BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a third party check into my account through an A.T.M machine at my financial institution Bank of America on XX/XX/2015 for the amount of XXXX {$.00} The receipt stated that there would be a two day hold on the check. I waited for three days and started to pay some bills trying to pay off credit card debt. Through the course of the day it was brought to my attention that my bank was not honoring or paying for any more transactions. Confused I looked at my account and saw that the large check deposited three days from that point had been " reversed ''. I called the bank and actually was able to talk to someone at the very store we bank at ( This has never happened before, in the past we are connected to someone in XXXX to try to resolve questions because no one at the bank answers the phone ). I asked the person answering to look into the matter and he told me that because it was a third party check and they usually do not accept third party checks that a COPY of the check was being sent to our house and only after we recieve the copy would we be in the position to " what action could take place from there ''. I waited three days and called the bank again asking them to look up and see when they sent the copy because I was incurring overdraft fees every day from them and I needed to rectify this situation. I was told that he did n't know when they sent it out but they had up to 10 days for it to arrive. I asked if I could come and get the check from them and was told no I could not because they no longer had access to it. This is our money, there is no dispute with the legitimacy of it and meanwhile because they are keeping the money that should be in my account I have over drafted and am getting hit with fees every day. Is there any way you can help me get this check so I can take it and open an account at another facility?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: OH
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 crime 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 a 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 non-monetary relief
Consumer complaint received 2022-05-22
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX  XXXX as the original creditor to XXXX and Equifax. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. I previously disputed this same Collection to XXXX regarding XXXX XXXX XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$2100.00} listing XXXX XXXX as the original creditor. XXXX removed the XXXX XXXX XXXX erroneous and inaccurate Collection account. I hereby further dispute XXXX XXXX XXXX  pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. XXXX XXXX  XXXX is not my creditor. I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file. Equifax failed to provide documentation concerning the accuracy being disputed. Equifax is in direct violations pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been writing XXXX XXXX this company because I have never heard of the original creditor, and know without question that if this debt was mine, it would be a minimum of 8 years old. However it gets sliced, it should not be on the credit report. In fact, on XX/XX/XXXX, both XXXX and XXXX  reported it had been removed, but XXXX  as of XX/XX/2020 still is reporting it as active. 

It very damaging, and very old. 

I keep sending letters asking both the company and bureau ( XXXX  ) to look into this. 

How can a company remove the listing off one report and not another. 

If you apply for a credit card, the bureaus all know about it in hours. Get an item to come off? Well that takes months.

This was removed XX/XX/XXXX. Why is it still being reported XX/XX/XXXX as valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: LEXISNEXIS
State: TX
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:
XXXX is reporting an UNVARIFIED Chapter XXXX bankruptcy on my credit report based on information that they received from a third party agency LexisNexis. Under the FCRA, XXXX XXXX Agencies XXXX Credit Bureaus XXXX must provide a copy of the verifiable original creditor documentation if it is requested properly by you the consumer. Since they can not provide proof of verification to you in the form of a physical contract document per your written request to do so the account is classified as UNVERIFIED and under the FCRA all UNVERIFIED accounts MUST BE DELETED. Whether the account is correct or not makes no difference. If the CRA can not provide you physical verification of the account it is an UNVERIFIED account and MUST BE DELETED. Per clerk of the court of the United States Bankruptcy XXXX XXXX And XXXX XXXX of Texas, they do NOT verify bankruptcies for anyone and that is indicated in the attached letter from the court. Companies such as LexisNexis and XXXX are considered third party verifications and NOT actual verifications from the court. Due to the fact that this bankruptcy has NOT and can not be verified via the ACTUAL court, I am requesting and demanding that this bankruptcy be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX  AGENCY : XXXX XXXX XXXX bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2022-05-22
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction

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 2015-03-31
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has filed a collection against my XXXX and XXXX credit reports for XXXX XXXX XXXX. I have not ever had services with this company and ask that this collection account be removed from all credit reporting agencies ASAP. I did not authorize any services with the company they are collecting for therefore this item needs to be removed,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: Carter-Young, Inc.
State: IN
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:
Carter-Young, Inc. trying to collect a debt from me by stating that I co-signed for XXXX. I did not co-signed for XXXX. Carter-Young is mistaken and I believe is confused between XXXX and XXXX. I co-signed for XXXX and XXXX paid all of his payments to The XXXX apartments for the contract that I co-signed. The Person I co-signed ( XXXX ) did not live at The XXXX apartment for the year of XXXX. XXXX lived from XX/XX/XXXX. The false proof that the Carter-Young is sending me by email is showing unpaid rent for the year of XXXX. Additionally, Carter-Young has not sent me their claim in writing ( by mail ) and their valid proof yet, although a request to send was made more than a month ago. Without claim in writing and Valid proof XXXX is showing a collection report filed in my name by Carter-Young.I have disputed this debt more than 3 times now and Carter-young illegally has put my name for collection.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX AGENCY : XXXX XXXX XXXX  bUSINESS TYPE : BANK CREDIT CARDS DATE OF INQUIRIY : XX/XX/2020 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had put in payment for PayPal through my bank XXXX XXXX however it wasn't paid. I am very upset to find that it wasn't paid and I paid for it immediately. I have been having problems with XXXX  XXXX XXXX  and I understand its COVID 19 and I have been paying on time with Paypal and they refuse to waive a one time fee for me as a good paying customer. 

I tried to explain with Paypal I just XXXX  my XXXX  because of the XXXX  XXXX related XXXX   XXXX  and they have not been compassionate to my needs.

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
Consumer complaint received 2016-10-05
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not believe the claim for {$1300.00} from : " CAPIO PARTNERS LLC '' or " XXXX / XXXX XXXX XXXX XXXX '' is legitimate. 

1. I received an invoice from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, dated XXXX/XXXX/XXXX is for services dated XXXX/XXXX/XXXX ( almost 6 years later ). See attachment # 1. 

2. I called XXXX ( XXXX/XXXX/XXXX ) and they referred me to you CAPIO PARTNERS. 

3. I called CAPIO ( XXXX/XXXX/XXXX ) and left a voicemail asking them to call me. 

4. I recently called my insurer, XXXX XXXX ( same insurer as service date in XXXX ). XXXX XXXX told me there were no claims filed for an ambulance, service date XXXX/XXXX/XXXX or for any other surrounding dates. XXXX XXXX also told me it was now too late to file a claim ( the 2-year window expired ). 

5. I recently discovered that XXXX / XXXX XXXX XXXX XXXX is affiliated with XXXX ( the invoice was for ambulance service ) .Apparently XXXX XXXX XXXX XXXX XXXX XXXX as a joint venture between Rural XXXX XXXX and ... See attachment # 2. 

6. Our local news station aired a segment criticizing XXXX XXXX for their billing ( lack thereof ) and their collection practices. See attachment # 3.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2022-05-22
Company: LEXISNEXIS
State: AL
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: Investigation took more than 30 days

Complaint:
LexisNexis was sent two disputes well over 30 days ago. They have filed at responding within 30 days, which violates the FCRA. The law requires a reasonable investigation within 30 days - if this is not completed the disputed information has to be deleted. I need a response and a deletion of the incorrect personal information listed in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
this company call my place of employment XXXX times a day it is always an automated system it states my name and continues to state this is a law firm attempting to collect a debt and it provides a number to call back, every time i call the number to find out who this is and why they are calling to my knowledge i do not owe any debts and never recived any notices of collection to my home or job.. i have never been able to speak to a live person the number they provide goes staright to a voicemail and asks me to leave a message and a call back number

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 2022-05-22
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX  DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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 2015-07-05
Company: ERC
State: CA
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:
In XXXX of 2009 I called XXXX and placed an order to provide/connect my home with DSL Internet Service. After ten days XXXX send their Tech Rep to my home, but he Could Not connect the DSL Internet, claiming that my home is not equipped with the proper jack and the cost to connect the service would be {$150.00}. I called ATT right away and told them that if they can not provide DSL Internet to my home then I am CANCELLING MY ORDER. They said that I still owe them {$55.00} which is the price/cost of one month of DSL Internet Service. How can I be BILLED for Service which I have NEVER HAD!? Could you please explain to me What I did Wrong in this situation and WHY do I owe {$55.00} to ATT? I would not agree to pay them even {$1.00} and would NEVER again order Any Services from ATT. Please let me know if you have any other questions. Thanks & Regards, XXXX

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 2022-05-22
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX AGENCY : XXXX XXXX / XXXX BUSINESS TYPE : BANK CREDIT CARD DATE OF INQUIRIY : XX/XX/XXXX, XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.

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