BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 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. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WA XXXX have violated my rights. 

According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 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. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. They have not sent me any paperwork showing how these accounts account are " verified " to be mine. They have had plenty of time to prove to me how these accounts are mine. I have been trying to dispute these charges and have them removed from my credit report but to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Please help me with this issue that is detrimental to my credit health and my livelihood. Thank you for all you do.

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 2021-06-05
Company: Persolve, LLC - Legal - Series 2
State: AL
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:
Account Resolution is in violation of the debtor 's act. They're reporting fraudulent accounts on my credit reports with all three credit agencies. I have ask them to delete this collection item off of my report and they refuse to do so. The claim they have spoken with me and verified that this belong to me. I don't know anything about this. I do not have a bill with them or any other company. The amount they're saying is {$2900.00} that I owe them is fraudulent. On one report they're Account Resolution and on the other report they're Persolve , LLC. Companies like this should not be allowed to get away with this kind of scam behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2015, XXXX XXXX XXXX engaged in a open ended credit transaction with American Express. American Express sent me monthly statements, which showed a positive number in the balance column stated that I owed a debt. 18 USC 8 shows that all obligations ( debt ) are the responsibility of the US. American express has called me on numerous occasions and have sent me emails about paying a balance that is in the positive. They have engaged in adverse action by closing my account and reporting negative information on my consumer report. All of the statement they have sent me have billing errors on them. They have violated me by stating that I owe this alleged debt and by closing my account and by furnishing negative information on my consumer report without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have multiple student loans with XXXX/Navient. Between XXXX my student loan payments were being misapplied to either the wrong loans or to only one loan out of the multiple. The loans went into default even after several phone calls to XXXX XXXX to resolve the issue including providing proof of payment. Ultimately three of my loans went into collections and they reported marks on my credit report. I am now repaying my loans on the loans in collections. However, even those payments are being misapplied or suddenly stopped all together ( I have auto debit ). I have received letters now asking for full payment of the $ XXXX I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: VI
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:
Experian continues and refused to stop reporting false information on my credit report that does not belongs to me and because of that I have been refused housing 2 times. Experian has refused to follow the guidelines under the fair credit reporting act and has not provide me the proof that these accounts are mine, they continue to lie to me and send the same statement that says verified, but I never see any proof that these derogatory accounts are mine. I am asking Experian to bring me verified proof as mandated by law and please deleted these deragatories from my profile. These items are XXXX, the XXXX, XXXX XXXX/XXXX XXXX XXXX. I would also like to opted out of Experian reporting because they have continue to destroy my financial life as if it is a joke. Please deleted these items from my credit report because it is very clear that Experian does no investigation they just send me a XXXX  letter that says verified. I will take legal actions against Experian if these deragatories and all those unauthorized hard inquiries are not removed from my credit files immediately. I am asking to opted out of Experian credit reporting. I am sick of the false reporting that has cost me a mortgage loan on a house twice. I have written to XXXX, XXXX, XXXX   XXXX/XXXX XXXX XXXX and theyve told me that they have nothing in their files to prove these accounts are mines, so why is Experian lying to me and refusing to delete these items thats clearly not mines? I will sue Experian if they do not take these things off my credit profile. I have no other choice 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 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of America hit my credit for a new credit card I received it in the mail, then later received a letter that it was locked due to suspicious activity. I never actived it or anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We received letters from Bank of America on XX/XX/XXXX. It was written Weve made the decision to close your business and personal checking/saving accounts XXXX XXXX XXXX XXXX XXXX Bank of America Account Number is XXXX XXXX XXXX XXXX Bank of America Account Number XXXX I called XXXX and they did not give me any reason why they closed our business accounts and my personal account on XX/XX/XXXX and XX/XX/XXXX I went to our Bank of America Branch on XX/XX/XXXX in person and spoke with XXXX XXXX XXXX Financial Center Assistant Manager ) and she has no idea why Bank of America closed our business accounts. 

We have been running our XXXXt business last fifteen ( 15 ) years under the same company and the same address. XXXX It does not make any sense without telling us why they closed all of our accounts. We'd like to solve this issue with Bank of America, but they are not cooperating. 

Best, 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 2022-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX credit pass complaint to XXXX and Experian measure the act and report herein to remove XXXX credit inquiry, and fault of association assuming lower credit score and their loss is a debt and has no other financial registry 's for applicability used uses with out gain passed my credit score and fabulous 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 non-monetary relief
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: NV
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:
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, Experian, .XXXX and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.

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 2023-04-20
Company: Experian Information Solutions 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 reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$0.00}

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 2020-09-28
Company: Lotane & Associates, P.A.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been made aware via solicitation from an attorney looking to represent me in defense, that XXXX XXXX XXXX XXXX is seeking legal action by attempting to sue me in court for an alleged debt. Prior to learning about the pending legal action I was unaware of any alleged debt and believe XXXX XXXX XXXX XXXX has violated protections outlined in the FDCPA by not contacting me prior in writing or by phone and allowing me to request validation of this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft.

I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In
my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. 
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX. On XX/XX/XXXX I paid a {$90.00} collection bill with them. I recorded the call and was told that the bill would drop off of my credit if I paid it. It didnt drop off of my credit. The status was only updated to paid which still shows up as bad. The company wont answer the phone. I paid the full balance and the entry should be deleted completely from my credit. 
The exact same thing happened with Santander Consumer a few years back. I agreed to pay the debt after the agent explained that it would be removed from my credit completely, not only updated to reflect paid. After years of going back and forth Santander has still not removed the debt in its entirety off of my account. Legal representation had to finally be deemed due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Complaint is against the XXXX XXXX XXXX XXXX for XXXX separate student loans that were originally opened in XXXX and defaulted by that year 's end. The XXXXXXXX XXXX XXXX XXXX originally listed the loans under " Direct Loans '' as the creditor. These XXXX loans should have fallen off all XXXX major credit bureau reports ( XXXX, TransUnion and XXXX ) and any others unknown to me, in this year of XXXX. In disputing this with XXXX twice this year, last dispute being XX/XX/XXXX through direct phone call, I was advised by the rep that the XXXX XXXX XXXX XXXX changed the creditor 's name TO " XXXX XXXX XXXX XXXX '' and shows all XXXX loans as having been opened in XXXX of XXXX which is incorrect. This seems fraudulent to me as the " XXXX XXXX '' program IS under the XXXX XXXX XXXX XXXX and are not separate. I respectfully request your assistance in providing me whatever relief that can be afforded in removing this from all credit reports. The school is currently involved in litigation and I never completed even half of the curriculum and dropped out due to family illness.

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 2021-05-15
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a victim of identity theft. by FCRA LAW you must remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). also there are inaccuracies in the reported late payments according to 15 U.S. Code 1666b. Timing of payments, FDCPA 807 misleading false reporting, FDCPA 8012 furnishing deceptive forms, and also the CARES FORBEARANCE ACT. there are literally too many violations to name. please address this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: DISCOVER BANK
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 am XXXX XXXX, and I am submitting this request myself and there is no third party involved. Regardless of the multiple written requests, the DISCOVER FIN SVCS LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-examine most especially the status information on this account. Otherwise, delete this collection account NOW.

Company response to consumer: Closed with explanation