BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with Bank Of America with a promise that my account would be free, as a student. After furnishing the required information, the bank charged me a maintenance fee. 

I mentioned the fee to a teller who was unwilling to help. I then asked to withdraw my funds and the teller refused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to get this resolved since back in XXXX, I am so frustrated and angry, because neither Experian or XXXX  XXXX XXXX want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me. Experian and XXXX  XXXX XXXX refuse to remove this fraudulent account from my Experian credit report, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by 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 2023-05-31
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been calling truist department they have been transferring from one department back to the other Im tired of going back and forth between departments I just want my funds to be release cause Im done with this bank services

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 2021-10-18
Company: CITIBANK, N.A.
State: AR
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:
On XX/XX/2021 I purchased two sample-size skin products from one website. There was no mention on this site of a subscription. The next month I saw a subscription charge for these two products on my Citi card ( ending in XXXX ). I immediately notified Citi and had the card cancelled. I then disputed the charge with them and after your intervention, they finally gave me a " conditional '' credit. The two charges were : - XXXX XXXX XXXX XXXX {$87.00} - XXXX XXXX XXXX XXXX {$89.00} There were two separate websites associated with these charges, although neither one was familiar to me. I went to one site and bought samples of both products. The website I went to didn't have any mention of a subscription, though the two websites listed both mentioned the subscription quite clearly. 

Citi has since taken the credit back and said it was my problem. I have never received any product for my money and the phone number listed for the companies don't work. Citi is complicit in this fraud.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2022-05-16
Company: EQUIFAX, INC.
State: MO
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged in the following items listed below that have been showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  XXXX Balance Owed XXXX {$76.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thousands of dollars of bills were reported to my credit as a collection by Nationwide Recovery Service, I reached out to my insurance and confirmed I was fully covered for these bills, I disputed but Nationwide Recovery Service did not remove. I then spoke to the original creditor, XXXX XXXX XXXX and XXXX XXXX billing departments, I spoke to a representative named XXXX, the original creditor confirmed with me that this account is not in their records under my name, nor do they have an outstanding debt for me. I requested a debt validation from this collection agency, they sent me an itemized bill that states I owe {$0.00} awaiting insurance response. Again, the creditor confirmed that there were no balances outstanding under my name, my children 's names, or our social security numbers. I sent this proof and verification to the credit bureau and to the collection agency. 
It is not ethical or legal to collect a bill for patients fully covered by Medicaid ( also proven ), the original creditor does not have any bills in my name. The accounts are still being fraudulently reported to my credit report even though I do not owe any money which is causing harm to my finances and adversely affecting my credit report and costing me thousands of dollars in interest every year. I have sent a package of proof and verification to this collection agency of which they have ignored. I will take every step needed to hold this agency responsible, these items should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I submitted the first  of XXXX loan modification applications to SLS, only to have each one denied for reasons that were not true. In XX/XX/XXXX and XX/XX/XXXX, following the loss of a job, I submitted what would be the first  of loan modification application packages only to have both of them denied for " incomplete documentation '' even though I included all of the requested documentation that SLS had asked for. In XX/XX/XXXX, I submitted a third loan modification application package tp SLS only to have it be denied for " insufficient income '' even though I submitted more than enough income as both my husband and I can afford the payment on a modified mortgage loan. In XX/XX/XXXX, SLS sent a foreclosure letter to me but not to my husband, even though he co-owns the property with me. In failing to send my husband a copy, SLS violated Section 14 of Chapter 244 of Massachusetts General Laws. Our foreclosure is schedule for XX/XX/XXXX. We need SLS to stop the foreclosure so we can apply for a loan modification with both of our incomes. We feel that SLS is trying to enrich itself with the home equity that we have worked hard to build in our home. Please contact SLS stop the foreclosure on XX/XX/XXXX as we want to keep our home and re-apply for a loan modification. We have no place to go if we lose our home and our family will be forever displaced and homeless as we can not rent due to our credit being harmed. Please help us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I would like to complain about the numerous phone calls from different numbers, at all times of the day. Including nonstop emails. In addition, I am even disputing the amount that they are saying I owe. I feel that I was taken advantage of, I signed my loan back in XXXX. I NEVER even completed the quarter. The college was FOR-PROFIT. Now my credit score is suffering. 

These people are harassing me, and trying to make me pay a debt that is way more than the initial amount, and for classes I never even finished. This is abuse! 

As of XX/XX/XXXX, my credit score has been damaged by this loan company. 
As of XX/XX/XXXX, I have blocked all of the numbers they have contacted me from. 

As of XX/XX/XXXX, I am looking to pursue legal action to protect myself from further damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged in the following items listed below that have been showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$76.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to file a second complaint regarding a late open account that is still inaccurately reported on my credit report, despite my previous dispute and request for correction. I am deeply concerned that this issue persists, and I insist on your immediate and thorough investigation to rectify this ongoing inaccuracy. I previously disputed the inaccuracy of this account and provided documentation to support my claim. I expected a prompt resolution to this matter, but regrettably, the account continues to be incorrectly reported as late open. 

I urge your bureau to conduct a comprehensive review of this account and correct the status immediately to accurately reflect its current standing. This continued reporting of inaccurate information is not only detrimental to my creditworthiness but also frustrating as I have taken necessary steps to address this issue. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to ensure the accuracy of the information they report. Therefore, I expect your bureau to address this issue promptly and in strict compliance with the FCRA. 

Please provide me with a detailed, written response outlining the results of your investigation and a free copy of my updated and accurate credit report once the necessary correction has been made. Additionally, I request an explanation for the delay in resolving this matter, as it has persisted despite my initial dispute. This late open account in my credit report should be corrected right away : XXXX XXXX Balance : {$900.00}.

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 2023-03-17
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a security freeze on my credit report with all 3 agencies. I have had no issue with any except Experian. I reside and have 2 home addresses. I never received a PIN in the mail from Experian. I tried to have the freeze thawed for a credit application. It is impossible to talk to a person at Experian. The internet page that allows you to unfreeze your report does not work. My thaw was rejected, with no reason given. I followed their directions and was told that I must send the following information in the mail to them in order to have the freeze lifted. I do not feel comfortable sending information in the mail that includes copies of my social security number/card, bank statements with account numbers, and a photo copy of my drivers license and other identifiable information. The other two agencies have the ability to identify me and freeze or thaw, while Experian requires that I send highly confidential information in the mail. They also do NOT return these documents. I feel that they should offer a way to do what the other reporting agencies do. I have had accounts hacked multiple times, and hence the freezes. I even paid them for their service that claims to be able to do this. However I was sent to the same page over and over. They should be required to have a phone number with a person that can handle issues like this. I am being denied credit in a timely manner by this request for all this sensitive information.

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 2023-11-08
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
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: Information belongs to someone else

Complaint:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ( SEE ATTACHMENTS ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " ALL THE COMPANIES '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

XXXX XXXX sent statement with statement coupons showing my address but I never received anything in the mail. XXXX is saying XXXX XXXX XXXX XXXX ( XXXX  ) is the servicer of these accounts, I'm confused which company is it? 
How can three different Companies report inaccurate information on my Consumer Credit Report? 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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: BARCLAYS BANK DELAWARE
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been trying for 2 months to have 2 fraudulent charges removed from my account. Both charges occurred on XX/XX/XXXX. Both charges were to the same vendor. Both charges were for {$1100.00} to a vendor called OMI ( total of {$2300.00} ) I have called the credit card company at least 15 times. I have faxed documentation and have had the documentation acknowledged as received. I have been told the charges will be removed. As of today the charges are still on my card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) 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 non-monetary relief