BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
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:
The Credit Reporting Agencies claimed the previously disputed accounts as verified and continued reporting the erroneous accounts on my Credit Report. I am submitting this CFPB complaint today in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ) in a timely manner. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-09-13
Company: Malacko Law Office
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 Ambulance call XXXX Veteran wanted to be taken to the XXXX VA Ambulance they dont have an ER so they would not take me to the VA They do have an ER I get all my care there I refused service, I was taken by my wife to the VA Anxiety problems was the diagnosis XXXX XXXX XXXX ( XXXX ) XXXX Debt collector I was billed {$290.00} # XXXX I feel that is terribly wrong No treatment /refused service No transport Im less than a mile away Besides already XXXX I was admitted to the VAMC ( through the ER ) form XXXX XXXX with XXXX XXXX XXXX Now no job and 30 % XXXXXXXX XXXX I know that means nothing to them but its just more hardship for me Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT!!!!!!! 

WHAT CHANGES DID NAVIENT REPRESENTATIVE MAKE TO MY ACCOUNT IN EARLY XXXX????????? 

Navient in a response to me says theyve mailed me several renewal reminders between XXXX - XXXX and they never received a response back from me. 

1. I was homeless. Had no phone or internet service. And no mailing address. 

2. NAVIENT HAD INCORRECT CONTACT INFORMATION ON ME BETWEEN XXXX - XXXX. 

Around XX/XX/XXXX YES I DID SUBMIT A {$0.00} XXXX. 

1. I called and spoke with Navient customer representative informing him of my circumstances and situation.

2. Navient customer representative informed me to submit {$0.00} IBR and wait at least 6 months. Then submit a written letter with documentation and the late payments would be removed. 

NAVIENT IS NOT LISTENING TO A WORD IVE BEEN TRYING TO TELL THEM. 

In XXXX their representative made changes to my account. 

1. I phoned in asking for help!!!!!!

2. I made the representative aware I was homeless and had no services. I also made the representative aware I wanted to update my account so that Id receive future correspondence by email. 

3. I also made the representative aware I wanted help in fixing my account due to the extreme financial and emotional situation I was in. 

So my question is : 1. WHAT DID NAVIENT CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT BACK IN EARLY XXXX? 

Is there not a phone record or notes of that phone call? ARENT THEY REQUIRED TO DOCUMENT PHONE CALLS BETWEEN CALLERS!!!! 

GO BACK AND LOOK AT MY ACCOUNT!!!!! 

XXXX - XXXX I WAS IN DEFAULT YES!! 

I was in default for reasons I explained. I ASKED FOR HELP!!!!!! 

And none was given. 

So I am filing this complaint against Navient for not properly handling calls, complaints, and not thoroughly investigating matters. 

DOCUMENTS ATTACHED : 1. Password Protected Document. I will provide password once contacted via email by Navient. 

2. Forbearance approval document. WITH INCORRECT ADDRESS AND AROUND XX/XX/XXXX. XXXX WHAT DID CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT DURING TIME PERIOD?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
This is my 3rd 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 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 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 2022-09-13
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}

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 2022-09-13
Company: Experian Information Solutions Inc.
State: NJ
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 appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

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 2022-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America had a credit card sign-up bonus of {$300.00} after {$3000.00} spent in 90 days. 

I surpassed the {$3000.00} spend limit and never received the {$300.00}. Please see attached statements. 

I called the number XXXX on the back of my credit card on XX/XX/2022, and the Bank of America customer service agent confirmed with me that I had surpassed the {$3000.00} spend requirement, and she said the {$300.00} would post within 30 days. 

I called the number XXXX on the back of my credit card on XX/XX/2022, and the Bank of America customer service agent confirmed with me that I had surpassed the {$3000.00} spend requirement. He said that Bank of America would call me or send me an email within XXXX business days. I never received a call nor email. 

XXXX different customer service agents told me/confirmed I surpassed the {$3000.00} spend threshold within 90 days and I would receive the {$300.00} bonus. 

On XX/XX/2022, I received a mailed letter from Bank of America that said I did not surpass the {$3000.00} spend requirement within 90 days.

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 2021-04-10
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING Original creditor : XXXX Is reporting an account that is not mine. I have reached out and disputed this fraudulent account. XXXX  removed this account, however XXXX has said its " verified. '' I then reached out to Convergent Outsourcing requesting all documentation they have on this fraudulent account so I can conduct my own investigation on who may have opened this account, when, and where. No information has been provided. If this account does exist, its a result of someone using my personal information, without my consent, and needs to be removed from my credit file immediately.

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 2017-09-27
Company: Navient Solutions, LLC.
State: FL
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 duplicate accounts reporting on my credit report. Contacted Navient on numerous occasions to correct the issues. And all I 'm getting is the run around. I went as far as to emailing the XXXX XXXX XXXX. In return he forward my information to a woman from their student advocate department. By the name of XXXX XXXX who lied and gave me nothing but the run around. At this point I 've had it with XXXX and their shady business practices. I have attached email conversation between XXXX XXXX and XXXX. Where you can clearly see her giving me the run around and her making promise that where never kept

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a coupon which said " open or upgrade to chase sapphire banking account. transfer a total of {$75000.00} and maintain it for 90 days. Then I will get XXXX ultimate rewards bonus points. So I upgraded my account at a chase bank with the coupon and transfer {$75000.00} to my account on XXXX XXXX. Now 90 days past I have not received any points. I called chase customer service they said I have to to the branch which I opened my account to solve the problem. Then I went to the branch. A banker checked my account and told me the person who upgraded my account did not apply the coupon successfully. That's why I have not received the coupon. This is really wired because I saw the person who upgrade my account type in the coupon. And it is the bank 's fault. They said I can't get what they promise just because their mistake. this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an online account with XXXX, a division of Goldman Sachs. A few days ago I set up a transfer of all funds to another bank 's savings account with higher interest. This morning I got a call from XXXX and was told to call back. I did and was told to hold for XXXX minutes so the rep could look into what the call was about. I was on hold for 20 minutes and finally gave up and hung up. Tonight I tried to log into my online account to see if my fund transfer was still in progress and I had been locked out of my account! I called XXXX again DURING THE HOURS I WAS TOLD TO CALL IN and this agent agent did not know why my account was locked nor why I could not access my funds. She could not get hold of a XXXX to explain or fix it even though I call during the hours I was instructed to call in. She told me to call back AGAIN tomorrow. 

I suspect that they are holding my money to force me to keep the account open at least until they can " sell '' me on keeping the funds with them. 

This is outrageous. If I needed those funds ( MY money ) urgently, this could be very damaging to my wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I never opened this account. Never agreed or contradicting with this company in any shape form both implied and certainly not ever in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: VA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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 XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX 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 writing 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 items 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 explanation
Consumer complaint received 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a string of emails from Bank of America on XX/XX/22 with the following subject lines : " Verify your email address '', " Online Application is in Progress '', " Your application was approved '', Welcome to Online and Mobile Banking '', and " Your email address was updated ''. All of the emails were received within 7 minutes of each other. I never applied for an account with BoA, so it appears someone has opened an account in my name. 

I have called BoA and been transferred through several fraud departments. So far, no resolution has been achieved.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to make a formal complaint against the credit bureau agency Experian. I have filed disputes online, in writing, and over the phone in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, but they have never been resolved they continually report my credit as inaccurate. I filed bankruptcy in XX/XX/XXXX which was finalized on XX/XX/XXXX, I sent Experian all the documentation showing items should be discharged. But they keep reporting incorrectly, when I called the customer service representative was rude and very unknowledgeable. Also, Experian is reporting my credit card balances wrong and they were just updated. Experian keeps reporting the negative information inaccurately and will not remove it. 

Thank you for your time,

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 2019-07-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In the mail, I saw a letter addressed directly to me from American Express, stating that I qualify for XXXX bonus miles with the expectation I spend a certain amount of card spend within a given time if I sign up. 

I thought that was great, so I chose your card. Over the last 5 or so months I have put 10 -15 thousand dollars on that card, paid on time.

Despite spending over the minimum, I never received my bonus miles, so I decided to call in a month or so ago, and the agent said that my miles are on the way and to just wait 8 12 more weeks ( spend more money on the card ). I waited weeks and spend several thousands more, and called again today to see if the miles were to be included soon.

On that call, I come to find out that I never even qualified for the bonus miles, Amex had known from the beginning that I would not qualify because I owned a similar card years before. No one ever told me I didn't qualify, they just kept saying to wait and wait and the points are on the way.

This was very disappointing, and in my opinion a very unethical business practice. I would have canceled this months ago and signed up with another had I known this to be the case.

For starters, If they knew I had a similar card before and knew my address and name, they knew they were offering me something I didnt even qualify for, hoping I would sign up, spend a lot of money and later find out because of a rule I was unaware of, that I would never even earn the miles. I never would have signed up had they not sent me that letter, I would have put my 10 -15 grand elsewhere.

On top of that, because I was told by their agent that the miles were on their way earlier and I waited and waited. Not only was I misled into signing up, I was misled into keeping the card longer, therefore being coerced into spending thousands of dollars on a card under the premise of false promises.

I reached out to Amex after all of this and they said they would do an internal " investigation '' that would take 6 -8 weeks and during that time I would have to keep my card active. Meaning once again they just want you to keep the card keeping spending money and never actually give you points.

Company response to consumer: Closed with explanation