BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The truth to facts of the secondary mortgage is that a Beneficiary Seller Agent, which prepared a Sales Contract, Promissory Note Agreement of the Buyer, unlawfully converted the Promissory Note Agreement, that is a Substitute for Cash, into a Investment Deed of Trust Contract, in favor of the Beneficiary Seller Agent, by legal fraud. The undisclosed principal trustee, custodial cestui que trust, or SSN, has property interest in a financial public revenue unit asset note, and it is a violation of real property rights of the absolute trustee for an agent to hold, transfer, or deal with the financial asset interest. A authorized, licensed dealer representative of State, is defaming a natural person trustee character, by giving false reports on credit, as if it is a Beneficiary Seller Bank 's credit, and Debasing a Legal Persons Promissory Note, blank endorsement, by extortion of credit. This common law of agency, undisclosed principal scheme, hides who is the trustee, along with the original note that shouldve zero balanced out the commercial paper transaction, credit sales contract. Deceptive or fraudulent security exchange business practices is when a seller or buyer agent, makes or induces others to rely on a false or misleading written statement for the purpose of obtaining contractual property, promissory note agreement, security interest or credit. PUBLIC AUTHORITY IS SUPPOSE TO PROTECT THE PUBLIC INTEREST, NOT IMPAIR SSN CONTRACTS

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 2018-11-29
Company: AMERICAN EXPRESS COMPANY
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:
XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
there are unauthorized inquires on my credit report. i have attached a ftc report that shows unauthorized inquires

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 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several account that are in violation of my write. I do not want the company to reinvestigate because they keep getting the same information which is not correct. FCRA you must report accurate information. However I have dates that are not write. OPEN DATE, CLOSE DATE, MONTHLY PAYMENT, DATE OPENED, BALANCE, PAST DUE, PAYMENT STATUS, CREDIT LIMIT. 


I, XXXX XXXX is tired of constantly asking for the same reinvestigation. My information is not correct on each Credit Bureaus and that is a violation. The company must provide accurate information to all credit Bureaus. Each information must be the same. However, with my report there is so many conflicting information I have high lightened. In the comment section it states it has meet FCRA requirement for investigation how is that when information is still conflicting and some account do not belong to me. I the consumer and a natural person, am aware of all rights that I have, and which are protected by the CONGRESS under the Fair Credit Reporting Act ( FCRA ). The list of account below has violated my Federal Rights. My federal rights protected consumer right to privacy and confidentiality under 15USC 1681. NOW IS NOT THE TIME TO UPDATE INFORMATION YOU ALL HAVE DONE THAT BEFORE SEVERAL TIME AND STILL FAILED TO GET IT RIGHT. In addition it took 47 days to get a response from each credit breaus.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: IL
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:
Im reporting a bill which I have no acknowledgment of. I dont know why its on my credit report. I would like to have proof of who they are, not some random bill that can be from anywhere due to fraud. Ive never recite anything from the company or who they are.

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 2022-12-24
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted proof that debt was paid, but information has not been corrected on credit report or company. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX and I live in North Carolina. 

I recently pulled my 3 credit reports and see that there is a bogus address tied to my name and or my social security number. I do not know to what extent the potential fraud exists. Someone has attempted to add an address in the XXXX, NY to my name. The fraudulent address is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX. 

Will you please help me to determine how to remove this address from my credit report and to assess the damage done to my personal data. Thank you.

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 2023-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXX XXXX ( # XXXX ) charged amount of XXXX for Automobile/Vehicle Rentals on XX/XX/XXXX to my Bank of America Credit Card ( copies attached ). It came as a shock to me. On XX/XX/XXXX my car sustained damage due to hit and run ( likely a criminal act ). As required I contacted the Police ( XXXX XXXX ) and an examination was done at location XXXX XXXX XXXX XXXX lot of XXXX XXXX XXXX and report issued. I was enrolled in Automobile Insurance and was authorized to take my vehicle to their designated repair shop - Collision Express. In the mean time I was provided with a rental car by insurance company as required by law/policy. Apparently the Insurance didn't pay the Rental XXXX as required even though they were apparently billed. So XXXX charged my credit card to the amount. I disputed the charge with the credit card company in about XX/XX/XXXX. Though I provided myside of the story, the dispute went for more than 90 days despite me calling them several times and even promised expedited process. Few days ago I called and was told that they dismissed my dispute. The dispute is bona fide and should have been forwarded to XXXX for their response. Instead the credit card simply dismissed my dispute and I believe acted in bad faith and simply dismissed. I explained to them it is a dispute and not a service provided. The Insurance company did not pay them. That the insurance company along with their client the repair shop ( XXXX XXXX ) arranged their client XXXX 's car for rental. Not my choice. The insurance company did not pay XXXX as required. Clearly mal-practice of insurance company refusing and/or delaying the payment to XXXX, their business partner. After 90 days they dismissed my complaint without even seeking a response from XXXX who charged my credit card unusual amount. The reason provided by Bank of America business card is I believe fraudulent and/or wanted to pull this under the rug as the dispute resolution process would have unearthed/ exposed the unethical and illegal activities of XXXX and/or their partner XXXX XXXX. So they did not go through the normal / required dispute resolution process but I believe purposely delayed 90 days and/or beyond as they had no intention of going through the process. I also believe they engaged in un-ethical and/or illegal backdoor communications with XXXX for the purpose of dismissing my dispute. Simply fishy, unethical, fraudulent and likely breaches rules and regulations.

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 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I purchased a laptop on my Capital One credit card but the item received from the merchant is different from what was ordered and does not have active version of XXXX installed to it. I have tried to dispute this item with the credit card company but it is simply impossible to get hold of them. Also, their online self-service dispute tool does not work, instead providing a phone number where nobody is picking up or helping you. 

Transaction is : XX/XX/2019 XXXX* XXXX XXXX XXXX XXXX {$1800.00} Please initiate a dispute for this transaction as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2019-10-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Im not allowed to receive personal calls at work and MidLand Credit continues to call my work number. I have contacted them multiple times to have them stop calling me at that number. It would stop for maybe a week, if Im lucky, then it would start right back up again. Its currently XXXX XXXX  and Ive received 4 phone calls from them today since Ive been at work. I got here at XXXX today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF ED/XXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATION/XXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 

After you remove these items, please send me an updated copy of my credit report via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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:
Fact and opinion ... .how totally pathetic their inquiry to me confirms their inability to do even the very basics of reporting. Within your complaint my name and address clearly identified. By fact your application DOES NOT CAPTURE SOCIAL SECURITY NUMBER..The following form fields are incomplete or have errors : Social security number ( Credit reporting company ) .... Yet these losers send me a delay letter asking for more information to confirm my identity. They have responded to you ... how??? Yes how did they respond to you when they do not know who I am????? This charade goes on and on time after time. Could it be their off shore staff does not comprehend English? They have my name, address l and birthdate. So I will give you the last 4 SS again because they need NOTHING ELSE but help to get things right. And while your at it fix your non functioning software which rejects the social security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted transunion about a bankruptcy on my report, and asked for verification and validation, using the address they listed on my credit report, the mail was RETURNED, indicating a wrong address and inaccurate reporting. 

All of my correspondence was sent CERRTIFIED. I informed transunion of their inaccurate reporting and asked for a deletion. They responded to me stating they verified via XXXX and the listing will REMAIN, ( But They  changed the Bankruptcy court to the CORRECT address now- go figure. XXXX is NOT the furnisher of the information, in which they tried to pass it off as so. 


ALSO - and most importantly, I have attached a letter from the court, stating, THEY DO NOT REPORT to the credit bureaus. This is a clear violation of my consumer rights and is actionable. 

I have attached a copy of my certified correspondences in which, i asked for validation, notice the dates of the reports ( they changed the address of the furnisher, instead of admitting their mistake and granting a deletion ). 


Nevertheless, the letter from court should trump it all!!! 


PS_ I AM HAVING PROBLEMS DOWNLOADING ATTACHMENTS< but will try and input afterwards

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 2022-07-15
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX and XXXX, I took out two different student loans for my daughter who was attending XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. I had no problem making the loan payments until my personal financial situation changed drastically in XXXX after a divorce, a move across the country, and then the pandemic decimated my XXXX travel business. 

Navient says that I am out of forbearance options. In the meantime, I've accrued thousands of dollars of interest fees while in forbearance. According to them, I'm out of forbearance options and I do not have the means to make the $ XXXX monthly payments. It's just out of the realm of possibility right now. 

When I took these loans out, I took onXXXX out ( from XXXX ) with my former husband as a co-signer ( he was removed from the loan in XXXX ) and one on my own ( from XXXX ). I did not have a co-signer on any of my loans. Now Navient is telling me that my mother is a co-signer on one of these loans! This is absolutely false. 

My daughter, separately, took out a loan that my mother co-signed on but she did NOT co-sign on either of my loans, but now Navient has threatened to contact my mother about MY loans. This is false and wrong on every level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Fraudulent accounts and Inquiries appearing on credit. 


XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$9400.00} XXXX. XXXX XXXX XXXX {$4300.00} 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 2022-07-15
Company: Colony Brands, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was fraudulent with my identity 7 years ago with this company Montgomery Ward I tried to dispute this off my credit report as inaccurate, no knowledge to this account, fraudulent for the amount of {$430.00} date opened on XXXX, XXXX, XXXX it's a charge off account with no payments for many years now its fraud I reached out many times to Montgomery Ward I got no answers no resolution nothing but a update on my credit report as accurate for XXXX XXXX, XXXX a new current date this is not my account it's fraudulent I need help to solve this manner its hurting my credit worthiness my life is on hold because of this action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
Follow-up complaint to resolution of complaint ID # XXXX. I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.

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