BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX. I contacted Bank of America to close my credit card account. I spoke with what they told me was appropriate department. I was assured that this would be closed within 24 hours. I also was assured that my XXXX $ credit would be sent back to me after 2 billing cycles. Today I received an e mail that Bank of America has been continuing to bill reoccurring accounts that had been set up even though we had already set these up with a different credit card and they used my {$170.00} credit to pay these accounts and now supposedly I owe them {$30.00} as what they have billed exceeds the credit I had. I discussed with Bank of America today and they simply gave me the runaround and again assured me that the account is closed within 24 hours. Today first I spoke its XXXX and then 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 2023-02-18
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 is missing that should be on the report

Complaint:
At the end of XXXX, My credit score on Experian was horribly reduced from incorrect labeling and information on their end. I was an additional card holder for an account that my parents are the ones who are accountable for, I am and never was legally responsible for it in anyway ever. They also had my parents address listed on my credit report as a previous address for me but I never lived there and it was due to the error mentioned above. After finally getting it resolved at the end of XXXX, XXXX, the address is back on my report and they are now missing a previous closed credit card account I had with XXXX XXXX and in the past 72 hours ( XXXX XXXX ) my credit score has dropped almost 50 points because of incorrect information, outdated balances and removing information that helped me and adding information that is false and I removed less than a month ago and hurts me. Further more I signed up for their membership at the end of XXXX to be proactive and prevent any issues like this from happening again and it still happened and they removed utilities from my report on XX/XX/XXXX that they added which boosted my credit score after I submitted a dispute with them because it was showing the previous months bill amount that was paid in full and reduced my score on XX/XX/XXXX. They system wont add it back but they still have it listed under their XXXX  benefits and they state that they update monthly but they clearly dont since it had my previous balance still showing that had been paid in full since XX/XX/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 2023-04-05
Company: Navient Solutions, LLC.
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: Reporting company used your report improperly

Complaint:
I am writing this complaint to NAVIENT. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
RBFCU is liable for {$260.00} on a purchase I made from XXXX XXXX on XX/XX/23. 

RBFCU erroneously investigated my dispute with XXXX XXXX and inexplicably, incompetently deemed the charge " valid ''. 

This despite the information I provided in which I said I DID NOT RECEIVE THE MERCHANDISE. How can a transaction be valid if I did not receive the merchandise, according to standard contract law? 

I told the person who recorded the dispute that : XXXX. I went to pick up the item ( cream cheese frozen ) and it had not been refrigerated at the XXXX location. I asked why they did not refrigerate the product and the XXXX representative said that " they did not have a refrigerator ''. I promptly told the XXXX representative that I did not want the product because it was spoiled because they did not refrigerate the product properly. 

XXXX. I contacted the seller XXXX 's XXXX and told them that I wanted my money back because they sent me cream cheese that had not been properly refrigerated when I went to pick it up and was as a result, spoiled. Therefore, I REFUSED THE SHIPMENT OF CREAM CHEESE AND DID NOT PICK IT UP. 

XXXX. XXXX 's XXXX said that they would talk to XXXX. I never heard back from XXXX 's XXXX and contacted RBFCU to get my money returned to my account. 

XXXX. The fault is with both the shipper ( XXXX 's XXXX ) for not telling XXXX to refrigerate the product AND with XXXX for not refrigerating the product after they received it. 

XXXX. I promptly contacted RBFCU after the holiday, to find out how the charge had been found valid and was told that there was nothing that could be done. Somehow, the person who recorded the dispute did not correctly record the important information which would make an analysis of the charge straightforward. That is : THE CUSTOMER DID NOT RECEIVE THE PRODUCT AT ALL. 

Unfortunately, RBFCU seems to have compounded the problem by somehow erroneously determining that, despite the fact the cream cheese was spoiled when I went to pick it up, through no fault of my own, and I did not in fact receive ANYTHING for my {$260.00} the charge was somehow " valid ''. 

This demand letter therefore is precursor to legal action to recover all damages from RBFCU 's egregious breach and violation of their fiduciary responsibility to protect my legitimate use of the RBFCU debit card against fraud from the vendor XXXX 's XXXX. 

Full payment in the amount of {$260.00} for the violaton is now due and payable to XXXX XXXX. 

Also, XXXX XXXX now demands that RBFCU explain the incompetent analysis of the charge, and resulting egregious erroneous error in not returning my {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: GA
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:
THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX XXXXXXXX XXXX. MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. I'VE ALSO NOTICED THAT THE STATUE OF LIMITATIONS IS EXPIRED ON THIS ACCOUNT FOR STATE OF IOWA. 

According to the information given to us by the credit bureau, the date of last activity by the original creditor was ( XX/XX/2016 ). The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of ( IOWA ). 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on XXXX debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). 
However, I would like to point out that it violates provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt. 

The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfullyreceived by any debt collector for the collection of a debt. 

Section 604. Permissible purposes of consumer reports The exact statute : [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ;

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 2023-01-24
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Control Inc. Continue the harrassment by texting & calling me and asking for XXXX XXXX XXXX I do not know this person and they have wrong phone number and continue to make calls and texts message after asking them to remove my numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-12
Company: LFG Data Services Holdings, LP
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My consumer rights under The Federal Trade Commission the FDCPA ( Fair Debt Collection Practices Act ) I XXXX XXXX  and XXXX XXXX XXXX I demand copy of documents or contract. 
TO : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota  XXXX 1 : Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, 2 : above name collectors never sent a collection letter to Plaintiff that included the required 1692g validation rights disclosure.

3 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract.

4 : The FDCPA ( Fair Debt Collection Practices Act ) specifically prohibits a debt collector from using false, deceptive or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account charge off. 
Verification that this debt was assigned or sold to collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: AES/PHEAA
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This alleged debt is fraudulent as I am the natural person, consumer in fact, and entered into a consumer credit transaction. Pursuant to 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I in fact extended you credit as the Creditor/Natural person and you gave me a loan which isnt defined under Truth in Lending or FDCPA, which created an alleged debt. That is deceptive behavior, fraud, and punishable under federal law. I am not participating in the collection of any alleged debt. Pursuant to 18 U.S. Code 8 as defined by congress, The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THERE SHOULD BE NO ALLEGED DEBT IN ANY CONSUMER CREDIT TRANSACTION. Natural person defined 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; '' PHEAA HAS VIOLATED SEVERAL FEDERAL LAWS THAT PROTECT CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022

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 2021-08-26
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They sent me the notice on XX/XX/2021. For the amount of {$1200.00} plus cost of Im not sure what which is {$1300.00}. States we will garnish your wages and also have me incarcerated if I do not reply in 14 days. The information they have is incorrect and I do not currently work and they have an employer that I never worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
The credit Bureau is refusing to investigate my dispute saying that the info was valid when there is a bunch of inaccuracies on my credit report such, The DOLA dates dont much one bureau is reporting it as bank loan when its clearly a student loan which is a big violation the open dates dont match the late payments dont much one bureau is reporting 2 late payments the other one reporting 4 XXXX deleted my student loans because of all the inaccuracies

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 2023-03-26
Company: Experian Information Solutions Inc.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-08-26
Company: TRUIST FINANCIAL CORPORATION
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:
Suntrust Bank is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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 2023-02-02
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
The credit Bureau is refusing to investigate my dispute saying that the info was valid when there is a bunch of inaccuracies on my credit report such, The DOLA dates dont much one bureau is reporting it as bank loan when its clearly a student loan which is a big violation the open dates dont match the late payments dont much one bureau is reporting 2 late payments the other one reporting 4 XXXX deleted my student loans because of all the inaccuracies

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 2023-11-28
Company: TRUIST FINANCIAL CORPORATION
State: PA
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 receive two hard inquiries why Im at work from XXXX XXXX in 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