BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing this due to non-compliance with Experian. They have failed to conduct a timely and proper investigation of disputed accounts and their investigation has exceeded 30 days. They have not responded to my disputes from XX/XX/2020 or XX/XX/2020 where I requested method of verification. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This morning, I found out the following issue, by the email notice from XXXX. 

This morning I have realized that my subscription orders, which must have been paid by the credit card ending in XXXX, were mentioned by your company as void for payment. Since I. have already written to your company, which have happened recent illegal usage of credit cards, which issued by another bank in the United States, and credit card, which I tried to use yesterday for the transactions with your company, I wish you will investigate this matter seriously and make be possible to buy and have the business transactions safely and legally. Because I realized that one transaction, which I did last night with your company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX seemed to be charged correctly, I wish you will explain why this discrepancy existed. As I have stated the previous letter written yesterday, XX/XX/2023, I wish you will provide safely usable replacement card to me. I enclose the transaction history of your 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 2023-01-31
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the fraudulent inquiries that have been made on my credit report. I have never applied for any of the accounts listed. In addition, I have not authorized any person or company to access my credit report. This is a violation of 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.

I request that you investigate and remove any fraudulent inquiries from my credit report immediately.

Please provide me with written confirmation that this issue has been resolved. 

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 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 2023-09-19
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I placed a request on CashApp for a new card on XX/XX/23 at approximately. To avoid it taking 14 days to be shipped, I paid the {$15.00} to have the card shipped within 2-4 days due to me going back out of town for business. Due to their system problems, the system canceled my payment for {$15.00} and shipped the card stating it will take 14 days. I have talked to people claiming to be managers and when I refute their status and ask to verify management status, the employees would disconnect the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MN
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 has alleged that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30 days late, which is incorrect and now they changed the 30-day late reporting months to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is again incorrect. Please see below for the outline as proof as this is also based on XXXX actual statements provided to me, which clearly contradicts XXXX reporting to the credit bureaus. 
XX/XX/XXXX- {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XX/XX/XXXX/ XX/XX/XXXX {$260.00} Payment was made on XX/XX/XXXX, which is 10 Days Before the due date, not 30 Days Late. Furthermore, this payment included XXXX payment, which only made 19 days late, not 30 days late as noted on the credit bureaus. 
XX/XX/XXXX/ XX/XX/XXXX- {$210.00} payment was made on XX/XX/XXXX, which was 1 week before the due date and was not 30 days late. This also included XXXX payment, which was only 21 days late, not 30 days late as reported. There was also a payment of {$110.00} made on XX/XX/XXXX, which was posted on the exact due date was not 30 days late. 
XX/XX/XXXX Paid {$110.00} on XX/XX/XXXX, which was correctly applied to XXXX statement, However, {$110.00} payment made on XX/XX/XXXX was misapplied to XXXX and was supposed to be applied to XXXX, not XXXX. There was also a {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied that originated from the creditors and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediate and send a letter to me confirming the removal of the 30 day late notifications. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a loan to buy a new car in  XXXX  from  XXXX   XXXX   XXXX  and have been paying the loan on time as stipulated in the loan agreement. Recently I obtained my credit report in an effort to obtain a mortgage and it showed on my report that I have been late on my payments for that particular account. The report stated 60 days late payments for the following months  XXXX ,  XXXX ,  XXXX  and 30 days late payments for  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX . I have never been late on my payments so I contacted the credit union to have them correct my report. I received a letter from them stating that their reporting was accurate and the was nothing they could do therefore I contacted the credit reporting agency with proof of my timely payments. The credit agency contacted the credit union and now they changed the late payments for 30 days to  XXXX ,  XXXX  and 60 days late for  XXXX  and  XXXX . This was the report I received from the Credit Bureau Transunion.   I am not satisfied with this findings so I am contacting your office to help me resolve this issue and have  XXXX   XXXX   XXXX  take off all the late payments because I was never late.

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 2017-05-12
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wells Fargo  did not provide adequate verification for this debt question. No documents were provided showing my signature or contract

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 2020-03-23
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
So, I opened a money lion credit builder account. I paid of credit builder account early and was not given my escrow balance of XXXX dollars per the terms of the account. They first reported me late on credit then later reported me as paid. Very misleading. 

The company is named money lion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Nelnet, Inc.
State: FL
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 recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # Dept Of Education/Nelnet All XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: ProCollect, Inc.
State: MD
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 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this 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 explanation
Consumer complaint received 2017-05-12
Company: Navient Solutions, LLC.
State: MO
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 spoke with an agent fro m Navient student loan service  about my account   XXXX  -2017.The   agent stated that I sent back my income repayment forms on   XXXX -2017.I h ave not sent anything to Navient during  XXXX   2017.Navient  has gone as far as to fraudulently sign my name on documents which is a federal felony.The agent told me I sent documents back which I never received or sent.navient should not be allowed to collect student loans because of fraudulent activity.Navient is also not approving applicants for income based repayment plans.Everyone I have talked to has been denied no matter the  situation.Navient i s also not offer income based repayment plans to struggling single mothers and these practices and unfair discriminatory.Navient should be shut down immediately due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Chrysler Capital financial company is using illegal practice and fraud Pursuant to US code 5 1640 they attempted to take my vehicle after I had paid up this debt they sent out there repose company Hide and seek to repo my car on XX/XX/2023 at XXXX am Friday morning. And also put this on my credit report as charge off bad debt this is fraud and illegal practice I have not received a anything in mail that I owe them so now since I reported them to the CPBF they have become angry with me. I have been violated from day one I never received 15 US Code 1602 to rescind the agreement and I never was provided accurate information I was given false information under U.S code 1611 I am asking for all my money back down payment under code U.S 1605 down payment payment money and all my payment I have given Chrysler Financial alone with my title return to me free and clear. If failure to comply rescission will result in civil liability for fraud Pursuant to 15 U.S Code 5 1640

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On   XX/XX/XXXX  someone ide ntified as  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  (  XXXX , TX  XXXX  ) purchased some items on credit from  XXXX . On   XX/XX/XXXX , the same customer purchased an additional item. A single payment was made on  XX/XX/XXXX       In   XX/XX/XXXX   my  XXXX   cou sin began receiving past due notices and phone calls from  XXXX . She tried to explain that she has a similar ( but not identical ) name, a completely different address, does n't know the person who made the charges, and that she is n't responsible for the debt.     The debt has since been sold  to Portfolio Recovery Associates.      We have made repeated attempts to find out how this account was opened. We have sent documents showing my cousin has lived at the same address si nce  XX/XX/XXXX  and i t is not on  XXXX   XXXX   XXXX .      Portfolio Recovery Associates h as refused to supply any proof that this debt is my cousin 's and continues to call and send her notices. My cousin has   XXXX  and  XXXX   XXXX  , and is   XXXX   XXXX   by their refusal to prove anything regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a debt charge off reported on my credit report on behalf of  XXXX   XXXX  at  XXXX   XXXX  apartment complex. According to the complaint filed on the report I am delinquent payments totaling more than {$5000.00}. I moved from the above-mentioned apartment complex in  XXXX     2014 a nd was at the end of my lease term at that time, so I am unsure what the debt would be for. I have received no communication, written or otherwise, from either the apartment complex or the agency reporting the debt in that that three years so I given no opportunity to dispute the debt prior to it being reported as a charge off.

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 2019-10-08
Company: EQUIFAX, INC.
State: NC
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:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. 
I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my XXXX XXXX but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. 
I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. 
To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken.

Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process.

I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-10-23
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capitalaccounts LLC has called me way past the limits of harassment. On Friday XXXX XXXX XXXX  I received 5 calls. Every week day leading up to that its was XXXX  I have been trying to talk to these people but it is exhausting. I am in a marriage separation and going through some heavy life changes as well as some XXXX XXXX issues. This has caused my level of stress to effect my health. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fast forward a year or more, I get called by Capital accounts. My wife said our insurance said it was a coding error and medical office took acre of it. Calls from Capital continue and get more frequent as time passes. Wife, insurance, and medical office are not helping at all. I don't know whats right, I want to take care of dept if I owe but am very confused. The constant harassment by Capital has caused me to not sleep and have XXXX XXXX the past month. They have threaten that my credit score which is very good will be " destroyed '' and they try to close me on a payment plan and all met research says not to go there and to get help. This is my first attempt to get help. Thanks for your time.

Company response to consumer: Closed with explanation