BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: National Recoveries, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1 ) The U.S. Department of Education sold my financial information to a collection agency named National Recoveries , Inc . I just found out about this company. They are a third party debt collector. They fall under the FDCPA. I do not have a contract with them. 

2 ) The U.S. Department of Education/National Recoveries Inc has been collecting on a debt already paid. They have been reporting false information to consumer reporting agencies without my consent. 

Pursuant to 16 CFR 433.1, 433.2 and 433.3, I, as a debtor, am asserting my rights, the alleged debt was paid in full with my master promissory note which is a negotiable instrument. 

16 CFR 433.2 ( a ) - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-05
Company: EQUIFAX, 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:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I received a credit alert that my XXXX account was reporting 60 days past due. I do not currently, nor have I ever had an account with XXXX. I reached out to them to alert them to the fraud and ask for their assistance with my investigation. 

The representative told me she could not provide the information on the existing account that she found, and that she could only relay it to the appropriate department. She also could not give me any information on what department that was or how I could get in contact with them. 

Further, she could not give me any documentation to relay to the credit bureaus regarding an open investigation.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am no longer liable for this debt with this accounts because this is already under BANKRUPTCY. I attached the letter from the bankruptcy court and XXXX XXXX  for you to remove it asap

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 2023-03-09
Company: EQUIFAX, 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:
A XXXXXXXX XXXX card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a letter at my home address that I opened a credit card under PayPal with an available credit of {$2000.00}. I called PayPal on XX/XX/2020 and notified them this was an act of fraud. They canceled the card. There was an email attached to this act that is not mine and I do not have access to. About a week prior I received a card in the mail from XXXX that I did not apply for. I also saw transactions on my debit card from XXXX that I did not complete. I called my bank and they credited my account and sent me a new card in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an email from Bank of America informing me that my account status had been changed and my bill payment function had been deactivated, as per the attached file, on Friday night ( XXXXXXXX XXXX XXXX XXXX  ). I attempted to contact customer service to resolve the issue on Monday morning ( XXXX ), but my call was transferred multiple times without any resolution. Despite spending over 2 hours on the phone, I still have limited information about my account status. One associate said that my account had been " investigated, '' but he did not know the details. This restriction on my account prevents me from making payments for my rent and other bills, which really causes frustration and inconvenience. 

Additional information : I am XXXX XXXX XXXX XXXX at the University at XXXX, and I deposited my scholarship paycheck of XXXX XXXX XXXX including tuition and living expenses ) last Wednesday ( XXXX ). I am unsure if there is a connection between this deposit and the account restriction, and no associate was able to confirm this.

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 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have submitted my identity theft package over several times and nothing has been updated on my account. I am XXXX and this is XXXX me out along with my baby.

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 2023-07-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Discover bank still has my XXXX credit card attached to my XXXX wallet they wont remove the card from my phone. The account has been closed and sold to a debt collector. Ive contacted the company and I got transferred to somewhere in XXXX and this happened of XXXX but around XX/XX/XXXX and discover when I called them up they have no acknowledged my account but the wallet is stuck in my XXXX XXXX and they they tell me that they cant remove it from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Portfolio America Asset Management, LLC
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 have suddenly started receiving collection calls from PORTFOLIO RECOVERY A Since this is new to me I checked my credit report, I have the app on my phone and check it nearly everyday. I have seen nothing on any of my reports until this happened. They call several times a day, even on Sunday and from numerous cities and states. 
Upon checking the 3 credit unions I discovered it was added to all three on or about XX/XX/2021 yet they have been calling non stop for about a month now. 
The only information I have is what is on the report XXXX AMOUNT XXXX DATE OPENED XX/XX/2021 # 1- The only account I have had for several years with XXXX is XXXX and I still have it in excellent condition # 2- If the account was not opened until XX/XX/2021 then HOW was it put on my credit report 5 { FIVE } MONTHS EARLIER I have never even been notified of this until now

Company response to consumer: Untimely response
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Recently I received the findings of a false reporting in my credit report. The credit Bureau XXXX was asked to name there source and supply proof of the debt. This was not supplied the private source was never mentioned in the company response. The company also stated that the courts are contacted and this is not truthfull I contacted the courts and due to law they are not able to discuss any debt legitimate or not to any one outside of a consumer. Please remove this false bankruptcy off of my credit profile as the vendor was not supplied as asked and is reporting unverified information as confirmed with the nc court system. The courts provided a document stating that they are not at liberty to report to any credit agency private or public as they are not creditor. This debit is not valid and must be removed immediately.

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 2022-12-06
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, I want to inform you that I could not provide you with the name and contact information of my loans investor because my Servicer refused to give it to me by phone or email. 

Attached I am sending a copy of the letter I sent to Specialized Loan Servicing formally requesting the investor information. I understand that cases have due dates for submitting data, but it has not been easy for me to deal with my Servicer. 

I would appreciate it if my case remains open until we receive an answer from my Servicer. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone number XXXX XX/XX/XXXX, XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX # XXXX. Your letter dated XX/XX/2022 Property Address : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Certified Mail # XXXX Dear Servicer : The Consumer Financial Protection Bureau requires the contact information of the Investor of my loan ( # XXXX ). I called several times to get this information by phone, and finally, your customer service agents instructed me to send a request in writing. Thus I would appreciate it if you could send the following information as soon as possible Investors name or company name. 
Mail address Phone number Contact name, email address, phone number, and address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX 
XXXX XXXX. 
Consumer Financial Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
On XX/XX/2019 I paid the remaining balance of my Bank of America credit ending in ... XXXX. Balance showed {$0.00} so I called B of A and closed my credit card. They have confirmed it closed on XX/XX/2019. I had since cut the cards as the account was closed. 

Today I checked my credit score and saw there have been lates of 30, 60, 90, 120 days from this credit card. It shows a balance of {$37.00}. B of A charged me without my knowledge interest on the credit card on XX/XX/2019 after the credit card was closed and did not notify me. 

I spoke to a B of A representative at my local branch and he said B of A should not have charged the interest after a credit card has been closed. I also called their credit card department and they verified the interest was charged after closing and no such contact was attempted to notify me. 

Thank you. Please let me know.

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 2021-09-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Chase bank in the XXXX branch. I had recently filed a fraud claim for {$730.00} and was surprised to find that the bank had rejected my claim. On XX/XX/XXXX, while I was on vacation with my family, the money had been transferred to a XXXX  XXXX bank account, a company that neither me nor anyone close to me banks with. While on vacation, I had to spend a day closing my old account and opening a new one, as well as taking steps to ensure my account was more secure from outside interference. I was really shocked when the bank rejected my claim, because there was absolutely no way for that transaction to take place. The banker that we talked to while on vacation assured me that there was almost no scenario in which I didnt get my money back, so imagine my surprise when, about two weeks after the original incident, I saw that the funds that had been added to my account had been removed once again. That was money that I had planned on using for XXXX XXXX and I would really appreciate some help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the fair credit reporting act these companies have violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2018-08-13
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ XXXX toll close to the XXXX, he demanded my credit card upfront for payment, ( first my American Express ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my XXXX XXXX card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions where made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had Amex on the phone while he was still driving me and he was harassing me the entire ride, I made sure the Amex rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account from a collection called TSI transworld system placed an account on my report that does not belong to me..i explained it to the representative and the credit reporting companies but the are very rude and wont remove it.

Company response to consumer: Closed with explanation