BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of america call me a XXXX saying I'm not was in hospital but I did till XXXX when I sign up it say to get XXXX points and XXXX XXXX XXXX  but bank of america give me hard time when I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  they give me alot of stress but I want my XXXX and that XXXX  points that all

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Hi my name is XXXX XXXX since XX/XX/XXXX Trans union is not reporting anything on my account and they removed all my history I have ther now a XXXX score it use to be around 760. I called them multiple times they told to tell my lenders credit cards car loan mortgages to report I called them all they told me that they sending it to all 3 bureau the other 2 still reporting it only Trans union not. I called back Trans union they keep saying that tell the bank to report by us. But they all telling me they doing it to my account for last 23 years y should we stop ots Trans union problem. But they ignoring me and it hearts me yo take out a loan ..I uploaded to show you that on XXXX they removed everything..let me know what I can do..thanks so much

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 2023-09-29
Company: Crystal R. Cole, Attorney at Law
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I negotiated settlement options with the Law Office of Crystal for a default judgment they were awarded for failure to appear. I was required to send in proof of my debt with the IRS, my monthly mortgage statement to show a {$400.00} increase in obligation as a result of insurance, the debt letter for another law office I am already ( barely ) making {$500.00} payments to, the additional insurance payments I was making for my property, along with my proposals for voluntary resolution. These documents were found to substantiate my financial hardship by the client that they represent and approved the options for repayment. It was after my email asking how to make payments that I lost their contact information. Instead of picking up the phone and calling someone that they know was trying to resolve this matter amicably they issued a garnishment to my checking account. ( please be advised that they had previously attempted to garnish this account and rendered {$0.00} after review by my bank because I am NOT hiding money ). Having all of this information they still processed a garnishment of {$310.00} ( minus an additional {$100.00} in legal fees enforced by my bank to review my account ). This account is generally in a negative balance however I had XXXX checks outstanding totaling {$410.00}. 
Besides the fact that I think the laws need to be changed as far as a bank levy is enforced ( with a garnishment of wages you can only take a percentage, a levy takes everything you have which is outrageous for a non-IRS defaulted debt ). I feel that this attorney knowingly and voluntarily inflicted an undue burden and hardship willfully without making any other reasonable effort to contact me ( a.k.a phone call which was provided to her when I contacted her initially ). She has been provided all requested documents to substantiate that. 

Their information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Physical address XXXX XXXX XXXX XXXX TN XXXX Phone # XXXX XXXX XXXX Fax # 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 2023-09-05
Company: EQUIFAX, INC.
State: GA
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 am reaching out to file a complaint on behalf of Equifax. This is in fact me, XXXX, and no authorized party is sending this complaint so please do not send that back as a stall tactic! I have become very frustrated with this reporting agency. I have fraudulent student loans that have been sitting on my consumer report. When speaking to someone at Equifax, I was told that the FTC Report was required in order to have these accounts deleted. When I submitted in the appropriate information, I was then told the FTC Report could not be honored and that I needed something from the creditors stating that the accounts were in fact fraud. I have now received proper documentation to support dealing with those accounts and demanding that Equifax remove these student loans from my consumer report. As a consumer, I am highly aware that I shouldn't even be dragged through all this due to the responsibility that this consumer reporting agency has to uphold fair and accurate reporting! I am coming to the CFPB now because it seems that Equifax has continuously failed to do anything about this. I am pleading that this issue be resolved and that these student loans be deleted!!!!!!!!! This has become very draining at this point and is causing me a great deal of stress!!! I really don't know what else to do after this besides file a suit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Sir/Madam, I am writing to dispute the inclusion of certain accounts in my consumer report provided by your agency. These accounts should not be furnished on my consumer report, as they are in violation of 15 USC 1681b - Permissible Purpose of Consumer Reports, specifically under ( a ) ( 2 ), which states : " In accordance with the written instruction of the consumer to whom it relates. '' I have never provided any written consent to any consumer reporting agency, which violates my rights as a consumer. The absence of consent amounts to identity theft, and as a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX In addition, I would like to draw your attention to 15 USC 1681c-2 , which states : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been issued a reference number ( XXXX ) for this matter. I kindly request that you adhere to the legal obligations outlined in 15 USC 1681c-2 and promptly block the reporting of the aforementioned accounts from my consumer report within the statutory timeframe.

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 2023-09-15
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-03-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent credit card was opened in my name with Comenity Bank/My Place rewards in around XX/XX/2022 with a balance of {$2300.00}. 

I learned and made a complaint in XX/XX/2022. I contacted the bank to start an initial dispute and to have the account closed. The bank responded saying the account stands with no further information of the investigation they conducted. 

The account is still fraudulent and negatively impacts my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert that Comenity pulled a hard inquiry without my consent, and others are complaining of the same on XXXX and XXXX. I, along with thousands, have not been able to pay my bill or access my account in over 3 weeks, no online payments, or customer service etc. is available. So not only did Comenity report as delinquent which dropped my score, now they pulled a hard inquiry for some reason and dropped my score even more and as of today they are still unreachable and the website is down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: Experian Information Solutions Inc.
State: NV
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:
I filed chapter XXXX bankruptcy on XX/XX/2019, it was discharged on XX/XX/2019. In my credit reports it shows wrong dates which is effectively effecting my credit. Ive sent the credit bureaus my discharged, Nothing has been updated.

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 2019-09-19
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX when my Mortgage was transferred I made my XXXX payment in XXXX and also spoke to someone about a payment arrangement for XXXX months. My payments are {$620.00} and my regular mortgage payment is {$470.00} and after making my XXXX payment of {$620.00} on XX/XX/XXXX I am be harassed about a XXXX payment their telling me I should have paid the XXXX payment the end of XXXX. Now, the XXXX payment should be included in the XXXX month arrangement. Thats why I am paying more for XXXX  months and if I had paid the XXXX payment my mortgage would be caught up cause I gave them a payment on XX/XX/1919. This is very confusing. I can afford my mortgage I just cant afford this business trying to get more money and I only am able to make a mortgage payment once a month

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX card account number XXXX balance reporting incorrectly for XXXX for Month of XX/XX/2023. However, balance is currently at a XXXX ( XXXX  ) balance

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 2019-09-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In a nutshell, my youngest daughter wanted to attend XXXX in XXXX XXXX, FL. We contacted the financial aid office at XXXX, and were told only about the Parent Plus loan ; it was never brought up that my daughter could apply for the loan in her name, and have her payments based on her income. I had to take out the loan. I had been through an expensive divorce from her father, and my credit scores were not sufficient for me to sign the loan on my own. They advised that if we could get another co-signer with better scores, we should have no problem getting approved. My then boyfriend, now husband, graciously offered to co-sign. This was in XXXX-XXXX ( a total of 4 loans ). We are currently pending approval/denial through the Dept. of Education Borrower Defense process, due to XXXX XXXX fraudulent job placement claims. Those 4 loans are in forbearance, accruing interest at an alarming rate. It also appears that XXXX XXXX is suing the Dept. of Education, and that applications are not being processed until the lawsuit is settled? I questioned the Dept. of Education as to why are these loans placed in forbearance vs. deferment. It was explained to me that this was done in order to prevent borrowers who were applying were not doing so just to be able to delay making payments. My husband and I both work for the XXXX XXXX XXXX ; our income is lower than low. I believe in paying my taxes, debts, etc. I believe that your agency can not submit my claim to the government, but, I feel that my husband and I are being punished for something that someone else must have done ( filed borrower defense when they know they are not even remotely eligible ). We are getting close to retirement age, XXXX and XXXX, and this is frightening to us. If our application is on hold for something we had nothing to do with, and have no control over, why can't our loans be placed in deferment? That is all I am asking for. Thank you for your taking the time to read my complaint. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
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 was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed

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 2023-01-13
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 am writing to file a complaint against a XXXX account appearing on my credit report with a balance of {$24.00}. I have been disputing this account with XXXX and Experian since XXXX and attempting to contact the creditor without success. Despite several attempts to contact XXXX over the phone to resolve this balance, each representative told me they could not locate any matching account in their system. 

This is causing me an immense amount of stress and confusion. I have sent them letters requesting more information about this debt, including a breakdown of the balance and copy of a contract but never received any reply. Further, I have disputed this with XXXX and Experian who have not conducted a proper investigation or supplied me with any results. 

The only response from XXXX was dated XX/XX/XXXX. It had the customer number field blank and stated that it could not find my XXXX XXXX Credit Account . I don't understand how this can be on my credit report if my information can not be matched to any account with XXXX . Additionally, when I called to follow up on XX/XX/XXXX to the number listed on my credit report XXXX there was no way to get a hold of someone other than an automated message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 Banana Republic card opened fraudulently at BANANA REPUBLIC - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Tel. ( XXXX ) XXXX Amount charged was XXXX XXXX XXXXXX/XX/2023 XXXX card used fraudulently at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Amount charged was approximately 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by 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 2021-12-01
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX//2021 I submitted a complaint against Exeter Finance ( # XXXX ). I received an answer on XXXX/XXXX/2021, however, it did not satisfy the request sent to this company via cease and desist as well as debt validation. The consumer credit transaction is false and misleading as I was not given the proper disclosures pursuant to 15 USC 1635 which is a violation. As I reviewed the negotiable instrument again, I noticed that my signature is the only signature on the paperwork given to me on XX/XX//2021. ( See attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX Balance : {$10000.00}

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