BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
To whom it may concern, In accordance with the Fair Credit Reporting act XXXX  Account 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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN TRANSUNION AND XXXX - PAYMENT SUMMARY AS XXXX REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, TRANSUNION REPORT SAID ACCOUNT CLOSED IN 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 2022-11-04
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:
The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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 or about XX/XX/2023 I made a deposit for {$4300.00} a cashiers check cashiers check number XXXX. The funds have been held up for over 10 days this is a cashiers check theres no reason to hold that money on a cashiers check awesome in the deposit on XX/XX/XXXX in the amount of {$6300.00} is a personal check and the funds cleared I have over {$20000.00} at Bank of America is holding up my money and XXXX is an extended hold and based on government regulations and the global conditions that they have to put holes on everybodys checks Ive never bounced any checks Ive never Made fraudulent activity on the account. My funds need to be made available. It is a small business account and that you always say small businesses, backbone of XXXX well why isnt there any help for small businesses? These banks are taking the money home for 10 days Im not getting the interest off that money theres no benefit for me all the benefits in their hands theyre got it over {$20000.00} off of my account. Multiply that by millions of accounts and they hold on to the money and not release the money so small businesses can operate, working capital something must be done. This is fraudulent almost criminal to steal someones money and then politely return it after 10 days of use without any interest.

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 monetary relief
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: DISCOVER BANK
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Discover Student Loans is taking payments out of my account on the wrong dates that I have created over the phone with loan specialists. Most recently on XX/XX/XXXX, and XXXX, I spoke with specialists to discuss lowering my monthly payment. I currently pay {$680.00} a month. However, this payment increases often as my interest rate goes up. I have been told by multiple specialists through Discover Student Loans that there is nothing that can be done for me. I have asked to lower my monthly payment, increase my 15 year plan to pay them off to lower payments, consolidate the loans, as well as line up the dates closer to my pay days ( biweekly ). 
On XX/XX/XXXX, the company took out {$350.00}. I did not agree to XX/XX/XXXX, I consented for them to take out on XX/XX/XXXX, my payday. This caused me to pay an overdraft fee through my bank. My next loan was supposed to be taken out on XX/XX/XXXX. However, on XX/XX/XXXX, they took out {$420.00}. 
As a XXXX this takes so much out of my income that I am struggling to pay for day to day expenses like groceries, gas, medical bills, car payment, etc. It seems that every time I talk with them on the phone to try to get things fixed, it ends up worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson , LLP, stating that I owe a staggering {$96.00} for a seemingly trivial {$9.00} toll balance from DelDOT. The first issue that came to light was the fact that XXXX failed to mail the invoice on time, thereby depriving me of the opportunity to dispute the toll within the allotted time frame. 
Given the circumstances, I promptly attempted to raise my concerns with Linebarger Goggan Blair & Sampson , LLP, only to discover that they do not provide any option to dispute the toll. Feeling helpless, I decided to verify the violation myself through the Delaware XXXX Pass webpage, using the Toll Violation ID number provided, but to my dismay, it did not yield any valid violation. The letter states that the trip date was XX/XX/XXXX. 
What adds to the complexity of this situation is that the toll violation is connected to a trailer license plate that my company leases to a trucking company. While it is the responsibility of our customer to bear the invoice at the time of the toll violation, I am currently unable to address this matter effectively due to the lack of cooperation from Linebarger Goggan Blair & Sampson , LLP and XXXX 's directive to deal with them directly. 

Therefore, I kindly request that you investigate this matter thoroughly and take appropriate actions to rectify the situation. I urge Linebarger Goggan Blair & Sampson, LLP to reconsider their stance and provide a means for consumers like me to dispute toll violations promptly. Additionally, I request your assistance in liaising with DelDOT to address their shortcomings in issuing invoices on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I continue to be contacted about an 11 year old Wells Fargo debt that was settled six years ago in collections. 

I've had at least three new collections agencies call me and threaten legal action in the last year. They say they have mailed me a summons, they say someone has come to my house with a summons and I ignored them. They say I will be taken to court and my wages garnished. Now a new one is calling. They call and disturb my mother 's house. The new # is XXXX They start yelling on the phone and talking over you when you try to explain that it's taken care of. They tell you it's too late. You tell them to take your number off their list, they continue to call and bother my mother. They are even calling my sister who has an old phone # I haven't used in almost 10 years. 

It seems there is no way to stop this never ending cycle and it's all Wells Fargo 's fault, since they were hacked it's all started happening.

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 2023-08-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this Rapid Rewards account for some time, and pay it off every month. In the past I have made multiple payments, with the intent to avoid finance charges and pay the balance in full by the billing closing date. 

The last payment of {$3700.00} made on XX/XX/2023 was to XXXX  out the account balance. 

When I contacted Customer Service, I was informed the full balance needed to paid by the due date. This is not how I have been managing my account before with paying the full balance by the closing date to avoid the finance charges. I requested a courtesy adjustment of the {$210.00} and acknowledged I would pay the balance off by the due date going forward, but was declined. 

As you can see by my account history, I have only carried a balance forward maybe 1-2 months, and found this service unacceptable, especially when I pay for this card. If this is not resolved in my satisfaction- I will use my other credit card that offers better service and perks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get assistant from RUSHMORE LOAN MANAGEMENT SERVICES for an extension of the COVID 19 for the last 2 months. On XX/XX/XXXX, th I emailed them every single document that they requested. 

They have NEVER sent any letter to me. They will not extend any COVID 19 plans unless you apply for a workout options. Every lender in America will extend your COVID 19 plan without this game that RUSHMORE plays. I am unemployed, don't have money. I sent them the pension benefit award letter, PLUS two months bank statements. The last bank statement was XX/XX/2021. I applied on XXXX It is now XX/XX/2021, and they are saying that my bank statements are over 30 days old. NOT TRUE. They were 7 days old upon application. 

Its just a joke to work with this servicer. They are legal mafia. They do not want to help. 
They are telling me my bank statement that was the MOST CURRENT ONE AVAILABLE on XX/XX/2021 is not valid. That statement was only 7 days old, and it it shows the SS deposit. My next bank statement does not even come out until later this week, which then they close your file, tell you that you did not submit documents in time, and start again. 
ZERO HELP. I am attaching the documents for you to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Meade Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received dental cleaning services at XXXX XXXX XXXX XXXX. I had dental insurance through XXXX XXXX and the provider verified my insurance and advised me that it would be covered 100 percent. 

Some few weeks or months later, the provider sent me a bill. I disputed the charges because I was told that it would be covered 100 percent. If I knew that the dental services would not be covered 100 percent, I would have cancelled my appointment. 

XXXX XXXX XXXX attempted to collect payment from me and I explained to them what happened. 

They retained an attorney and filed a lawsuit and attempting to collect more that what I was told by the dental provider that I owe after the services This is just like XXXX invading XXXX and these charges are not justified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for a credit card on line for {$30000.00} Online on the Bank of America website, the application was not approved immediately, Subsequent it was approved for a lower credit limit without notice to me. 
Without my consent Monies were paid to two of my credit cards and a fee of {$390.00} was charged to my card. 
I received notice of the said transactions only on the XXXX of XX/XX/2023. 
I objected to the transactions by my letter dated the XXXX of XXXX to the bank CEO. 
Received a call from XXXX of the CEOs office, I offered to payback all monies immediately to the bank in return, for the fee to be returned. 
I have not received any reply from the bank. 
My credit card number 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 2022-11-04
Company: Experian Information Solutions Inc.
State: CT
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: GOLDMAN SACHS BANK USA
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:
Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached, the usps post master also stated mail forwarding was in place to several abandoned buildings. 

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. 

XXXX and XXXX XXXX are battling for me against XXXX and XXXXGreensky . Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

The 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. 

These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too Experian : XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX/Greensky Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX ) XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2019-08-05
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:
I called XXXX  and Experian and was told to send in all my documents to sow that i fraud committed against me.So i sent everything in and i still see the accounts on my credit

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 USCS 1681. 

These are the inaccuracy to stopping me to get the ability for apply new Car Loan, applying for the credit cards or in the future to apply for a Mortgage or personal Loans, All of these Accounts has violated my Rights. 

These are my CLOSED CREDIT CARDS with Account Numbers : 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 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 account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 S -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