LLC and told them that I want to pay collection amount in full which was {$160.00}. I provided them my debit card information an authorized to charge me the full amount owed. They provided me reference number as a transaction confirmation and told me that will update all credit report that collection paid. Instead they reported new collection account for XXXX XXXX that is more than 8 years old for amount {$380.00}. 

I never received single phone call nor letter from collector regarding this both collection accounts. I know under The Fair Credit Reporting Act debt collectors must notify in writing about attempt for collecting debt. They are not allowed to report a debt to credit agencies if it is more 4 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Between XXXX, Transunion, XXXX and XXXX XXXX my credit has gone down due to 2 payments of {$35.00} each and today one payment of {$41.00} it says on XXXX XXXX not made to XXXX. I havent even gotten my XXXX card yet. Ive called them twice before and again today. They claim to fix my balance and report that to the credit bureaus.but not has changed and Im fact gotten worse. My credit dropped XXXX points today with the reporting of {$41.00} by XXXX and in the comments even states that they havent received the first payment. Ive called XXXX and XXXX who both say they see no balance because one is not even due. Which would be correct since I have not received my first card on that account yet. But my credit score definitely dropped XXXX points because of it. I disputed it with Transunion and their investigation concluded that IT WAS VALID AND I AM RESPONSIBLE FOR THIS DEPT that according to XXXX does not exist. I know its confusing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 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 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