BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2021-10-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This account XXXX XXXX XXXX and Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX still reflects negatively in my credit report, even after many attempts to reach out to the credit bureau asking for validation and the method of how they validated multiple inaccurate items on my credit report.The credit bureau is disregarding the law and taking advantage of me and this has caused a big a stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust 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 an update of the following erroneous information on my credit report : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX I am the executor over XXXX XXXX XXXX. I have a complaint against Bank of America. XX/XX/2022 someone stole her check book and multiple people wrote checks that totaled $ XXXXShe contacted Bank of America in XX/XX/2022 to report what happened they gave her the run around. She contacted XXXX XXXX XXXX he works with Adult Protective Services to assist her with resolving this matter. He also contacted Bank of America and helped XXXX submit multiple claims to make sure that all the checks had been reported. Checks were also written on her ex husband XXXX XXXX and they refunded his money but did not refund XXXX 's money. Unfortunately, XXXX died XX/XX/2022 from a XXXX she was stressed out because of this situation. When she died I went to Bank of America in XXXX XXXX to see how we could get this matter resolved spoke to XXXX XXXX XXXX she told me that she remembered her coming in and reporting what happened. She told me that we had to get letters of administration before she could give us any information after we went through probate to become executors over her estate I went Back to bank of America. she gave me the estate departments number and told me I needed to contact them XXXX. I spoke to a XXXX she told me that they denied her claim because per their deposit agreement disclosure it requires customers to review their bank statements within 60 days which is not true she checked and reported those checks in XXXX the police report was filed XX/XX/2022. I have several claim numbers showing where she filed a claim to get this resolved she spoke with a XXXX and XXXX in the fraud department XXXX, XXXX, XXXX, XXXX. I have attached a copy of the police report people were arrested. She was an XXXX Veteran and a faithful customer to Bank of America it a shame to know that this is how they treat their elderly XXXX customers.

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 2023-02-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX Overview You're currently using 0 % of your account 's limit. 

Balance {$0.00} Credit limit $ XXXX  Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian And XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: In progress
Consumer complaint received 2021-10-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This Complaint was completed by XXXX XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. UCC 3-603 ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. Under The UCC, USC, FAR, CFR and regulations. Navient committed known fraud I do not have any legal agreement contract of any sort with 2 signatures and or a bonding agent or registered agent representing this entity and or 3rd party. No registering or bonding agent was present from either side to legally bind this agreement. Furthermore I asked for the company to validate the debt 15 USC 1692 ( g ) it is any consumers rights to ask the validity of a debt with specific questions they did not answer or complete any portion of the forms sent. I the consumer XXXX XXXX also sent an Affidavit Of Truth that has multiple infractions and violations in which can only be rebutted line by line by the opposing party. Navient failed to do so. I demanded remedy for laws regulations and codes that were violated. The company sent back all the CONSUMER 's materials back to the consumer without completion. This company has defaulted and now refuses to solve this matter. The company stated they do not and are not obligated to follow any Laws or codes of any type including FAR, UCC, USC, FCRA, FDCPA, TILA etc. I have more documents and exhibits of the other governing laws codes and regulations Navient has violated. I demand They zero out balance and report to CRA ( Credit Reporting Agency ) That the account is a zero balance and paid off in good standing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase customer service agent denied my request to file dispute on a transaction of my chase freedom credit card. 

I prepaid in full for my hotel stay in XXXX At XXXX XXXXXXXX XXXX in Hawaii on XX/XX/XXXX. 2023 for XXXX nights, but was not properly informed of additional fees associated with the hotel, As a result, I was forced to pay more money at check-in than I expected, and I feel misled. 

When I made my reservation through XXXX App, I was not informed of any additional fees, such as reservations fee, damage wavier fee and housekeeping departure cleaning fee that would be charged in addition to the room rate that was quoted on the XXXX app. Despite paying the full amount to XXXX, I was still required to pay additional {$250.00} at XXXX At XXXX XXXXXXXX XXXX XXXX. I was not made aware of this fee prior to my arrival, and it was not included the original booking confirmation that I received from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: TX
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 my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Disputed for specific items inaccurately reporting on my credit report THREE times via mail sent certified mail. Each time, Experian stated, in writing they verified that these items are being reported correctly? I requested written information requesting the name of the representation who the company verified the accuracy of these accounts or how they verified them? I did not receive verification as I requested. After no response, I supplied documentation confirming the items on the credit report are inaccurate. As of today, XX/XX/XXXX, the inaccurate items remain on my credit report First dispute XX/XX/XXXX Second dispute XX/XX/XXXX XXXX dispute XX/XX/XXXX RESENT AFTER RECEIVING INVESTIGATION RESULTS VIA E-MAIL Fourth dispute XX/XX/XXXX CALLED TO SPEAK TO AGENT IN THE DISPUTE DEPARTMENT.AFTER RECEIVING INVESTIGATION RESULTS VIA E-MAIL

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 2019-12-17
Company: EQUIFAX, 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:
Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency.

They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX were sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an ivy league school to be a XXXX. What lender would give a young adult XXXX to go to XXXX  college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter for traffic citation from XXXX, XXXX. Date of citation is XX/XX/2018. 
Amount of XXXX . 
I was traveling to XXXX at that time and did rent the car. 
I never received any tickets when I was in XXXX. I never received any letters from police afterward. I never was stopped by traffic police while I was there. 
The collection letter came from the company from California. 
Cedars business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I did call them and did not have any reasonable explanation about this collection. 
The person on the phone told me that I have to pay. Did not give me any details or provide any documentation. 
I feel that I am dealing with a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted documentation for XXXX multiple times to MOHELA without any acknowledgement or approval. Previously denied despite appropriate signatures and supporting documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX 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 2019-04-23
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax credit reporting will not allow me to submit a dispute for negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: CITIBANK, N.A.
State: CA
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:
My name is XXXX XXXX XXXX. On XXXX, location : XXXX, XXXX XXXX I went to withdraw some money from a XXXX XXXX, I used my Citibank debit card, and the ATMs were out of service, and as I was living someone stole my card and somehow my PIN was compromised during the transaction. As soon as I realized that it was gone I blocked it immediately, but by the time someone had already used it three times. I reported it immediately to Citibank as fraud and that the charges were not authorized by me. They told me they would issued me a new debit card, and will investigate the matter that it can take up to 90 days to resolve. The transactions in question occurred on XXXX. 1st {$810.00} at XXXX. The 2nd {$110.00} at XXXX, both of these transactions occurred at a non-Citibank ATM XXXX . 3rd {$49.00} at XXXX, they gave me credit for this charge while the other two were pending. On a letter dated XX/XX/XXXXthey told me it they were reviewing it. And on a letter dated XXXX they denied me giving credit for the first two, and essentially calling me a liar about how the transactions happened. More than 90 days on XX/XX/XXXXI called them to find out the results of the investigation and he basically told me to see the letter on XXXX. I believe the investigation was bias, they made me wait 90 days, for what reason? I do not know, theyve got the amounts wrong according to my XXXX monthly statement statement, I feel their investigation was a sham, and it shouldnt happen to anyone else.

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 2021-12-13
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account information incorrect

Complaint:
I owed some medical debt to a company that sold the debt to a collection agency. The debt is from 2019 and should have been paid by my medical insurance company which the original creditor failed to do. The Collection company has been reporting the debt as recently missed payments and are reporting each month as a missed payment which according to the Fair Credit Reporting Act is not allowed. The only person who can report missed payments are the original creditor who the debt originated with. After contacting the company, they continue to report monthly missed payments which is affecting my credit. 

I also asked for the company to verify the debt almost a year ago and they have still not done so. The credit reporting bureaus have also failed to verify the debt as well.

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