BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently received mail solicitations for filed lawsuits against me for debt that was never validated/ verified by XXXX XXXX XXXX . I received one phone call from a representative that stated they wanted to collect on a debt. I informed the individual that it was highly unlikely that I would be paying anything that I hadnt verified nor received anything in the mail. I was told to expect the mailing soon and I could then make payments. I told the individual that I didnt have the resources to make any payment that I am unemployed with XXXX XXXX and had recently lost everything in a flood. I never received anything from that company, call, letter, nothing but I received notice of a lawsuit. When I called last week, I was told that the accounts were closed but if I need to talk to someone, contact the attorney. Now, from my understanding as it is clearly noted on their website Consumer Bill of Rights, that collection activities are suspended and accounts are closed due to medical and financial hardships. They didnt provide proof that I owed them anything but I was upfront with them about my financial situation and illness and now Im being sued! There is no fairness and a whole lot of misrepresentation in those Bill of Rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was never aware that I had a Bank of America credit card until I signed up for XXXX. 

On XX/XX/21, I called Bank of America to verify that I did not have any opened account with them. Bank of America confirmed that they can not find any of my information in the system because I " never opened an account with the institution. '' I immediately filed an online dispute with XXXX. However, the results showed that Bank of America " reported the information has certified to XXXX that the information is accurate. '' Therefore, the account remained open on my credit report. 

On XX/XX/21, I filed another dispute. The representative helped with personal information update. I noticed an unfamiliar phone number " XXXX. '' The phone number was removed along with the Bank of America account. However, I'm still seeing the account as open on my credit report until this date. The account also shows a highest balance of {$1600.00}.

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 explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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:
I have filed a FTC report that includes all unauthorized inquiries that are not mine.

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 2023-07-19
Company: ALLY FINANCIAL INC.
State: PA
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:
Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. 

XXXXXXXX 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 2019-10-07
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My SunTrust Bank debit/ATM card was stolen on XX/XX/2019. I reported the theft of my card within hours of the theft on XX/XX/XXXX to the SunTrust Fraud Department. When I notified the SunTrust Fraud Department, I was told that my card had already been used on eight separate transactions totaling {$3200.00} on XX/XX/XXXX. SunTrust stated the bank would investigate this matter, and {$3200.00} would be deposited into my checking account within 10 working days from XX/XX/XXXX. However, I received a letter on XX/XX/2019 from SunTrust dated XX/XX/2019 denying my entire claim. The letter from SunTrust denying my claim is attached to this complaint. I was never contacted by SunTrust nor asked any questions before this final decision was reached to deny my claim. I was not informed why my claim was denied. At the time of the theft of my debit/ATM card, I had {$19000.00} in my checking account. The balance in my checking account had been over {$10000.00} for many months. I have been a SunTrust customer for many years with my payroll checks being deposited into my account every two weeks. I have been traumatized by the theft of my debit card, and now I feel I am being traumatized more by my own bank who refuses to stand by its fiduciary responsibility to protect my money on deposit with SunTrust. The Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) states that the maximum liability for unlawful transfers on  debit cards is {$50.00} OR the total amount of unauthorized transfers. SunTrust 's website gives customers assurances of the safety of their deposits with SunTrust. I have now discovered that SunTrust has many complaints filed with the Consumer Financial Protection Bureau. I hope this complaint aids other bank customers who may have experienced or are currently experiencing the same or similar problems with SunTrust 's broken promises to its customers and its failure of fiduciary responsibility.

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 2019-05-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) U.S Dept of ED Direct XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.

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 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I tried multiple times to have them help Me with my credit cards and they charged me off. Now I dont deseve this after 11 years of customer loyalty. I couldnt make the payments they asked of me and they charged me off. They destroyed my credit with the fees and now I cant do anytbing to provide a roof for my family because they require a credit check. They shouldnt have done this they shouldve worked with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX  CA XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-08-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called today to get the status of my Simplicity Citi card and spoke with XXXX, who instead of answer questions she repeatedly put me on hold and ended up transfer the call to a account manager ( XXXX ) who after ID ME instead of helping me and answer my questions of why my account was closed. She preferred to argue with me and start talking over me and dominate the call. I asked XXXX to please to focus on the real purpose of my call but she fail to listen and continue argue then finally I kindly asked her to lower her voice but she declined! **** " Sr, i been here for more than seven years, i know what i do ", she said, i told her that longevity at the job as AM don't give her any reason to degrade or talk someone down in a disrespectful way - The customer service experience was horrible!!!! 

My issue - account closed In my opinion Citicard in instead of making the attempt to contact me and let me know the return payments. CITI proceed and closed my account because three payments were returned. 

Citi, was always eager to close my account, i never experience nothing like this before and usually, when a client don't make payments for 30/60/120 the creditor close the account for non-payment or when is fraud but not something like this. Earlier this year I experienced some financial difficulties with work and my checking account was comprised for some few weeks but the problem is fixed with my bank. Citi never bother investigate INSTEAD, close my account left me in a bad place with my credit and now i will not be able to renew my car lease because a close account will appear on my CR. 

I fell, like CITI violated my consumer rights and look only after their interest also, my credit was damage unfairly ( close account ) and i need CITI to rectify this error immediately as well lowering the interest on my Simplicity card so, i can pay this account sooner and not be in debt with the company. It fells like CITI make his own rules and don't even disclosed the term and conditions to consumers. they always said " we sent you the disclosure " This fells like a trap or induce consumers and just signed CC and not verbally disclosing to consumers about their real conditions. Nobody in CITI care or disclose any conditions or i got a booklet about it. Even if they send it to me now it's too late, The damage was already done to my credit and i need some answers as well with compensation by lowering the interest rate.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the with fair credit reporting act XXXX  acount XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX mi XXXX Has violated my rights 15. u.s , c 1681 sections 602 A state i have the rights to privacy 15 u.s.c 1681 section 604 section 2 has also states a consumer reporting agency can not furnish a account without my written instuctions

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-01-07
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:
XXXX, Transunion, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give XXXX, Transunion, and XXXX 5 days to correct this matter.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
I am not aware of how these accounts were created or used. I never authorized the opening of these accounts. However, because of the appearance onto my credit report, my score has been decreasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Bread Financial Holdings, Inc.
State: NC
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 USC 1681 Section 602 : States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat ant on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following personal information is incorrect. 
Please remove it from my credit report. 

XXXX XXXX XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAPIO PARTNERS ADDED A COLLECTION ACCOUNT TO MY CREDIT REPORT ON XX/XX/2019 WITH THE ORIGINAL ACCOUNT BEING WITH " XXXX HOSPITAL ''. THIS DEBT IS NOT MINE, DOES NOT BELONG TO ME. 

CAPIO PARTNERS NEVER SENT ME ANY INFORMATION VIA MAIL THAT VALIDATED NOR NOTIFIED ME OF ANY DEBT. AFTER SENDING MULTIPLE LETTERS TO CAPIO PARTNERS ASKING FOR VALIDATION OF THE DEBT, I HAVE RECEIVED NO RESPONSE NOR ANY INFORMATION ABOUT THE DEBT OWED. 

THIS ACCOUNT IS NOT MINE AND CAN NOT BE VERIFIED. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AS THERE IS NO ACCURATE INFORMATION THAT HAS BEEN VERIFIED WHICH LINKS THIS ACCOUNT TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXl : # XXXX XXXX XXXXXXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been aware of the PSLF program since XXXX. I completed a degree through XXXX in XXXX so I could work in the medical field and take advantage of the loan forgiveness program. I have contacted my loan servicer, Nelnet, in XXXX to make repayment arrangements. I was suppose to be on the low income payment program as I was making $ 31k/year. I decided to go back to college in XXXX and completed a XXXX program. I called and spoke with a Nelnet representative concerned about repaying my previous loan and they informed me that my loans automatically go into deferment because I'm in school and that I wouldn't have to worry about paying while in school but didn't inform me that I could still have my previous loan under low income so payments will count towards loan forgiveness. In XXXX I called Nelnet to make a lump sum payment of $ 7k towards my loan XXXX. The representative suggested that I consolidate my loan but omitted to mention that consolidating my would would restart my old loan from XXXX again and I would miss 7 years of repayment! I called Nelnet again in XXXX to discuss what I needed to do do to apply for loan forgiveness as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The rep told me that I was never put on that program and that I would have to start all over again in loan payments!!!! They have charged me an additional $ 10K in interest towards my loan and no resolve to this! I'm still to this day unable to get them to help me and put me on the correct repayment plan! Their customer service is useless and they do not care about the borrower.

Company response to consumer: Closed with explanation