BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Shellpoint Partners, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXXSpoke with Supervisor, XXXX XXXX and explained he acknowledges and explained that I was again given inaccurateinformation regarding sending in a typedletter by agent, XXXX XXXX and apologized for their mistake and negligence. Contrary to previous agents direction, he requested a letter be sent in and and specifieda hand signature. That request was done right away and sent over. Again, further delayed due to companies negligence. 

XXXXCalled to inquire about receipt of info. Spoke with agent and was told that the previous agent neglected to indicate that newly requested attached additional info should have been submitted. She apologized for the negligenceand I sent it over. Again, further delayed due to companies negligence. 

XXXX XXXX Followedup with XXXX XXXX to confirm receipt of requested letter. Again, No receipt, confirmation or acknowledgement. 

XXXXI spokewith XXXX XXXX and she requested a dispute letter and indicated that it could be typed. The dispute was typed and sent directly to her as advised. No receipt, confirmation or acknowledgement. 

XXXXTo Whom It may Concern : We were told by your agent that we would not be penalized due to the implications of the natural disaster, Ian, in XXXX XXXX Our account is noted that I was impacted by the storm during travel and was unable to work due to family placement. We are currently back on track and saddened that we were given misinformation which has further impacted me and my family. I am requesting that the payment be removed as late from my credit as I was misinformed by your agent. Please assist us with this matter. Kindly, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
Inacurrate and fraudulent accounts reported from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX   in 2013. I  lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-02-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Experian is in constant violation of my rights to privacy as a Consumer, in accordance with the FCRA I have constantly asked them to stop violating me under 15 USC 1681, 15 USC 1681 section 602, also 15 USC 1681 section 604 section 2 says they can not report anything on my credit report without my written consent, -FDCPA section 807 Violation misleading false reporting 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 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 2023-10-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm contacting you in regards to Account # XXXX with the company Credit Acceptance. I submitted a complaint on XX/XX/XXXX with the CFPB about this account, as a result Credit Acceptance agreed to close the account. According to the response on XX/XX/XXXX it was stated : Nevertheless, at this time, we have made a business decision to close your account. No further payments are owed. We will also submit a request to the three major credit bureaus to which we furnish information to update our reporting to reflect the account closure. Please allow up to sixty ( 60 ) days for this update to be reflected in your credit report. Although we will not delete the tradeline associated with your account, once we report your account as closed, we will no longer furnish information to the credit bureaus. Currently my XXXX account reports that the account is active, and have been reporting as late since the arrangement. I opened a dispute with XXXX and have yet to get a response. The inconvenience is causing a negative effect to my score in the process of me rebuilding my credit. I spoke to the credit monitoring department at credit acceptance yesterday and the the representative mentioned that it is a possibility not a promise that the account may be removed as of XXXX of XXXX. I'm asking that this account be removed from my complete credit profile via : XXXX, XXXX, and XXXX due to the violation and reporting false information. 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 explanation
Consumer complaint received 2015-12-30
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent the company Credit Bureau Associates several notices to advise them they are trying to collect on a debt I no nothing about. 

What I find immensely frustrating is that I have sent them several letters in this regard and they continue to ignore me and report the unknown account on my credit but it reads on my credit " creditor can not locate individual ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with  Suntrust Ba nk, I got a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship My account was closed after a payment was made by mistake and should have been reversed.   XXXX   XXXX   bill went through and should have been sent back but bank closed and paid transfer and then held account.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 2023-05-01
Company: Army and Air Force Exchange Service
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:
Between XXXX and XXXX of XXXX  ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX - filed a claim about an unauthorized transaction from XXXX XXXX with Chase claims department due to fraud activity on the XXXX  account. The bank closed the Debit card used for this transaction and issued a new debit card associated with my checking account. The disputed amount was {$210.00} XX/XX/XXXX - The transaction went through with Chase Bank in the amount of {$210.00}. 
XX/XX/XXXX - The transaction in question was reversed by the bank and the amount of {$210.00} was credited back to the checking account. XX/XX/XXXX- received a notice from the bank that the transaction in question was determined authorized by me and will be reversed. XX/XX/XXXX - the amount of {$210.00} was deducted from my checking amount as claim reversal transaction. XXXX - multiple calls to the claims department, customer service didn't provide any feed back, nor was able to explain how to upload evidence from XXXX  confirming fraud activity and that charges were removed from XXXX account. The explanation from customer service was that I authorized the transaction per merchant 's written response. Nobody has given me as a customer an opportunity to explain the situation or upload documents. 
Customer service is very rude and unprofessional, needs more training on how to handle claims, and does not care about customers at all. XX/XX/XXXX - spoke with Supervisor, supervisor confirmed the receipt of my proof that the charges were removed by merchant, re-assured me that the claim will be reopened. The status of the claim has not been changed. XX/XX/XXXX - spoke with another supervisor regarding the refund, explaining the situation - no resolution. XX/XX/XXXX- received another notice from Chase that the transaction was authorized by me. XX/XX/XXXX closed both checking and savings accounts with Chase. The merchant XXXX XXXX can not refund because the debit card has been changed and account closed. Attached are 2 notices from Chase and email from XXXX confirming that all charges are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having a substantial relationship with Bank of America, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one is sue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.

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 2023-05-01
Company: Self Financial 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:
Between XXXX and XXXX of 2021 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Sterling Credit Corp.
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 XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-15
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:
the employer information is wrong I have been with the same employer since XXXX and never report it. 
someone put realt mark associate this is a wrong reporting information please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have filed a recent CFPB complaint on Bank of America, I had my card reported to Bank of America as being lost and certain transactions I never did and nobody ever handled my issue and I was transferred constantly to department to department and I was ignored about my situation, I reported to several people and nothing resolved and my card was lost and I spoke to customer service and card services about it nothing done and I found the hard when my account was closed and nothing was sent to my house to inform me that the account was closed I just recently had a woman from the compliance department call me an antagonized me on the phone and called me a liar I 'm going to file complaints with other agencies about this situation when I tried to explain what happen I was called a liar and said I made transactions in when I told her I did n't she admittedly went off on me and sent a correspondence to cfpb which I want a supervisor to give me a call because Bank of America did not resolve my situation I do n't appreciate how I was treated I will other complaints this tells I ca n't trust Bank of America do to the fact of how my situation was ignored and how it was handled by the rep which when I ask to speak to a supervisor I was hung up on I 'm very frustrated and angry because I reported what happened to me and nothing was done but I was accused by the rep that called and did not listen and did not care I want a supervisor call me or I will get in touch with corporate to file a complaint against the rep

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 2022-12-14
Company: EQUIFAX, INC.
State: CT
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:
Addresses added to my credit report that I do not reside at, incorrect balances reported. 

My social security card was stolen was I was XXXX so my information could be all over the world. 

I have full faith and credit due to XXXX  XXXX 

All debts are to be discharged by the government.

Real money is gold and silver. 


These companies are agencies and not bureaus which is false advertising. 

I do not consent to have my information shared with anyone. 

My social security card is a credit card and it has unlimited credit. 

I have full equity in the birth certificate and social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: CA
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 information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts 5+ different institutions. 

I have locked all my credit bureaus.

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 2023-05-01
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX XXXX, MN, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported on or about XX/XX/2021 in the amount of {$1700.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Minnesota.

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