BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had XXXX contact me by mail via a debt collector, about a debt from XX/XX/XXXX, back in XX/XX/XXXX. I  refused to pay the debt because I do not owe it. XXXX bill you a month ahead of time. So the last bill that they send you is the bill for the following month. so they resulted to dealing with it through a debt collector. The previous debt collector kept sending me bills in XX/XX/XXXX.That debt collector was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX XXXX. I disregarded them since I didn't owe the debt. I didn't here anything for a year or so. then on XX/XX/XXXX of this month I received a notice on my account with XXXX XXXX service I have with XXXX that XXXX requested to close the consumer account on my credit record. Then I started receiving phone calls and bills from a debt collector. The name of the company is named EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX. I informed them that I didn't owed the bill and I wasn't paying it. So on XX/XX/XXXX the file a report with the credit agency XXXX. I'm not sure whether thy filed with the other credit bureaus. But anyway the reason for my complaint is that this company is ruining my credit record by filing the report every week. They file the same report for the same bill, three times in three weeks. They filed the same debt on my credit record on the dates of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year, XX/XX/XXXX. They also informed me that they are going to continue to file this same report on my credit record every week until the bill is paid. Which will means that my credit will ultimately be ruined, over a bill I don't owe. I don't now what else to do!!! Is this legal? Are they allowed to do this? What can I do? Please help!!! Can they do this, file the same bill more than once on my credit report? Below is attachment of the credit record : Credit Report Alerts XXXX Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} Updated tradeline XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Account closed at consumers request $ USD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, on the Chime platform, I linked my father 's XXXX account for a XXXX $ withdrawal. 
On XX/XX/XXXX, Chime put my account on hold for suspicious found on a transferred amount " we identified some unusual activity regarding the amount and / or origin of certain funds which has been posted to your account ''. 
On XX/XX/XXXX Chime requested further documentation which i provided the same day which included my ID and confirming that I did not have a utility bill under my name because i am currently living at my parents '. 
On XX/XX/XXXX no answer received from Chime and same email was sent to their attention. 
On XX/XX/XXXX Chime closed my account not taking into account my attempt to find a resolution to the issue they raised. " after recent review of your account we found that it does not comply with the terms of the deposit account agreement. The account has been closed by Chime and is not eligible for a refund. '' On XX/XX/XXXX I contacted the Chime Member Service asking me to send a photo ID, a bank statement reflecting myself as an authorized user on all external bank account on from the XXXX account. 
On XX/XX/XXXX I sent the document - my photo ID/ the account XXXX on my parents names/ the XXXX statement where it appears the amount transferred. 
On XX/XX/XXXX and XXXX i followed with Chime with emails to received acknowledgment of receipt of my documents and asking for a response. 
Overall i received many automated emails but no one tried to reach me for finding a resolution to this situation. 
End of day XX/XX/XXXX no answer received and no resolution found. 
I found that many clients of Chime have been exposed to similar issues and decided to ask for your assistance for finding a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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:
I utilize XXXX  to stay updated with my credit score. Recently two reports have been listed in my XXXX  and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both XXXX  and transunion, which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.

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 2023-09-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My issue is with Navient. 
I have two accounts the first one is as follows : In the past 4 years ( this is only how far back I can see with XXXX XXXX ) I have paid {$15000.00} on a {$18000.00} loan and they are still showing I owe them {$19000.00}. My balance went up by XXXX. I had three missed payments between 5 to 7 years ago and I don't see how they could be charging a {$20000.00} late fee. 

The Second one is for a loan for {$5000.00} that shows I owe {$5800.00} ( XXXX ) In the past 4 years I have paid them {$4500.00} Please keep in mind I am only able to see back 4 years with XXXX XXXX If I recall I took over paying them when they were past due by 3months around 7 years ago and have never missed a payment since. That would mean I have paid a total of {$34000.00} on a total loan amount of {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Incomm Holdings Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
So I have been trying to use this XXXX prepaid Visa and it keeps declining it everywhere. XXXX can't link it to my XXXX pay, XXXX, or anything. I even tried buying a XXXX card with it, so I could complete my transaction, from XXXX XXXX onlineXXXX XXXX  online, and XXXX and nobody is accepting it. It says the card is active and that there is more than enough money for it, but it keeps getting declined everywhere. I also have a XXXX  master card that has been doing the same exact thing. I tried calling the company and all they told me was well at least it has money on it for a different purchase. When XXXX ) no I bought this card to make this purchase. And XXXX ) why the XXXX are these people allowed to sell cards that claim you can use it for online purchases when NOBODY will accept them. And I don't even think it is a matter of places accepting them, it has something to do on the card company 's end. So I have over XXXX dollars that I needed to be able to make my purchases and now I am screwed because nobody accepts the XXXX things. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CITIBANK, N.A.
State: WI
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:
Cbna XX/XX/2022 XXXX inquiry I have no acknowledgment of this account or even create discount, or try to fill out for anything with this account. I tried reaching out to them. They said they dont see me in your system.

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 2020-09-30
Company: Nelnet, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attended XXXX University, XXXX, Minnesota, from XXXX XXXX XXXX, that school closed down for not distributing funds to students in XXXX. I requested about XXXX in student loans. My XXXX, after my military service was severe and I was unable to maintain employment or school. I ended up homeless for many years. I've been in and out of treatment facilities for my XXXX. My loans went into default. Starting XXXX, Garnishments from income tax returns and bi-monthly employment funds began. I was working as a Security Guard from XXXX. After hiring an attorney to assist me in my compensation claim, I finally received my 100 % permanent and total XXXX. My VA counselors informed that i would be debt free. Any debt I had would be forgiven. Along with my student loans. AND any money that was garnished would be reimbursed back to me. I spoke with XXXX, XXXX XXXX XXXX XXXX, and they confirmed that I would be receiving the money I paid into my student loan. XX/XX/XXXX, my student loans were forgiven. Nelnet informed me that I paid XXXX into my XXXX student debt. XXXX XXXX I spoke with XXXX a supervisor, id : XXXX, and he informed me that no funds had been Garnished. I was told in XXXX that I had paid XXXX XXXX And I would be receiving those funds back, because of my 100 % permanent and total XXXX rating connected to my military service. I was also awarded a XXXX XXXX for my service in the XXXX XXXX from XXXX XXXX XXXX. Just typing this out, gives me goose bumps and brings tears to my eyes. XXXX confirmed I would be receiving a refund. Now, they're saying I never paid anything into my delinquent student loans. ANYONE with a student loans knows for a fact, that if you go delinquent, they'll take your soul if you allow them to. But, garnishment of income tax returns, and wages is much easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: ECMC GROUP, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The servicer contacted me back XX/XX/XXXX of last year and told me that my loan was due for repayment. I specifically asked them to send me any original paperwork bearing my signature from the original date of loan. The representative said they do not provide that information and I will have to repay the loan without them validating the signature on the loans.

I have sent them a letter in XX/XX/2018 requesting the same information again and never heard from them again. I received a letter on XX/XX/2018 stating they are proceeding with wage garnishment without following proper Federal code ( 4 ) ( h ) ( 1 ) ( B ) Federal Rule to Civil Procedure of sending a summons to appear in court. I am sending them a letter in writing again with return receipt requested, asking for Original documents Bearing My Signature from date the loan was started. The loans were cancelled 1. XX/XX/2006 and loan number 2. XX/XX/2006. They were both cancelled on the same date. I didn't attend this school nor did I sign any loan paperwork for this institution.

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 2023-10-03
Company: EQUIFAX, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on these items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$910.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FIN Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2018-12-08
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:
I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

EXPERIAN : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX  XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel

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 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank Of America has entered into a consumer credit transaction with via using my social credit card defined under 15 USC 1602 to extend me my o n credit on multiple accounts. In the year of 2022 Bank Of America has committed ADVERSE ACTION and has discriminated against me and my RIGHT TO CREDIT as defined under 15 USC 1691 by shutting down my accounts and denying me a Granted Right which is access to extend credit. Bank Of America has been in violation of the ECOA and Tittl 18 USC 242 for denying me a federally protected right to extend credit and have access to credit. Bank Of America once aft er taking ADVERSE ACTION discriminating against me has reported false statements on my consumer report hurting my reputation and hurting my credit worthiness further negatively impacting my right to extend credit in the banking system. Bank Of America is reporting an alleged debt that arose out of a consumer credit transaction via a FINANCE CHARGE and is falsely reporting charged off accounts as Income on my reputation as defined under IRS Guidelines. Bank Of America has been given the opportunity to perform and provide VALIDATION of the alleged debts by providing key information that which if provided payment in FRN would have been made. Bank Of America has FAILED to provide lawful evidence of a Lawful debt and continues to furnish false statements on my reputation hurting my character and Right to Credit for personal and household needs.

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 2023-07-10
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: Their investigation did not fix an error on your report

Complaint:
I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from 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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent in letters asking each credit company, to send me a copy of proof where they got there information to verify accounts on my report. I have sent letters to them from XXXX and also the bankruptcy court, that clearly states that they did not report anything to the credit reports. They keep on sending my reports stating that they have verify this information as accurate, However, I have asked over and over again for them to send me a copy of who verified this information which they will not. I have sent them 3 different letters and no one will send me this information. I have also sent letters to them about Student loans that report different on all my reports and I have asked them to remove this also. Next, I noticed that they will not update the late payments that they claim were late, but in the slots allotted it only reports for one month. Which by law they have to report it every month and they have not. They can't just update this, it has to be removed and the late payments must be taking off. I would like proof that all this has been done. Also they are reporting a XXXX account that states on 2 reports paid closed, and on XXXX  account open. Which needs to be removed also.

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 2020-08-26
Company: FIRST HORIZON BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please see attached Letter Dated XX/XX/2020 Regarding CFPB Complaint Nom XXXX To Attorney XXXX XXXX Senior Vice President & Counsel First Horizon Bank Email sent to XXXX XXXX

Company response to consumer: Closed with explanation