BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
1. They did n't work with me in getting an income-based repayment plan.
2. T  he interest keeps significantly rising. Here 's a history : Today -  XXXX   XX/XX/XXXX / XX/XX/XXXX  -  XXXX    XX/XX/XXXX / XX/XX/XXXX /  XX/XX/XXXX -  XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX  -   XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX    XX/XX/XXXX  to     XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX   -  XXXX    XX/XX/XXXX  -   XXXX  +  XXXX    XX/XX/XXXX  to  XX/XX/XXXX   -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCOUNT : DPT EDXXXX XXXX DPT ED/XXXX XXXX To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX : XXXX, XXXXLATE PAYMENT ON XX/XX/2022 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- 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 ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX : XXXX, LATE PAYMENT ON XX/XX/2022 Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX ( XXXX  ) i received my first paycheck from my new employer. I used the bank of america app to deposit the check. It says on the app confirmation that it will post next business day. But then after i got home from work, i saw the email confirmation says next business day then XX/XX/XXXX under it. Which is obviously not next business day. 

I called the next day ( XXXX  ) on their client support to get clarification about the release date, and they said XX/XX/XXXX. I asked why, and the person said it is my first transaction on the account. She said she will escalate and i will get my money XX/XX/XXXX, instead of the XXXX. 

I reviewed my account and realized i have prior transactions on the very same account including a check deposit last XX/XX/2023. Which means the last person i talked to was lying. So i called again ( XXXX  ) and the person i was talking too is now saying that they put on hold randomly. That is now a different information. Then i asked for a valid document that they can get me that says they are authorized to put a XXXX business day hold on my salary whenever they want to with no reason, but they can not provide me with any. 


I sent a complaint to XXXX, and bank of america contacted me XX/XX/XXXX ( tuesday ) asking me to wait XXXX days for a resolution. She called me today XX/XX/XXXX ( wednesday ) letting me know that she can not help me. She told me all checks needs to be signed at the back, and none of my checks were signed even on my previous transaction so they kept on putting hold on my deposits. 

First thing is they never informed me about that thing that i was missing. The first time that i did it wrong, they put a hold of my money, but they wouldnt tell me that signature affects my transactions. Then when i asked if it is the only reason why my checks are depalyex, she said there are a lot of reasons she couldnt tell. So still, they are outting hold on my money and they wouldnt tell why. 


She kept on educating me what to do but not willing to resolve my issue. 

I did the deposit with enough time for it to deposit considering i really really need the money to oay for my insurance and car. Today, my insurance policy was cancelled because they are putting hold on my money. Very inconvenient and they couldnt explain me why. 


Id like to file a formal complaint because they are not willing to help me, but just save their 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 2023-02-25
Company: United Revenue Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
United Revenue Corporation added another collection after them finally being erased onto my credit report without my knowledge. I have never used them as a creditor. I filed two police reports in XXXX when I first acknowledged on my report with XXXX, and another report in XXXX stating to remove this from my credit report as they had reached a wrong party. I have never used them as a creditor. I didn't get a reply back. The Collection is now open for {$1200.00} again. I have sent in multiple disputes and letters asking for this to be removed from my credit report. I also filed a dispute online with XXXX, asking for a signature proof to identify who the person was to rectify the situation, but XXXX would not provide this to me. They stated they verified that the account was mine which is not true. I sent in another letter XX/XX/XXXX I also sent a letter XX/XX/XXXX. This was the last contact. The letter was also sent by certified mail as well to XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Credit agencies not conducting thorough investigation of fraudulent credit accounts.

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 2023-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked my ticket through Chase Credit card XXXX  for XXXX  on XX/XX/XXXX from XXXX XXXX I was denied boarding on XX/XX/XXXX for the XXXX XXXX ticket number XXXX. I wasnt send an email from the chase credit card XXXX XXXX saying i required a transit visa for travelling through XXXX XXXX. If i was booking through the airline, i would have got that email which states i need a transit visa. i tried to dispute a claim for this through chase Claim XXXX and they will not refund the amount. This shouldnt happen to all the consumers out there. When i tried to contact airlines they dont seem to care about customers, nor did the credit card company.Please help with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XX/XX/XXXX I get a call, ignored it. They left a voicemail. Didn't call back because I could tell it was a scam. Next day I get a email notification of new activity on credit report. XXXX XXXX XXXX put a fraudulent collection on my report. Claiming I had a magazine subscription back in XXXX, paid for 3 months at XXXX or XXXX month and then quit paying. That I now owe them {$910.00}!!! Mind you it is now XXXX, 5 years later.. I never subscribed to any magazines whatsoever! So I asked him who the original creditor, very hurriedly he said the name so that I couldn't understand him 2 times. 3rd time I asked him to slowly say it.. He proceeds to tell me it was publisher center incorporated promotions. My credit report had it as ( 01 XXXX ). So I googled XXXX XXXX XXXX promotions and nothing came up. I googled XXXX.. Also nothing came up related to XXXX XXXX XXXX. Scam scam scam! I googled XXXX XXXX XXXX Right underneath them is a reddit post with many people having the same story and description as I have with similar money amount ( always under {$1000.00} ) with the 5 year difference and with similar and different fake 3 letter companies such as ( XXXX XXXX as well as on the XXXX site. I disputed the reports and just like other people the credit agencies don't do anything!! So next step is to file for identity theft and I got a police report and I'm sending that in now to get these scammers ( XXXX XXXX XXXX ) blocked and removed from my credit report. They need to be stopped and arrested, based off the other people this has been going on for 2-3years now!!

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 2023-10-11
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
2 year service began XX/XX/XXXX Canceled XXXX XXXX XXXX XXXXXXXX Final month bill {$91.00} paid XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to return modem w/b sent XX/XX/XXXX ; received XX/XX/XXXX ; must be sent back within 30 days. 
XX/XX/XXXX Box w/modem-cords returned via XXXX drop off @ XXXX as directed. 

Beginning in May began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX XXXX. 

Beginning in XXXX began receiving bill for more than twice my regular monthly bill ( {$210.00} ) with no explanation of what the amount represents from XXXX, XXXX XXXX XXXX ( debt collectors ). 

XX/XX/XXXX checked FICO score ; drop from XXXX to XXXX due to recent derogatory public record or collection filed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
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 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.

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 2021-02-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting XXXX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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, 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have account with TD bank XXXX -my name ; XXXX XXXX i went XXXX XXXX XXXXXXXX XXXX-i marked deposit by check {$4000.00} in last XX/XX/2020 XXXX the check not come in my accounting - i asked them they told me there was problem by deposit in wrong number -they did that ) and they cancel the check and return it back for to the bank whose issue the check. i went many times and talked to XXXX XXXX XXXX  who issued it to me they sent formally letter say the check is cashed they sent copy from my check with the stamp from TD bank, my problem with TD bank, please look at attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Terrill Outsourcing Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Unwanted frequent calls. When answer they hang up. XXXX ( XXXX ) XXXX Spoke with a gentleman asked them to remove my number. He kept asking for my personal information. They continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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:
I previously disputed this account stating : " This account is incorrectly reporting that I have 13 late payments. On my Transunion report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

also this account was found to re-age my account and i have proof of the re-aging and its still on my report. 

according to consumer law re-aging is illegal and has the consequnces of immediate deletion from the bureau reporting it but also this credit bureau says it verified the account to be accurate and didnt catch the re-aging... so that means the verification of the debt was never done and just falsely claimed. 

i reported XXXX re-aging my account to XXXX and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' XXXX said they did an investigation and the re-aging dates were still on my account. 
as per the attachment XXXX never did an investigation or made sure the debt was valid on their site. 

XXXX  let XXXX  re-age my account for their persoanl gain. 

XXXX complied with XXXX and since transunion gets paid by XXXX to report both parties willfully conspired to deceive me and harm my credit for their profit and gain. 

they claim it was opened on XXXX last reported was XXXX date /last active was XXXX date of last payment was XX/XX/XXXX how could i have made a last payment on XX/XX/XXXX and my account was last active on XX/XX/XXXX. 

also on transunion they reported my activity was on XX/XX/XXXX. 

they re-aged my account from XXXX up three years to XXXX. 

to have this account deleted and monetary resolution be given to me in the form of {$2000.00} for the finanacial harm they caused

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 2023-04-09
Company: Experian Information Solutions Inc.
State: NJ
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:
The below listed accounts had violated my federally protected rights of privacy under XXXX XXXX XXXX XXXX XXXX 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 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 USC 1681, section 604 A Section 2 XXXX also states, a consumer reporting agency can not furnish a account without my written instructions. 


15 USC 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 crime, which add a date to the report by more than seven years. 


15 USC 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 calls to believe that the information is in accurate.

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