BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: SD
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:
I have on multiple occasions tried to revive credit scores/history or credit reports through the 3 main credit check companies and my bank but am told that it doesnt exist or that my identity couldnt be verified or that my social security number doesnt exist. Ive tried to settle it with these companies but they keep telling me to file a complaint to the consumer finance website to have it disputed.

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 2022-04-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On the XXXX of XX/XX/XXXX I opened a checking account at a TD bank branch in New York. 
A friend of mine was referring me. As advertised on my referral form I was supposed to get {$50.00} when one out of two criterion is met, and I quote, " no later than 95 days from account opening '' ( XXXX XXXX XXXX XXXX XXXX did comply with the two criterions : 20 qualifying purchases with my TD debit card within 60 days and more than 5 qualifying direct deposits of at least {$250.00} ( XXXX, XXXX and XXXX statements attached ) 4 months after the deadline I still haven't received this bonus yet. 

I reached out to TD bank several times : On the XX/XX/XXXX, the XX/XX/XXXX I wrote to the customer service online but they kept asking me to contact the TD Bank Store which the account was opened for further assistance ( XXXX XXXX ) On the XX/XX/XXXX I wrote an email to the branch representative that opened my account. No answer yet ( email-XXXXf attached ) I visited that branch on the XX/XX/XXXX and talked to a representative On the XX/XX/XXXX I sent the supporting document asked by this representative. No answer yet and no outcome yet ( XXXX attached ) On the XX/XX/XXXX I wrote to the customer service online that used again the ping-pong method and suggested to visit the branch ( XXXX attached ) I also called the TD bank customer service on the phone in vain

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Essentially, On XX/XX/XXXX, JP Morgan closed the account with no explanation. This is my business account XXXX XXXX XXXX- and I actually lost customers because of this. I don't even think my account was opened properly, nor do I even know why JP Morgan closed my account. I'm beyond frustrated, as I told JP Morgan exactly what this account was being used for, and if they have a problem with the account, they shouldn't have opened it to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: 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 Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 explanation
Consumer complaint received 2019-10-15
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 fraud alerts or security freezes

Complaint:
XX/XX/2019 1 I sent a letter with verifying information of my identity to experian to release a credit freeze on my name and account number and they have sent a letter saying to continue the freeze send further information I want the freeze released lifted theres no way to contact them by phone

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 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB, you closed the complaint inquiry into XXXX XXXX company which I just recently filed, but the issue was not resolved. Please re-open complaint ID XXXX submitted on XX/XX/2022 as this company persist in false statements and threatening tactics. Please contact me immediately if you need any further information as I have already responded to the company 's response this morning.

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 2019-01-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I talked with a representative by the name XXXX to inform them they have the wrong number. I used the company answering menu which states that if they reached a wrong number to indicated so and I did. I have received XXXX calls and messages each day for over a week and it has not stopped even after informing the company that they have the wrong number. The company name is XXXX XXXX? XXXX is the number I called to have them stop calling me but I am still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-05-15
Company: Experian Information Solutions Inc.
State: IL
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:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v Gravens C me my 281 sw 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Upon Ucc 3-311 Ucc 3-603 Ucc 3-104 Ucc 3-306 Ucc 3-308 Ucc 3-104 Ucc 3-419 HJR 192 without prejudice.

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 2021-09-22
Company: Receivables Management Partners, LLC
State: CA
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
ChexSystems has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to ChexSystems storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.

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 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive disputed late payments on my XXXX account more than 3 times with Transunion. Transunion refuse to provide a proper investigation. Transunion keep sending me an UPDATED report with nothing updated. Ive requested Transunion send the accounting records of my XXXX report for me to examine the accuracy of the inaccurate late payments. Transunion has NOT provided me with my request. Transunion also have not updated the inaccurate late payments. Transunion is required by the FCR law to provide 100 % correct, and accurate information, but as failed to provide my request. This is a direct violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Information belongs to someone else

Complaint:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this address needs to be deleted Ive never lived at this address : 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 2021-01-27
Company: Bull City Financial Solutions, Inc
State: NC
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:
Bull City Financial Solutions XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX is using predatory tactics and fraudulently reporting the same account multiple times to the same reporting agency. My report was tagged 4 time for the same collection account by this firm on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX 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

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 2019-03-03
Company: Navient Solutions, LLC.
State: OH
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:
Navient promised me my Student loan account was set to XXXX.. They text me all month of XXXX to assure me.. But then forward my account to the Treasury Department where they took my whole tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2021-07-29
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collection company named LVNV Funding LLC sued me in court. Before court I sent a written request asking for a signed contract. I never received a signed contract. We went to court on XX/XX/2021. I told the judge I asked for a signed contract and I never received it. Consumers have rights. This is the second company that the debt was sold too. I didnt authorize them to purchase the debt and my personal information. The judge ruled in the debt collector favor but Im going to appeal. They didnt have the correct address in court. Its illegal for a collection agency to buy debt and come after the consumer. I need a signed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been struggling for years with Navient to lower my payments to something I can afford in regards to my private loan. I have managed to work with them after 4-5 years and using ALL of my forbearances to get in their what they call rate reduction program. At one point, they even XXXX up my payments during the program. Now my payments are going up. And they say it is to match what was on my promissory note. I went from paying XXXX  something, to XXXX and change, to now XXXX for the next 6 months and I am afraid I will not be eligible for their program. When I went to renew, I wasn't even allowed to use a forbearance because they made me use them all in the course of the 4-5 years I argued with them to lower my payments because I could not afford almost XXXX a month after I graduated and didn't have a job. I have also tried to get my father released as a co-signed as he is XXXX and does not work and the only income he has is his SSD. I have  countlessly explained this to Navient AND made on time payments using the rate reduction program and they said he can not be released but i have proven to make payments ALONE without his help and I don't want them coming after his SSD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CA
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:
In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I Told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604A 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 year 's. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: The Bureaus, Inc.
State: DE
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:
1. The Bureaus Inc., have sent me : XXXX as the collection account number, this is not the account number they put into collections on all three credit bureaus, which is : XXXX. This is inaccurate. 

2. The Bureaus Inc., have reported this account as " open '' and " closed '', inaccurately across all three bureaus. It is closed, not open! This is inaccurate. 

3. The Bureaus Inc., report the Date of last activity was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

4. The Bureaus Inc., have reported Date Reported as : XX/XX/XXXX, and XX/XX/XXXX. Inaccurate on all three bureaus. 

" The federal Fair Credit Reporting Act ( FCRA ) promotes the ACCURACY, fairness, and privacy of information in the files of consumer reporting agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
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 Repporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 60 day XXXX 30 day laypayments, XXXX XXXX XXXX 30 day late payments, XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments XXXX 90 day XXXX 60 day 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 an account without my written instructions.

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 2023-06-22
Company: Amsher Collection Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking at my credit report and saw that a new collections was put onto my credit report. The following company does not have a contract with me, does not have my wet signature and they have stolen my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation