BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX, 2019, Simple Bank had a promotion that offered a {$250.00} bonus if {$10000.00} was deposited and kept in the account for 3 months. 

I followed all of the links that went with the offer. I signed up before the deadline, and made the {$10000.00} deposit on time. I kept the entire {$10000.00} in a zero-interest account for 3 months because I was led to believe that I would be getting the bonus. 

I was supposed to receive the bonus in XXXX. Since my account was not credited, I contacted the bank and was told that I had signed up for the wrong account. The representative I spoke with was extremely rude and did not attempt to listen to my side of the story. 

The wording of their promotion was misleading and deceptive and I can not imagine that I am the only person who was scammed by this fraudulent offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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 am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2900.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards. 
XXXX XXXX XXXX Balance : {$16000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$15000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Commonwealth Financial Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Commonwealth financial systems has reported me multiple times to various credit agencies ( negatively affecting my credit ). I received written notice and responded by mail within 30 data requesting additional information. Initially they said they never received my letter which is a lie because I had the post office track that it was received. I received a response that did you provide the information I requested. This occurred in XX/XX/XXXX and they removed the report with no communication and now again without written notification, they reported the same debt to credit agencies again on XX/XX/XXXX. I received written notification AFTER this debt was reported to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TD BANK US HOLDING COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone applied for a credit card in my name, received a declined letter from Target. how did they get the information to apply, has this happened before. Were not helpful at customer service, rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, My name is XXXX and I am currently looking for help and to report some issues I am having with Navient. It's a bit convoluted, but I will try and explain it with an example. I have XXXX loans with Navient right now ( I had more that will need to be looked at, but they were consolidated. ) Out of those XXXX, XXXX are ... wonky. An example is loan XXXX. I took out {$6500.00} and according to their website on the day of disbursement, on the day of said disbursement the amount owed says {$18000.00}. Then, in XXXX, there is a " resale '' on all the loans in question for almost the exact amount of the difference between what I took out and these random numbers. Navient can't explain it. I have tried to get answers from them, but they can't explain it. I am concerned that I have been charged inflated interest since as early as XXXX on some of these loans. I have been recording calls via XXXX  and I have recordings, but right now I am looking for an attorney to help me figure this out, as I truly believe there is something wrong with all of my loans, and if there was a mistake it has inflated my debt to income ratio to at LEAST XXXX and perhaps charged me more interest than I was supposed to be charged. Hiring an attorney would be another serious financial issue. 
I have requested loan paperwork as well to see what the original loan terms are, and they won't email them to me since I live overseas. They will only send them via USPS. They have also changed my address multiple times over the last XXXX weeks, including to XXXX that I haven't lived at since XXXX. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 non-monetary relief
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX XXXX XXXX and I XXXX XXXX. I was financially impacted by covid-19 and received a targeted EIDL advance. My account was frozen and Ive been advised that they will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: DC
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:
Despite numerous attempts via telephone, online, via mail and a prior CFPB complaint, Experian continues to report inaccurate personal information ( several names and one address ) and inquiries on my credit report that I did not authorize. I have provided them with a copy of my drivers license to show what my name and current address is yet several inaccuracies are still being reported. The prior CFPB complaint I submitted was literally initiated and remain unchanged within mere minutes. There is no way they are investigating these inaccuracies nor care to. There are at least 15 inaccuracies and each one carries with it a fine, yet Experian continues to refuse to correct the inaccurate 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 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
According to XXXX, Bank of America states that my DATE OF LAST PAYMENT was XX/XX/XXXX. 

According to XXXX, Bank of America states that my DELINQUENCY DATE was XXXX XXXX, XXXX. 

The discrepancy between these two dates determines when this negative credit report will be eliminated from my credit history in XXXX. 

I filed an XXXX dispute with Bank of America over this issue. XXXX XXXX # XXXX. 
Bank of America replied that their DELINQUENCY DATE is not the same as the DATE OF LAST PAYMENT. They insisted that the start date for my seven years is their DELINQUENCY DATE, not the DATE OF LAST PAYMENT. 

I believe the DATE OF LAST PAYMENT and the DATE OF DELINQUENCY should be the same date. Otherwise, Bank of America can arbitrarily assign any DATE OF DELINQUENCY they wish, and consequently elongate the 7 year period a consumer must wait for the negative report to be eliminated. This is exactly what Bank of America is doing. How can the law allow Bank of America to assign any DATE OF DELINQUENCY they like, at their whimsy, without restrictions or safeguards to protect 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 explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. 

On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and their negligent noncompliance or willful noncompliance with the law regarding XXXX XXXX XXXX XXXX XXXX as a collection account on my credit report. 

On XX/XX/XXXX Experian deleted XXXX XXXX XXXX XXXX XXXX as a collection account from my credit report. 
On XX/XX/XXXX Experian was reporting the following collection account XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 

I submitted a complaint to the CFPB about Experian and the account was deleted from my credit report. 

As of XX/XX/XXXX Experian is reporting XXXX  XXXX XXXX XXXX XXXX as a collection account on my credit report, and it is being reported by collection agency XXXX  XXXX  XXXX  account number XXXX whose mailing address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. 
As you can see this is the same account being sold to different debt collector. Since this is the same account that was already disputed and removed from my credit report, I am demanding this account be immediately deleted 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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party agency. Please see the attached documents.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Yes this is XXXX XXXX XXXX i live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX SSN number is XXXX my information was stolen during a data breach with XXXX and after i checked my credit i found account and inquiry that was on my credit .I called the credit reporting company and they will not removed the inquiry. I Here are most of the Hard Inquiries Ir/XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/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 XX/XX/XXXX. I would love to get these items removed from my credit report this is causing my family hardship because of this.

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 2021-08-13
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: AES/PHEAA
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm not certain who they are, but they keep calling, twice a day, from  XXXX . Today they called me multiple times on my work phone.     I believe it 's a company called AES. They have a fraudulent account on my credit. My father was able to get it removed, most credit reports removed it from mine. Only   XXXX   has n't.     They keep changing a late payment date from 10 years ago just to keep it on my report, but the thing is -- I have never had an account with AES, and have been fighting this for at least 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: GA
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:
I recently learned that XXXX XXXX Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted XXXX XXXX Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal 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 explanation
Consumer complaint received 2023-02-22
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage on  XXXX / XXXX / 17  to purchase a manufactured home and the company refused to include my accounting income. I have the right to amend my income tax returns and the company stated that they are refusing to cooperate and reverse the denial letter that they sent me. I was just told this by an underwriter at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions 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:
The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that CS rep failed to do her job and also told me since the debt was paid off the account would be removed

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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