BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XXXX. Company received my dispute on XX/XX/XXXX, XXXX XXXX as it shows according to the certified mail. It is now XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, but I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I opened a secured credit card with Discover Bank in XXXX. Upon opening of the account an initial security deposit was placed to secure the account. 

Discover Bank closed the secured credit card account and failed to apply the initial security deposit to the outstanding balance on the account. This has resulted in fees, late charges, interest and other accruals with the account. 

The account was opened on XX/XX/XXXX with an account number of XXXX. The balance reported as of XX/XX/XXXX is a past due balance of {$390.00} when this account had an initial credit limit of {$200.00}. This account also included fraudulent charges made to the account which do not reflect the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My complaint is against XXXX XXXX XXXX.

They have been ask to place my account with XXXX XXXX  as in dispute. They have refused to do this. They want to here this from XXXX but I feel that I am their customer and they should serve me not the client that the claim is against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: NY
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 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.

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 2022-11-23
Company: EQUIFAX, INC.
State: CA
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 3 Credit Bureaus to fix 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 XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2023-01-15
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is so frustrating because you have these companies like PayPal charging and making huge money but seemingly refuse to deal with even the smallest of details, details that are core to why people use them and are supposed to have confidence in which I'm referring to consumer protection features they boast about! The first complaint was about a flaw in their system regarding filing a claim and no doubt they did nothing to correct it. That situation was over returning a product and now I have returned the product, did everything I was supposed to do and within the proper timeframes ... PayPal closed the matter indicating I did not respond on time but XXXX, on XXXX I got a notice that hadn't provided tracking information but I have an email from PayPal on XX/XX/XXXX stating, 'thank you for providing the tracking information ... ' ( email provided ). On XXXX I sent a message that I had provided the tracking information, no response. On XX/XX/XXXX I got a message that the case was closed but without a refund. In fact, the item was delivered to the seller on XX/XX/XXXX but yet still no refund and PayPal has done nothing, even acknowledged they had the information...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
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:
This account is not mine : XXXX XXXXXXXX XXXX XXXXXXXX ). I formally requested additional documentation under the Fair Debt Collection Practices Act ; I didnt get that. I asked to provide the following within 30 days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt. I didnt get that A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt. I didnt get that Your license and credentials to collect debts in GEORGIA XXXX I didnt get that Written notice of my rights to dispute the validity of this debt within 15 days under the FDCPA. I was expecting this requested information to be provided in full, but I didnt get nothing. How did you verify that it belongs to me with no proof? Please DELETE THIS ACCOUNT OFF MY REPORT. Also send physical copies of all documents to my address below. I look forward to your response within 15 days as required by law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Account status incorrect

Complaint:
An online account was created with XXXX and paid upon closure. 

XXXX went as far as to provide a direct deposit for the remaining balance due upon closure. 

This account has been reported inaccurately as a charged off/write off for a bad debt that is invalid in the amount of {$150.00} and I request the formal validation of all tradelines associated with this account via mail.

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 2023-06-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe my loan is an FHA loan, but I can not find any information on that. 

My loan, which I have had since XXXX, has been transferred 3 times in the last 2 years. 

Each time, the new mortgage holder adds insurance ( escrow ) to my loan, which I have never had since the start of my loan. I have provided them all with proof of insurance, several times, however, they refuse to do anything about the insurance they have already deducted. My loan clearly states I can only be charged escrow if I do not have insurance. Again, I have given them proof several times. 

The issue began with XXXX XXXX XXXX when I put my loan into forbearance for COVID-19. I sent them letters, called, with no help. 

Due to each of these companies adding insurance to my loan, when they had proof I had insurance, by loan principal balance is at least {$1000.00} more than it should be had the payments been properly applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I was hospitalized for XXXX during the time earlier this year. I have contacted Nordstrom to ask for a reconsideration of the late payment being annotated on my account due to my situation. Nordstrom has stated they do not correct any issues that are reported on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
Hello there, I hope this message finds you well. I'm reaching out because my rights to privacy under 15 USC 1681 have been violated XXXX times. I have not given Experian written permission to furnish these accounts/ inquires on my credit report. 



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

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 2021-10-29
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: ALCHRO 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 have absolutely no knowledge of this account and im seeking validation of ACCT # XXXX {$560.00} its not mine

Company response to consumer: Untimely response
Consumer complaint received 2022-09-12
Company: Credit Karma, LLC
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit Karma e-mailed me on 3 separate occasions telling me that my approvals odds were excellent for getting a personal loan and a new credit card. I applied to 3 different places for a personal loan that they recommended and said I had outstanding approval odds and got denied by all 3. I also applied to a credit card that they said I had outstanding approval odds for and again got denied. This has affected my credit score to drop because of them lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: MN
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:
After recently being denied a loan, I decided to download my credit report and noticed some inaccuracies. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
These inaccuracies are stopping from the ability to obtain new lines of credit.

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 2023-04-05
Company: LEXISNEXIS
State: GA
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 has displayed unethical behavior and acted unconscionably arbitrarily posting reaged bankruptcy dates reported on my consumer file XXXX stated that the source reported the the bankruptcy is the court which is deceptive I verified this with the court and that advised they are not a furnisher and did not report to XXXX XXXX reported not responsible for the misuse of my personal information reported on my credit reports XXXX and XXXX acted expeditiously to correct the wrong. 
XXXX is stalling despite I also sent letter with all necessary verification via USPS and received the green cards of correspondence received by XXXX. 
This has dropped my score and cause me harm to only have risk based apr over 28 % and less access to credit. I served this country and this is the insult I received. 
Affected my opportunity for XXXX 's promotion and to purchase autombile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The listed false information on my credit report has to be investigated, amended, or completely updated : 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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX of 2023 I opened a business savings/checking account with Bank of America . The customer service representative advised that if I open the XXXX accounts and maintain a balance of more than {$1500.00} in my checking, I will not pay maintenance fees. I never really viewed my savings account and maintained over a {$100.00} balance in order not to be charged a maintenance fee as I was advised by the service adviser. When I recently checked my savings statements, I saw that they were withdrawing {$10.00} dollar maintenance fee every month, even though they promised that they would not. I went to the bank and they said they will adjust the fees back to my account and will refund all of it back in few days. I went to check the account and they only refund me {$10.00} for one month only and when I inquired about the rest of the fees to be refunded, they said they will not and thats based on their decision. I feel that they took advantage of me and lied to me at the inception of when I opened my account with 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 monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Creditor Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I just received my report and I think its wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be investigated. Please make sure everything pertaining to my credit report is correct. 
I have two accounts open and have only one account number, XXXX balance {$4900.00}, account number 2 is {$15000.00}. 
I have already paid off my student loan debt though my over XXXX XXXX XXXX XXXX in the XXXX XXXX. The XXXX XXXX by contract with me under the Student Loan Repayment Program, I signed XXXX XX/XX/XXXX. The debt was paid by the XXXX on or about XXXX. I paid taxes in XXXX for earned income credit when XXXX XXXX paid off student loan debt. I didnt receive any correspondence about my student loans until on or about XXXX. 
I have asked XXXX and the others before it was bought ( several times ) out to clarify and validate the following on all open/closed accounts. I have never received any specific correspondence in any regards to the accounts reporting to the credit bureaus. 
I have asked repeatedly for XXXX to provide the following information : *Loan origination documents *Pay off disclosure *Interest rate disclosure *Balance history ( with all companies that must be assumed to hold this debt since origination ) *Complete payment history *Credit insurance I, validate account Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account1  : XXXX Account 2 : Unknown This account should be closed, and so old that is should be removed from my history as an aged account. 
I respectfully ask for you to provide some kind of proof on these alleged items, specifically the contract, note, or other instrument bearing my signature. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
I also understand that under federal law, you have thirty ( 30 ) days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided in fifteen ( 15 ) days of the completion of the re-investigation.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Prepaid card
Sub-product: Government benefit 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 claim in XXXX of XXXX in the amount of {$1000.00} it was denied XX/XX/XXXX reopened XX/XX/XXXX denied XX/XX/XXXX reopened XX/XX/XXXX & since then its still been pending its been over 3 years Ive been waiting on a resolution Ive called numerous times only to be given the runaround and told there is no time frame for a resolution which is absurd because how long does it take to investigate unauthorized charges theres no way it takes over 3 years I filed a complaint & an escalation XX/XX/XXXX & they still said as of today that there is no time limit on this claim or the escalation Im not sure what is going on but I need help with 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 explanation