BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems , Inc has failed to properly submit verification method of a debt that the original creditor placed on my credit report in XXXX of XXXX. Last payment that was paid on the account was XX/XX/XXXX in which the statue of limitations for the State of Texas is a total of 4 years. 
Its a violation of the collection practices act for a debt collector to refuse to send a fail to respond to a verification letter. Relying on an automated third-party system called XXXX is not a valid method of verification according to the Fair Debt Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Attached data. XXXX ( as one example ) shows no payment amounts being paid when I clearly have been making payments. Monthly. Sometimes twice a month. Also, my balance is incorrect on all 3 credit bureaus which impact my credit utilization and I want to apply for a mortgage soon and I need that to be fixed. The credit card is paid off each month. It's bad enough that Capital One continues to keep my deposit and keep this as a secured card after four and a half years of consistent payments on Time payments and excellent payment history when I have a XXXXXXXX XXXX that gave me an unsecured card and increased my limit three times in one year. Why does capital one refuse to return my security deposit and make this an unsecured card? They give me no explanation and I need an explanation that is clear and accurate. I also need payments that I made to be reported accurately on time and balance has to be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, enhanced recovery company attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. This debt was posted on my XXXX and XXXX  credit reports. 
I was un sure where this debt came from, given the fact that I have not had any type of XXXX services for 10 years. I requested debt validation in XXXX of XXXX from Enhanced Recovery Company, to which they never responded. It has been a year and this debt that I am not responsible for remains in my credit file. This is not my debt and I would like it removed off my credit report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
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: Was not notified of investigation status or results

Complaint:
I wrote a letter to EQUIFAX on XX/XX/2020 asking them to investigate some accounts. They responded on XX/XX/2020 that the accounts were verified. I asked for a description of the procedures on XX/XX/2020 and have yet to receive a response at all with the information requested. Here 's the list of accounts. 
XXXX XXXX XXXX XXXX balance {$5300.00} US DEpt of Education $ XXXX XXXX {$760.00} XXXX XXXX {$6.00} XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I received a letter from this company stating I owed XXXX to XXXX XXXX. However, I had been in communication with XXXX   upon me moving out as they were going to put my apartment on the market as soon as I moved to try to get a someone to rent it out before my actual leasing date was up. I moved out 30 days before my lease was up due to miscommunication on their end. However, I agreed to still move as I had already signed another lease with a different apartment so I agreed that I would pay up until someone leases out that apartment. The property manager encouraged myself and my roommate to pay the rent until up until the date we are moving and to not worry about late fees because they were sure the apartment would be leased out. The apartment was leased on. XX/XX/XXXX and our leasing contracting was supposed to be over XX/XX/XXXX. But they still charged me rent and the late fees up until XX/XX/XXXX. Which is charging double rent for an apartment. Therefore, Im not willing to pay this company {$2100.00} as this wasnt apart of the agreement. I discussed this concern with the debt collector ( hunter warfield ) upon receiving the first notice and they stated they would contact XXXX to get a new amount in contact me within 14 days. Well 14 days went last and I received another notice in the mail in late XX/XX/XXXX with the same amount ( {$2100.00} ) and never contacted me with a resolution. So I contacted them once again to resolve the issue and they reported they would contact XXXX  and contact me within 14 days with a resolution. Still no contact and no letters being sent until XX/XX/XXXX when I received notification of this company on my credit report. I called to resolve the issue again and they argued with me about the amount stating I have to pay that or I wont be able to lease an apartment anywhere else ever again. Im willing to pay the amount that up until the new tenant moved into the apartment on XX/XX/XXXX but I will not pay them double the amount of rent. The company would not settle as the are charging the wrong amount plus an ample amount of late fees.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 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 reportsno consent is fraud. XXXXXXXX XXXXK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

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 2022-05-14
Company: Experian Information Solutions 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:
Hey, how many times I've disputed this account found in my credit report but still in there. As a federal protected consumer I know you no legal standing, you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish you caused 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 2019-06-25
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/XXXX my wallet was lost. I assumed I had left it at work until Monday morning I woke up to 2-3 fraudulent charges. I called the bank on XX/XX/19 and was told I had to wait for the transactions to fully settle before disputing, fair enough. On XX/XX/19I replied to a message regarding a dispute I had filed a week or so prior for merchandise not received, and advised that I needed to dispute the 2 transactions now that they had settled. I still have not heard back from this message, so I called on XX/XX/XXXX and was finally able to dispute the transactions. 

Per Regulation E I am entitled to a provisional credit while they investigate given their investigation is going to take longer than 10 days. I believe the bank is not following the regulation as I have not received a provisional credit for the dispute filed on XX/XX/XXXX nor the original dispute for merchandise not received which was filed on XX/XX/XXXX and confirmed by the bank on XX/XX/XXXX via the message I replied to but have not heard back on. 

I've reached out to the financial institution both via phone, email and via social media and have been dismissed each time. I am filing an official complaint not only because I believe I deserve the credit, but also because I believe the bank itself is in violation of this regulation with other customers as well. I urge you to look into this bank entirely, not just for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: IL
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:
Several accounts have been opened fraudulently XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans XXXX XXXX XXXX XXXX several addresses phone numbers are just not they're not correct and I have been sent information that I was in several my address phone number driver 's license number social security number have all been in several data breaches including XXXX and Equifax breaches

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: U.S. BANCORP
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:
Hello. I went into the US Bank in XXXX XXXX at the End of XXXX (  Tuesday after XXXX XXXX ). My sister lost the Atm ( yes her name is on the account, but does not have her own ATM. I was so called helped By XXXX the manager of the Branch who was very loud and rude. he acccussed me of trying to pull some kind of scam. ( Yes we have lost many cards we are flakey and freak out and cancel them, we always find them after we cancel them. I went home and the XXXX number was called and they said the manager was out of line it DID NOT matter how many cards we had. they gave me the Number to to the district manager. XXXX XXXX who was on vacation according to XXXX XXXX who called me. she was Nice until she found out I was a XXXX XXXX survivor ( XXXX looked a lot like the man who attacked me, being very tall no hair and loud voice ) and I suffered from XXXX. I got 2 emails one from her and one from XXXX XXXX explaining things, never once saying why he acted like he did and cover ups and lies. I tried calling them XXXX XXXX and she never called me back or played phone tag. Then On XX/XX/2019 I got a letter saying my account will be closed ( the letter was written on XX/XX/XXXX XXXX the letter was addressed only to me and not my sister, indicating or appearing to me like they were discriminating against me because of my trauma or retaiklation because I complained and called them on their lies. XXXX and XXXX said my accounts that I reported lost were still open, then when I asked them to close them they said oh soame body already did, how can they be open and closed in minutes??? They said the assistant Manager XXXX could not help me, according to XXXX she was helping some one else, and XXXX she offered and I said no. The truth was she was coming back from lunch or something. Iasked if she could help me and XXXX said NO I am the the Bank manager and only I could help you. XXXX aslo shook her head No. It happened at the XXXX XXXX  Branch XXXX XXXX XXXX  XXXX XXXX California XXXX the people I am complaining about are. XXXX XXXX or XXXX, XXXX XXXX and XXXX XXXX and XXXX the bank amanger

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 2023-06-01
Company: Maximus Education, LLC dba Aidvantage
State: HI
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:
Hi, I have gotten a notice from XXXX  stating my student loan that I had with them of {$28000.00} has been paid in full, I also have an online account with XXXX and still till today, when I log in, it's stating that my balance that I owe is {$0.00}. Per XXXX they had reached out to all three credit report bureaus to inform them of this information. XXXX and XXXX has showed the correct update of that balance of {$28000.00} being paid in full but XXXX is still showing that I have a balance with XXXX XXXX XXXXXXXX of {$28000.00}. I've been calling and speaking with the rude agents at XXXX and they are stating thaXXXX XXXX had updated them on XX/XX/23 stating that I still have a balance with them which is incorrect. At this point I don't know what to do, I'm literally being tossed around and getting absolutely no where. I would gladly appreciate if you can please help me with this issue. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Bridgecrest Acceptance Corporation
State: MA
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 Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXXXXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 2021-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
PLEASE UPDATE INFO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ON BOTH DDA AND SAVINGS ACCOUNT S.

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 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ive been trying to get this settled with Bank of America for over a year now. My account was compromised and had fraudulent disputes filed and payed out. I did not file the dispute nor did I spend the funds please help me get this settled Im currently XXXX and could use the money

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