BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For over a 5 year period I've been making payments on a student loan that I'm unaware if the payments are credited to the outstanding balance. Also, on several occasions I requested statements of the balance, however, I received no documentation stating an accurate account of interest, balance and terms. 

My loan was sold to Navient, when I was employed as a school teacher and I was in a forgiveness program ; however, after my loan was sold, the loan was no longer recognized in the program, the interest and debt owed, was increased to the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXXT ACCOUNT # XXXX AND XXXX XXXX XXXXXXXX ACCOUNT 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. CONGRESS MAKES IT CLEAR THAT I HAVE A RIGHT TO PRIVACY AS A FEDERALLY PROTECTED CONSUMER! YOU CONTINUE TO VIOLATE AND DISRESPECT MY RIGHT TO PRIVACY WHICH IS A DIRECT VIOLATE OF THE FCRA AND THE GRAMM-LEACH BLILEY ACT . I DID NOT CONSENT OR AUTHORIZE FOR YOU, OR THE PEOPLE MENTIONED BELOW TO USE OR SHARE MY NONPUBLIC PERSONAL INFORMATION.

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 2022-03-03
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-11
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: Personal information incorrect

Complaint:
This is AN AMENDMENT TO FILED COMPLAIN NUMBER XXXX additional information to previously filed complain, I am referring to complaint number XXXX. 
Attached I am adding proof and verification of employment termination at the XXXX XXXX XXXX and XXXX XXXX therefore SHALL be delete ANY inaccurate information about employers in my file. 
I am requesting to delete both employers from my record since is a disgrace for to have them in my record considering both of them had active participation in identity theft and criminal activities to do wrong on me to cover an spy of their choice. 
All others dispute item remains in disputing until fix and clear my credit report. 

DELETE XXXX XXXX XXXX FROM MY REPORT, it has been more than 10 years I used to work for them, and after 7 years those records shall be deleted is inaccurate. I dont want that XXXX entity in my report, deleted DELETE XXXX XXXX FROM MY REPORT. AS THEY REFUSED TO KNOWING ME AND TO PROVIDE ANY REFERENCE ABOUT ME, AND PARTICIPATED ON IDENTITY THEFT CRIMINAL ACTIVITIES IN MY OPINION I DON'T WANT THEM IN MY REPORT NETHER ITS A DISGRACE FOR MY RECORD.

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 2022-03-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2021 I made an agreement to pay {$100.00} per month for my account. Since that time I have been paying {$100.00} biweekly, which is more than I agreed. This company is reporting that the account is behind which is causing derogative marks on my credit. I have not missed a payment arrangement and I have been making more than requested.

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 2022-09-19
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:
This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 

This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! 

This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/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 non-monetary relief
Consumer complaint received 2018-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged a monthly charge by a company I don't know or had not done business with. The charge started back in XX/XX/XXXX and it went on for about 4 to 5 months ( {$170.00} ). I contacted this merchant and they could not find me in their database even though I provided name, address, my Bank of America account number ( s ). They suggested I contact  Bank of America. BofA accepted my claim and provided a temporary credit while they investigated. More than several weeks ( about more than 2 months ) without hearing back from BofA and thinking that they had made the credit permanent, they ended up sending me a notice saying that these transactions were approved and authorized by me and no further explanation and not even identifying the name of the merchant. In other words, no basic explanation of any kind was provided in BofA 's letter. I can tell you with certainty that I am 100 % positive BofA or the merchant have no evidence that these transactions were approved. 
My acct # is XXXX XXXX. Claim number is XXXX. I am complaining for two reasons, BofA inability to conduct a valid investigation or proof that I approved these charges and two the length of time it took them to resolve which I suspect is beyond what's allowed by regulatory requirements.

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 2018-03-08
Company: Rocky Mountain Capital Management
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I called the company XXXX XXXX XXXX to settle a small loan I made and requested the detailed, precise amount I owed to close that account for good. 

They told me the amount, which was paid AND confirmed, BOTH by them and my bank in the amount of ( XXXX USD ) XXXX XXXX XXXX Debit XXXX Web ID : XXXX - XXXX in the city of XXXX, at a XXXX location, When I take those loans at exorbitant and immoral interest rates, I MAKE SURE I keep them for a VERY SHORT PERIOD. This is why when I got paid it was the first company I called. 

After one year of RADIO SILENCE, a company called XXXX XXXX XXXX calls me on XX/XX/XXXX to say that I owe them over ONE THOUSAND DOLLARS at a 300 % interest rate AND COUNTING. 

The company XXXX XXXX has acted in malfeasance, whether in bad faith or by gross negligence. In the case of human error, that is understandable, and theres plenty of evidence of cases like this ; if in bad faith, it represents an indictment to a larger picture of the way in which this company conduct business in fraudulent manner. 

I am a full-time XXXX with little time to sleep, basically no money, approaching graduation, how am I supposed to defend myself against such a corrupt, lying, disgraceful business. This company should disband and get out of business. 

I already used my precious time to send a Cease and Desist letter to stop any attempts to collect, contact, and persist on any communication in regard to a non-existent debt. 

It is also a demand for immediate credit repair for any issues related to credit report companies in regard to this matter. 

A year after parting company with this disgraceful loan shark operation called XXXX XXXX has left me outraged and I wish no apologies, except for a full repair, credit-wise, and a letter of settlement. Theres no apology that would ever offer a hope of redemption for a company that charges over 300 % of interest as a business model, and who infers that I would be a fool to hold on to a 300 % interest loan for over a year.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2023-08-15
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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Started on XXXX XXXX, XXXX. tried to use activated card an purchase denied. Called Bank of America and they said there was no problem, go ahead and use card. Tried again and still did not work. Called again and said everything ok. tried again after very long wait and still nothing. Had to use other means to pay... very embarrassing. 
This happened several times over the following weeks. I have made many calls and wasted many long minutes ( hours? ) dealing with problems not of my origin. 
On XXXX, XXXX, I tried to make my first payment and found it virtually impossible on the App without starting a Banking account. Everything led to starting a bank account. Tried to make payment using my Debit card, but they refused. 
Finally had to call and give my Bank account and routing number to make the payment. 
Accidentally gave wrong account number but was not informed until the XXXX, after payment was late. 
Bank of America then put a hold on my account and lowered my limit BELOW what had been purchased, then wanted a larger payment. ( XXXX XXXX ). Called and spent another 40 minutes giving correct info and making payment. Card has been on hold since, and limit lowered. 
Called again on XXXX and arranged for hold lifted and limit restored. They approved and additional XXXX dollars as well added to limit. I was told to wait two days to take effect. 
Monday, XXXX, XXXX, still unable to use card. Called again and was told that I would be receiving a letter denying the request, even though it had supposedly been approved the previous Friday. 
I have been put into too many difficult and embarrassing situations because of this bank card, and will never recommend this Bank OR card to anyone.

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 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is misrepresenting my debt, allowing the debt to incur outstanding interest before charging off. Ive have tried to contact bot no resolution. Them not charging off debt is only allowing for more interest charges to incur so it can amount to a huge amount that is far from original amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report ''. I've already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account 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 2018-10-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2023-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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