BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid 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:
On XX/XX/22 I purchased a " XXXX XXXX '' office chair for {$250.00} on my Bank of America credit card. It was to be delivered within a week. On XX/XX/22 I still had not received it. The phone for the company did not answer. I asked the company to refund my money and when I did not get a reply to my email, I put in a Dispute with Bank of America. A few day later the chair arrived but when I opened the box the chair was in pieces, without any instructions as to how to put it together and obvious pieces missing. It also looked like it was used, it had dirty, scuffed wheels. It also turned out to be a fake/knock off XXXX XXXX XXXX XXXX I called & emailed the company and after many correspondence they sent a return authorization. On XX/XX/22 XXXX picked it up and delivered it on XX/XX/22 XXXX according to the Proof of Delivery.

I asked the company to refund the money but they didn't I called Bank of America, spoke with a representative and told her what happened and she told me that since I already disputed it and that I already received a credit. Today I received a letter from Bank of America saying that they are reversing the credit stating " We've thoroughly reviewed the details of your dispute ( s ), and based on the information we received, we're unable to pursue your dispute ( s ) further. We received information or documentation to support that the merchandise was available, or shipped to the agreed upon location. '' I tried to Dispute it again on line, but it is not possible. I called and spoke with a representative and she said she could not help and to do it online. There is no way to send a message online to Bank of America & no way to dispute it online again.

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 2021-12-29
Company: Global Equity Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was solicited via direct mail by Global Equity Finance in XXXX of XXXX for a refinance on my existing conventional home loan. I responded to the advertisement and was told to apply online and was approved on XX/XX/XXXX. I subsequently provided all the necessary documents requested, paid for an appraisal, new HUD tags, etc. and was supposed to close yesterday, XX/XX/XXXX. I was told today that my home is ineligible for refinance because the build date was XXXX. They said their records showed my home was built in XXXX. I never provided that date, their records were wrong, they solicited me and charged me hundreds of dollars during the process and then cancelled the refinance. I should not be financially burdened by their incompetence and incorrect data. Had I ever been asked what year the home was built I would have told them XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30
Company: CITIBANK, N.A.
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:
catagory needs to be ''CREDIT REPORTING FRAUD, LYING '' AND THIS IS NOT THE SAME COMPLAINT SO I AM REPOSTING IT, BY THE WAY ITS OVER 2 MONTHS SINCE RESPONDED TO SO WHERES MY XXXX, XXXX CRIMINALS PROTECTED BY THE CFPB AS USUAL, THERE HAS NEVER BEEN ANY VALIDATION OF PROOF OF ANY DEBT, A STATEMENT IS NOT A DEBT, A ''BILL '' IS A DEBT AND SHOW ME THE ORIGINAL INSTRUMENT, THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX [ XXXX XXXX XXXX XXXX ] XXXX IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF  ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXXXXXX 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 2021-12-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Back in XX/XX/2021, I notified TD Bank that I had received in the mail a package from them regarding a new checking account that was opened in my name with TD Bank of which I never opened. I told them that I would report it as fraud and they said that they would close the account, conduct an investigation, and then send me a letter upon conclusion of investigation. As of today, I havent heard from TD Bank and Ive tried everything thing from calling them and sending a letter but Im not getting a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is yet another compliant about the unscrupulous business practices of this collection agency that despite my previous complaints continues to call me regarding a debt that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant but still have yet to receive this information. Even further I received yet another collection call from this agency today in which I made it quite clear that the burden of proof is with the collection agency and not me and that all collection calls should cease and desist. This agency 's failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me a copy of verifiable proof, It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX   have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
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:
I am requesting that you will reinvestigate the incorrect accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: 1ST RESULTS BILLINGS & COLLECTIONS, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, 2021 I noticed a derogatory mark on my XXXX credit report. This shocked me as I have excellent credit. Upon further investigation, I found that George Brown Associates notified the credit agency that I had an unpaid debt. 

This was the first I heard about this debt. I attempted to call the company at ( XXXX ) XXXX - XXXX as listed on their website ( see submitted video for listed phone number on XX/XX/XXXX ). When this communication method failed for several days, I submitted a form on their website notifying them that I had never been notified of the debt, inquiring about the origin and amount of the debt, and contact information. This was sent on XX/XX/XXXX. 

I also notified this debt collector that without this information I could not be expected to pay the debt. I provided my email address to the company so that they could respond. 

It has been five months and I have not received any form of communication from George Brown Associates. I do not know why this company took the step of reporting debt to XXXX without attempting to rectify the debt with me first. I am also disappointed at the utter lack of communication channels to reach this company. 

It is negatively impacting my credit, and I am now a graduate student applying for student loans. I feel helpless in rectifying the situation because this company has provided me no information. I only know about the debt through XXXX 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 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. When I called they acted confused and I needed this in writing so I can at least have an advocate on my behalf

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 2022-06-14
Company: WELLS FARGO & COMPANY
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:
Dear XXXX XXXX, After receiving the response to my complaint via consumer finance this is a follow-up response due to the error not being corrected. The FCRA allows you to continue reporting the account for seven years from the first delinquency that led to the charge off, which for me is XX/XX/XXXX and as of XX/XX/XXXX the account should have been removed from my credit report to comply with FCRA an althrough this account has been reported on my credit for the past 7 years I have never receievd a validation notice which violaited FDCPA policy.

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 2018-08-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I tried to make a payment of {$6000.00} to OCWEN to reinstate my home loan. I was informed by OCWEN that the property was sold on XX/XX/XXXX.. 

This was a grievous mistake on the part of the bank as the loan officer told me that I had until the end of the month, XX/XX/XXXX. 

This caused my great difficulty as I had to scramble to secure a new residence..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Navient Solutions, LLC.
State: OH
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 attended XXXX College located on XXXX XXXX in XXXX, Ohio. I was enrolled in the XXXX XXXX program for XXXX XXXX. It was a 4 semester program. Halfway through completing the program we were notified that XXXX XXXX was not locally, regionally, OR nationally accredited or recognized by the XXXX XXXX XXXX as an official school of XXXX. They were closed. However, before they closed, I lost a minimum of {$20000.00} in financial aid to them paying for tuition costs, books, lab fees, etc. to obtain by degree in XXXX XXXX. I have tried to work this out through my loan servicer Navinet but have been unsuccessful. I am requesting loan forgiveness or cancellation due to the school closing. Since XXXX closed, another unaffiliated school by the name of XXXX XXXX has opened and they offer XXXX classes. No school in the city or state of XXXX, however, will accept or honor any of the courses students have taken at XXXX College in XXXX, Ohio. This was a complete loss to me both financially and in terms of time. Navinet claimed that they were unable to verify that XXXX was closed ; however, it is not very hard to find that information if you really look for it. I have proof that it was closed. It was not accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX is not being compliant and they are not properly following the FCRA as stated by law.I filed a grievance on them back in XXXX I had filed the following grievance on XXXX which stated To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 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 The response I received for my above stated complaint was in quote In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Plz refer to the original complaint and response ) They did not state the outcome of the investigation and give a explanation on the outcome of the complaint they just gave an elusive statement. I am still in a Quandary to what action was/is taking to correct the information displayed on my credit report.

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 2023-11-09
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXXXXXX CHILD SUPPORT ENFORCEM XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 item of information, other than records of convictions of crimes, 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. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-09-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Volvo Car Financial Services U.S., LLC
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:
I returned my leased vehicle on time and was present for the inspection. 4 years later I discovered that there was a charge that I never knew about for over {$600.00}. I called Volvo and asked them to clarify the charges. They stated that there was a late charge, but the vehicle was turned in on time and they could not tell me what the other charges are for. I've contacted them 3 times to resolve this dispute and they still have not told me what all of the charges are for. This was reported to the credit agencies as a " charge off '', and is negatively affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
This is a fraudulent debt that was not originated by me. I feel taken advantage of as this fraudulent account is damaging my credit reputation

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 2023-05-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2023, I check my Equifax, XXXX, and XXXX After revising my credit report from all credit bureaus the information about an bankruptcy has Inaccurate information from all 3 credit bureaus. 


On XX/XX/2023, I sent out letters to the 3 credit bureaus to remove Inaccurate information from their systems and other third parties. according to the 15 USC 1681. The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1679c ( a ) - Disclosures The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.

Company response to consumer: Closed with explanation