BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
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 status incorrect

Complaint:
XXXX  XXXX is inaccurately reporting derogatory status to the credit bureaus. On my XXXX and Trans Union reports they are reporting 30 day late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To XXXX they are only reporting 30 days late on XX/XX/XXXX. Pursuant to FCRA 623 ( a ) ( 8 ) ( D ), a creditor is to accurately report to all 3 credit bureaus. XXXX XXXX has failed to do so

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 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Application # XXXX ( Discriminatory Practices ) I applied for a credit product with Bank of America on behalf of the XXXX XXXX XXXX XXXX on Saturday, XX/XX/2022. I was contact the next morning ( Sunday ) by banking representative XXXX XXXX. He asked if I was aware that any balance would need to be paid in full at the end of each month. He stated that he would send me a link via XXXX to submit an Authorization to Borrow on Behalf of the Business form that needed to be signed by 2 board members. He also stated that I would have to submit a profit and loss. I advised him that we were a not for profit corporation with 501C3 designation and that we did not have profit or loss. He stated that he just needed proof that we were in compliance with the IRS. I stated to him that we are required to file an annual Form 990. He stated that was sufficient. We were unable to upload any documents and soon learned from XXXX IT Helpdesk that XXXX XXXX only gave us viewing capabilities and not access to upload anything. We were advised by XXXX IT Helpdesk to fax the documents over as we did. A few hours later I received an application denial via email. This morning XX/XX/2022 I received a phone call from XXXX XXXX requesting that I submit a profit and loss. He even suggested that I send him a list of donations which was out of the ordinary. I refused; reminded him that the calls were recorded, wish him a good day, and we both disconnected the call. Please note that I had already received an application denial email on yesterday.

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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute with trans union on XX/XX/2017 and it is still pending. It is with XXXX XXXXXXXX XXXX. I had sent XXXX XXXX an affidavit of fraud as well back then and they have not gotten back to me as well. I can not file any other disputes at this time because this is taking so long.

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 2023-05-04
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from XXXX  regarding late payments or my account going into default this account is showing as a charge off on my report XXXX XXXX is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I Filed a fraudulent loan complaint with Sallie Mae and was told that they could not confirm fraud. I submiied a copy of the loan application which contained my incorrect property address, an incorrect e mail address, incorrect banking information, and incorrect employment information.They said that based on prior conversations that I had with them led to their decision to deny my allegations. The only thing I stated to them was that I was not going to pay the loan. I did not want to state at the time that the loan was fraudulently obtained by falsifying my e signature.My daughter had access to all of my information and so did my granddaughter who was applying for the loan.The loan app was completed with my wife 's email which my daughter and granddaughter had access to.My contention is that anyone who has your personal information can cosign for a loan with the click of a computer key. How can you prove that it was not yourself who did that? E signatures should only be used to apply for a loan and to generate disclosures. The actual loan agreement should require a notarized signature for all obligated parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Originally it was a transaction dispute. The bank and I discussed me getting a new replacement debit card. I explained it needed to be rushed delivered because XXXX day was approaching. I didn't know it would be the very next day. XXXX came rung doorbell once and didn't give me time to get to the door they left a door tag. I immediately called XXXX and they explained it would a second attempt then would go back to sender. Few days go by and I decided to go to the local bank. The bank tells me they don't have a debit card for me and to call XXXX back. I call XXXX back and they're telling to go pick up card at a drop-off in XXXX. I go to XXXX and they're telling me they don't have it. Then I call the bank back. By this time I'm livid because of the run around. I was hung up on numerous times by bank representative. I have called the bank numerous times and finally I get debt card yesterday. It took XXXX weeks for me to get and when I tried to activate card it's been reported lost or stolen a dead card. I call to find out what happened. I was rudely hung up on again and still don't have my debit replacement card.

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 2023-07-27
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:
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 items listed 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX OF XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2022-12-30
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; 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 2022-12-30
Company: EQUIFAX, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2023, I had already notified Comenity Capital Bank of a mis-charge with the XXXX credit card account. I spoke with a representative of Comenity Capital named " XXXX ''. I told him that I notified XXXX that I didn't need the XXXX XXXX XXXX treatment because their company didn't honor the service when I purchased a bedroom bureau from them. According to the Service, XXXX was supposed to have a third company deliver my product to my home and place it safety inside where instructed. The delivery service contacted me and told me that they couldn't deliver the bureau to the 2nd floor bedroom in my house due to Covid restrictions and wanted to leave the bureau in my driveway. 

I told them that was impossible because I couldn't transport something that heavy up the stairs to the 2nd floor rear. No one in my house had/ever had Covid, and everyone in the house was XXXX. They refused and I told them to return the bureau. I contacted the Company for a refund and received a refund for the bureau but not the Service. 
I asked for a cancellation of the Service but the Company ( XXXX ) wouldn't remove it and kept charging me " late fees '' on a " XXXX '' service for non -payment. I contacted Comenity as stated above and " XXXX '' seemed to understand my problem and apologized repeatedly for the continuing late fees and non-cancellation of the Service. He stated that I would received further communication from the Bank as they researched the problem and that I would receive no more bills for late payment. ( This conversation should be in their database as recorded conversation ). 
I received a dispute letter from Comenity Capital XXXX XXXX XXXX XXXX XXXX referring to the previous contact with their representative and it stated to wait until they contacted me at the conclusion of their investigation. I have the original dispute letter which I am going to upload to my credit reporting companies. Since XXXX XXXX XXXX no further communication was received from Comenity Capital just bills from XXXX incorporating higher amounts in late fees for non-payment of the XXXX XXXX XXXX I never received. 
This situation with XXXX and their banking company, Comenity Capital is causing me severe damage in my credit score ( XXXX down to XXXX ) and prevented me from obtaining a XXXX XXXX XXXX XXXX XXXX XXXX due to the low score ( I will also upload the XXXX letter to the credit reporting companies in a dispute ). 
Please help. All I see is greed, greed, greed on their part destroying a formerly great customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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 status incorrect

Complaint:
This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX never had a legal binding contract with me. They failed to disclose certain information in the TRUTH IN LENDING DISCLOSURE. They failed to tell me i was giving power of attorney over my financial assets and i have all the proof and evidence. I have made this final complaint to PUT XXXX ON NOTICE THAT I WOULD LIKE TO TAKE THIS MATTER TO ARBITRATION OR CIVIL COURT. If more information is needed please call.

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 2022-12-30
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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : 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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2023 my girlfriend signed over a check to me so I could mobile deposit the check in my chase bank account. The check was for XXXX. The check was cashed into my account but they froze my account due to which they thought was fraud according to their policy. I tried talking with customer service everyday since then trying to verify my girlfriends phone number. They said that her name needs to match up with her number to verify the check. She even went to the lengths of getting her own XXXX plan to make sure her name matches up with her number. They are giving us a run a round. It'd highly I'mpossible to have her name match with her number. She has documents stating it's her number from. XXXX. They can't tell us how to get it verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2018-04-25
Company: EOS Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
EOS CCA have called my number XXXX XXXX XXXX several times which is my only contact phone number, usually call from a local number probably to try and get me to answer but I don't answer any number I don't know. Called back a couple times and the lady just said hello and nothing else stating the company, I think one time she said my name right after answering. I looked up number to find complaints from people to find out who the number belonged too. I did get an automated voice recording one time I called back that said EOS CCA. If they are calling for me which I assume they are or my mother XXXX who lives me then I have no idea why because nothing has came in the mail from them stating any debt owed and that it was with them. Nothing. No one is going to pay on a debt or even talk to someone about a debt that they have no idea what it is or have not received notice in the mail. Tried to send message from their website but it won't send.

Company response to consumer: Closed with explanation