BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I used my bank of America XXXX credit card on XX/XX/2023. The limit is approximately {$200.00}. I spent {$58.00} and within 3 days Bank Of America reported it to XXXX. XXXX immediately decreased my XXXX XXXX XXXX points 3 days after using the credit card. Take into consideration I did not use half the credit card balance and they still decreased it. The question is are the credit bureaus suppose to decrease the XXXX XXXX after using your credit card. The card was not close to the limit. This is discrimination against a XXXX consumer.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. 
Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-11-11
Company: LJ Ross Associates
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/22 I call in a dispute to Experian about XXXX XXXX XXXX XXXX XXXX .I called and asked customer service I needed verification proof..the guy tells me theres no such thing and I have to talk to the collection agency bc the original creditor don't have anything to do with the debt..so I clearly asked him how did I get verified if they don't have anything to do with it.He then said the collection agency verified it.I asked, so you let the people that's tryin to get money from me verify my information? Again I asked him was there any kind of way to get the letter..he tells me no again.I then looked up the process why he was on the phone.I then proceeded to read him FCRA Section 611 ( a ) ( 6 ) ( 7 ) stating that i have that right.He then proceeds and hangs the phone up.Couldve been a disconnect so I calls back. Another guy gives me same story..so I starts off reading him the FCRA Section 611 ( a ) ( 6 ) ( 7 ) Phone hangs up again. They telling me theres no letter to write or request so I figured I'll dispute it here and that way they'll have no choice to respond with the truth..This is not my first time asking neither.Everytime they respond back they say something but never send me the verification process..they only say I been verified.I HAVE THE RIGHT TO KNOW HOW Not only that.they are violating My RIGHTS. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2. 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 items 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.So..CFPB could you please help me understand how they are getting away with this? They keep giving the same company draft excuse with no effort at investigating.

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 2023-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2022-09-08
Company: Bridgecrest Acceptance Corporation
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 XXXX XXXX XXXX XXXX XXXX Bridgecrest credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked multiple times for these companies to give me a copy of this debt and nothing was given to me I. Written. There is no record of me signing off on anything I have asked them to remove these debts off my credit report and they refuse to do so and it is impacting my life horrible. I am have called them wrote letters to these companies. And there has been no answer or reply to my letters or phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint is against Synchrony Bank according to your ruling : https : XXXX I opened a dispute on CareCredit/Synchrony Banks XXXX back XXXX XXXX against XXXX XXXX XXXX. I am attaching files that I submitted to them which are narratives of what happened as follows : CFPBXXXX # XXXX ( These are narratives of what happened divided up so they CFPBXXXX  # XXXX ( are small enough to attach. 
XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( XXXX # XXXX ( The dentist involved can be found with 3 different names : my XXXX appointment was with XXXX XXXX ( which is not now listed in the yellow pages ), XXXX XXXX XXXX ( which is the name my dispute with Synchrony Bank is for ), and XXXX XXXX XXXX ( which recently sent me a text saying I was due to schedule an appointment ). And, the insurance claims they submitted to XXXX is for XXXX XXXX. 

Im also attaching the following files that show all transactions from the beginning to XX/XX/XXXX. 

XXXX ( these are monthly Synchrony statements ) XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .XXXX XXXX ( XXXX ) .XXXX XXXX  ( XXXX ) .XXXX  The following files are print outs of Synchrony Banks All Activity summary. The activity is showing my 2 monthly payments, late charges and interest. 

XXXX XXXX The Explanation of Benefits showing what my insurance paid XXXX XXXX. 

XXXX XXXX ( XXXX ) .pdf I have been carrying this debt ( over {$5000.00} ) for 5 months and it has affected my credit score and my debt to income ratio. Im attaching a file ( XXXX ) that shows as of today, XX/XX/XXXX, a balance of {$5400.00}. They have zeroed the monthly payment again. That balance is for work they NEVER did because I chose not to go back to them. 

I have spent many, many hours on preparing and sending documents to CareCredit/Synchrony Bank and phone calls to CareCredit/Synchrony Banks XXXX department XXXX They are very non-responsive to disputes. I have also hired an attorney to help with this. I have already paid him over {$1700.00}. For about 2 weeks he made several calls to XXXX XXXX and left messages. They have been completely non-responsive. 

I believe Im sending enough information to get a complaint started. If CFPB needs more ( like emails etc ) just let me know.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: NJ
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/2XXXX 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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 2023-03-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Navy Federal opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
All three credit reporting agencies are reporting derogatory/inaccurate accounts on my consumer credit report. The accounts are listed as " charged off '' but I have never received a 1009C ( Cancellation of Debt form ) showing that the debt was cancelled. On XX/XX/2023, I reached out to each credit reporting agency regarding this matter, but nothing changed. The last date reported on some accounts are XX/XX/2023, so the inaccurate accounts have continued to be reported-even after the dispute. A couple of the accounts are showing the same account number but a different balance. I have copies of the letters that I sent to each credit reporting agency

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 2019-06-30
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was under the understanding that medical bills weren't supposed to go against credit I am on a limited income and told keybridge i couldn't pay amount they said needed. They act like it was my problem nothing else they would do about multiple accounts and a different amount acceptable to them

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 2023-11-10
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My situation is that every month I was fined late fees and interest charges by PNC Bank because auto pay was not working in spite of me having set it up and every month I called customer service and they guided me on the phone while I was online to set up recurring autopay. It never worked and I was fined multiple times by the bank for no fault of mine. 

After registering a complaint with CFPB, the bank finally fixed the issue with recurring autopay and now autopay works as stated, at least it has worked last month. 

While they have fixed the issue so it won't recur, they refused to refund me the fees that was charged due to the fault of the bank. 

Not only that, the bank refused to go over the recorded customer service phone calls in their possession which clearly show that I followed the process for payments as guided on the phone by their own agents who promised me the payments I made would go through ( but didn't eventually ) Credit Card ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: MOHELA
State: MD
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:
Prior to applying for PSLF, my loans were serviced by XXXX XXXX. On XX/XX/XXXX, my loans were transferred to MOHELA as a result of my PSLF application. On XX/XX/XXXX, MOHELA informed me by way of letter that my application for the PSLF waiver was approved, and that my loans had been forgiven. 

During the course of my repayment, I made XXXX payments. The total refund I received is {$22000.00}. {$22000.00} / {$450.00} ( my monthly loan payment amount ) = XXXX. Mohela is not reconciling my payment history correctly. I am owed XXXX payments as a function of basic math. My repeated requests for a refund of the remaining XXXX payments has gone unanswered as well as support for how Mohela determined I only made XXXX payments towards my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions 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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.

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 2022-09-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I not sure this was me, because I have did alot time in D.O.C..XXXX XXXX XXXXXXXX ... ..also I been locked up even this wasn't me at least work out a lower or settle for smaller payment ... .Thank you have nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went by the cable company that placed the accounts on my credit they told me that it did not mach my account information with them. But they couldn't do anything about it and I had to file a police report to say it was fraud. But the I don't know if it was fraud because the only info that matched mine was the name and birthday ( XX/XX/XXXX ). Everything else was different. This was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CORELOGIC INC
State: OH
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:
To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK 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