BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am WRITING to EXPRESS my EXTREME FRUSTRATION and ANGER about the account on my credit report that shows an INACCURACY. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$420.00}. Let me CLARIFY that this was due to an ERROR, and I DEMAND that you REMOVE this account from my credit report IMMEDIATELY. I already SUBMITTED a dispute to XXXX and XXXX regarding this issue, and they have ALREADY REMOVED it from their records. They FOUND an ERROR and were able to VERIFY it. I'm CONFUSED how you've VERIFIED this account while the other bureaus have ALREADY REMOVED it. Please DELETE this account from my file. It is INACCURATE, ERRONEOUS, INCOMPLETE, or UNVERIFIABLE. I was the VICTIM of this error, and I'm NOT SURE why the credit reporting agency is NOT COMPLYING with the law. The other bureaus have FOLLOWED SUIT. I'm VERY CONFUSED why this one seems to IGNORE my REQUESTS. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2019-03-11
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In 2017 I requested to have my cosigner removed from my loan. During my telephone conversation with the customer service rep, she advised I would need to make 12 consecutive on time payments in order to do so. This has been done but when I asked after the 12 months they informed me I will NOT be able to remove the cosigner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute on XXXX to NetSpend for charges that were made in la the same day I brought the remind you I stay and brought the card in XXXX Recently I had a XXXX and just got out the hospital I went to activate the the card they send u to d find out money has been taken from my account told NetSpend all of a sudden my card is closed never gave me a notice of account closure they say it's due to unusual transactions but I haven't used the card there is no transaction

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2023-07-17
Company: EQUIFAX, 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2019-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
So I dont really check my credit report, and recently after all the data breaches and what not that have been going on I finally looked into it. And what I've found was kind of shocking. 
On my open accounts from XXXX XXXX XXXX XXXX they have miss reported it on 3 different occasions. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on WELLFARGO CARD SER ( which is closed ) they have mistakes on there also XX/XX/XXXX and XX/XX/XXXX and I found an Iquire from XXXX XXXX XXXX showing a XX/XX/XXXX pull but Ive had this account over 2 years! 

I have never been late on paymets becuse they are auto paid i reached out the the lenders and they refused to fix the problem these late scores are hurting my credit. I didnt think I had to watch out for these shady practices. Please help

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 2023-07-07
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So several years back someone opened a XXXX XXXX credit card in my name supposedly someone used it in Ohio for XXXX dollars well I disputed it because they supposedly hit the card with several fees and maxed it out in just their charges. I asked for them to verification of there claim by providing me with true and certified copies ( NOT photocopies ) of the Deed of Assignment ( Not the Notice of Assignment ) and Deed of Novation. I also requested the name of the individual who is. the duly authorized representative from their company, who has seen the Original Note and is certifying these assignments as certified copies and that their company now has the Original Note ( Credit Agreement ) under penalty of perjury diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. They couldn't provide anything. So I disputed it with CFPB and it disappeared you guys resolved it. 

So over the past few years This Midland funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX kept popping up on my credit report claiming they are collecting the debt for XXXX XXXX I disputed it with all three credit bureaus asking them to remove it because this company is fraudulently collecting on a debt that was not mine about 2 years ago they popped back up on my credit report I disputed it again now they are publishing I owe them money on a debt that was proven not to be my several years ago The credit bureaus in full Knowledge of this are still allowing them to publish the debt I asked them to prove it is my debt Not my name not my social but buy the original not or deed or novation or at least by my original signature signed in blue ink and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested that verification be provided to me for credit inquiries that posted to my credit report. 


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 explanation
Consumer complaint received 2023-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Notice of insurance claim notice of FDIC insurance claim notice of interest notice of proceeds m notice of claim. Accounting of credits need to be updated and available, notice and demand

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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent Transunion my FTC Identity Theft report showing the inquires that where place on my credit file, that was not authorized by me. XXXX  and XXXX  where able to remove the inquires from there reports. TransUnion failed to look into this isssue. I sent a report, spoke to a representative via phone call to TransUnion who was unable to help me. remove these items from my credit report, even though I sent via certified mail all supporting documents needed. Also I'am requesting the removal of the fellowing Collection off my credit file due to Identiny Theft : XXXX XXXX Account Number : XXXX amount {$2700.00} ' I have sent in supporting documents to show errors and nothing has been removed or deleted. It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then XXXX that they have a signed original signature contract with this 3rd party collection compant XXXX XXXX $ XXXX have sentin supporting documents to show errors and nothing has been removed or deleted. It comes back verified I'am asking for a signed copy with my signature stating I have a contract with this company. XXXX  and XXXX  where able to delete and remove this company from there credit 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 explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a Bank of America credit card ( XX/XX/23 ) and had a balance of {$2300.00}. Using the app on my phone it made a pay-in-full instead of setting up a monthly auto pay amount accidentally. I called B.O.A. and they said they would refund the money back into my checking account at XXXX XXXX XXXX in XXXX, MA XXXX and it would take 3 months. Approximately 3 months passed and Bank of America sent me a bill for {$2300.00} and had CLOSED my B.O.A credit card account (!? ) AND the money never went into my checking account at XXXX XXXXXXXX XXXX, XXXX, MA XXXX. I tried several months and B.O.A. said it was in " ESCALATION ''. I went to a local B.O.A. branch and spoke with XXXX XXXX, VP, XXXX XXXX XXXX, XXXX, MA XXXX T : ( XXXX ) XXXX and he argued on my cell phone with the XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX T : XXXX about who's fault it is and who should take care of it. No one did anything and I received a letter from XXXX. it has been resolved but I still have not received the money. I closed the account at XXXX XXXX in case fraud compromised. I still have a balance with B.O.A. and my credit is being ruined.

Company response to consumer: In progress
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: CA
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:
I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter. 

XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In the Chase Banking app, they offer credit back promotions ( often referred to as Chase Offers ) in partnership with merchants. One of the offers that I saw tonight, which is offered with XXXX  website, is deceptive as it offers 15 % cash back or 30 % if you spend $ XXXX ; however, the offer stipulates the maximum cash back is {$16.00}. 

{$16.00}, the maximum one can earn, is 15 % of {$110.00}, which means the advertising gives a false impression that an increased cash back % is available at a higher spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

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 2021-01-27
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Financial credit network sent me a piece of paper 2 months ago indicating I have a debt placed with them through XXXX. No proof that it belongs to me. Can not get any verification except fir a piece of paper that is an invoice made in a barn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, 2022, I was having dinner with my wife and attempted to pay with my Chase credit card. Mind you this was in a rather crowded restaurant. The waiter returns saying that my credit card was declined. I paid with another card. Upon contacting Chase Credit Card services and inquiring about the decline ( considering that my account is in excellent status and have never had a problem with it ). The representative advised me that there was nothing the matter with my account and that the decline was ordered due to Chase requiring positive identification that I was the one making the purchase. This was infuriating to me, as I had mentioned, because I have never had a problem with any of my credit cards. I asked to be transfered to a supervisor and I made it perfectly clear to him that I had used this same card on a couple of other occassions on this same date and that I wanted a valid explanation as to why this transaction was declined. He said that it was because Chase was requiring positive identification. And that Chase was trying to " protect my account '' from fraud. In a polite manner, I told this man that he was lying. Chase ( or any other credit card company ), does not " protect '' their cardmembers. They are protecting themselves. As cardmembers in Texas are not liable for credit card fraud with the exception of {$50.00} I made it clear to this person that the matter was extremely upsetting and quite embarassing to me due to the location where I was at when this card was declined. My complaint to your office will consist of the following. If this was indeed a fraud decline, I am requesting from Chase Credit Cards services, a detailed number of other declines that were processed on this same date for this same reason. As I am accusing Chase of singling my account out specifically. If they are not able to present proof that other cardholders experienced this same process, then I request that the CFPB invesitgate the process by which Chase Credit Card services is abusing my rights as a cardholder by declining charges that I am able to make based on my excellent credit history with their company and with sufficient credit limit to make this charge. Again, I believe I was singled out unjustly in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

Company response to consumer: Closed with non-monetary relief