BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: LEXISNEXIS
State: IL
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: Other problem getting your report or credit score

Complaint:
I have tried to receive credit monitoring from all three credit bureaus. I am not able to view my credit scores on any of the three credit bureaus. I often have inquiries that I did not submit. I have had my identity stolen twice in the past five years. I have been denied funding many times because of a reported bankruptcy by a third party credit buraus. I would like to opt out from the third party reporting and any other illegal reporting of my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I shifted to XXXX last year because I am eligible for and going for the Public Service Loan Forgiveness program. I have been on the same income-based repayment plan since 2013. This last year, my income went up drastically. I've done my research and learned that I can stay on my plan, I just might need to pay more. I'm fine with this and it makes sense given the fact that I am going for PSLF. 

I have now applied twice to renew my plan, and been denied twice. " A letter '' is coming to me, but I was denied the first time on XX/XX/XXXX and still don't know why. I re-applied yesterday and was denied again today. I have received no contact back from them when I ask why. 

They are now moving forward with putting me on the standard payment plan, adding interest back to my loan so my payments are increasing even more, and ignoring my requests for an IDR repayment plan. I was with two other loan companies that were amazing, and am so frustrated that I have this experience now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
I didn't get anywhere with the company they want my ss # so they can't help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
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:
I have contacted TransUnion several times in regards to the inaccurate information that they are reporting in my public records pertaining to a XXXX bankruptcy that was dismissed and closed in XXXX and company called LCI CONSUMER CENTER is in fact reporting this inaccurate information I have talked with the supervisor @ TransUnion and she made me aware on XX/XX/XXXX she was able to send the documents that this bankruptcy was in fact dismissed and closed she file another dispute in regards to the inaccurate information and TransUnion sends verification again that this was verified. I will be attaching information from the XXXX XXXX XXXX, XXXX XXXX AND THE COURT AND THE COURT CERTIFIED TRANSCRIPT OF THE ACCURATE INFORMATION. THIS SAME INFORMATION WAS SENT TO LCI XXXX XXXX AND TRANSUNION. TRANSUNION WAS TOLD BY XXXX XXXX TO REMOVE THIS INACCURATE INFORMATION AND TRANSUNION HAS 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 explanation
Consumer complaint received 2019-01-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a closed Chase Visa credit card. Each month I receive a billing statement which includes late fees even tho my payments are made on time. I then have to telephone a dispute to have said late fees removed. Each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have already described what had happened in complaint number XXXX. I probably needed to elaborate more but you guys were on the wrong and you guys filed and incorrect response to consumer reporting agency when I feel like I was stalked by someone watching what I do because I am and have an executive level bank through bank of America and my name is Under XXXX XXXX XXXX under the Private Reserve in the Federal Reserve Bank.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 are multiple accounts that were discharged in my bankruptcy on XX/XX/2020 that are still reporting as late and charged off that need to be immediately and completely deleted from my credit file per applicable bankruptcy laws.

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 2022-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America needs to clearly explain why have they not raised my credit card limit so I can build up my score and apply for car financing. BofA also rejected all my chances of getting another credit card. The last credit increase I asked for over the phone was {$4000.00} and indicating my income would be around $ XXXX a year. I will not be silent to fight for XXXX justice as I believe BofA does not have other good reasons to deny a credit card increase. Apparently the system only works to give good credit to XXXX  people for this bank. Theyve ruined my chance of getting a good rate for a car. Theyve entirely ruined my credit score entirely. Ive stopped using their cards because theres no point of it if Im not getting anywhere. The big banks are good if youre XXXX and carry a big balance. Otherwise theyll not give a XXXX about you. You should be held liable for your actions.

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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since 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
Consumer complaint received 2023-02-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We are a small independent school in Virginia. We have used Paypal for collecting payment for services for more than 15 years. One month ago they " limited '' our account and now our funds are being held hostage due to required documents. There policy for account ownership prohibits changing the account owner which is required to be an inidvidual, even for a business. We have been forced to use the prior individuals name, even though I am the current admin. Now with these ridiculous API requirements, we have to provide information that doesn't match the account ownership, because Paypal wont allow you to change it. The account owner retired 10 years ago, by the way. We have almost {$25.00} thousand being held hostage and every time I submit the required documents, Paypal adds new documents to the list. This is criminal activity. There is no change in our amounts processed, all the dollar transfers are domestic and we have a long track record with this company. To hold our money hostage and continually delay our ability to collect it is simply wrong. Paypal must be held accountable for this fraudulent use of our money. We will pay 3 % to collect our money while they invest it and earn on assets that they are holding for undue lengths of time. Paypal must be investigated for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: McCarthy, Burgess & Wolff, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re : Notice for Proof of Claim Account : McCarthy, Burgess & Wolff # XXXX To Whom it may Concern : This is a final notice and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX XXXX, XXXX that gave you the right to collect this debt Account No. :XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CA
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.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, has violated my rights.

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 2023-01-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern. 
Please be advised that I have requested validation of an item reported to you by the above original creditor collection agency. I have received a response that it is in violation of my rights according to HIPPA. 
XXXX XXXX XXXX did not provide me a HIPPA signed release letter that releases my medical information to them, therefore by providing such information, they are in violation of my HIPPA rights. I am proceeding immediately with legal actions as prescribed by the law against XXXX XXXX XXXXXXXX should the item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against any company reporting this illegal report. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage you to delete the above collection with urgency.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights. 15 USC 1681 Section 602 states that I have the rights to privacy 15USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I demand that these accounts be permanently 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 2019-11-04
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2023-12-19
Company: U.S. BANCORP
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have sent out an opt notice that I have attached to U.S. Bank per 16 CFR 313.7. U.S Bank disclosed my personal information to nonaffiliated third parties including XXXX, XXXX, and XXXX. This directly goes against the Privacy Act of 1974. I sent U.S Bank a letter notifying them of this issue on XX/XX/XXXX and I have not received a response or a resolution of this issue.

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 2023-03-04
Company: Absolute Resolutions Corp.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, this debt is over 7 years and the wrong amount is being asked for. Ive been receiving letters from the company stating that a lawyer will sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In approximately XX/XX/2017, the last of many regular/on time payments to my Best Buy credit card resulted in a credit of {$41.00} and change. ( all payments were more than the minimum to reduce the interest ). 
Consequently I received in the mail a refund for the {$41.00} & change, which I deposited to my checking acct. What I did not know, was that Best Buy also mistakenly electronically deposited the same amount to my checking acct. ( considering how unscrupulous Best Buy is handling this situation, one has at least consider the possibility their actions are intentional to extract a Black mail payoff ) After several threatening Robo calls, I called Best Buy to inquire how I could be charged late fees and interest on an account that was paid in full, and resulted in Best Buy issuing a refund check. Even the Best Buy people I spoke with didn't know why, until their investigation revealed their mistake. ( Because I had already seen a physical check, I never thought to be watching my checking acct. for another ( erroneous ) deposit. ) As soon as I learned of their mistake I returned the {$41.00} & change. 
Despite Best Buy acknowledging their mistake, they insist on charging late fees and interest for the {$41.00} & change for the 2 months that NO ONE knew of their mistake. They continued to increase their penalties up to a total of {$430.00}! 
After I disputed these dishonest penalties they charged off {$310.00} and continue to report that amount as Past Due. 
My next step will be to sue Best Buy!

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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