BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2017 I made a deposit of {$1200.00} with a check from the XXXX XXXX XXXX to my Bank of America checking account. But the funds would not be available until XXXX XXXX, 2017, this withholding of my money by " rules '' the Bank of America, this is generating damages and losses, First I was NOT informed that a deposit with a check from another bank would take 10 days to be available, and Second I will not pay my obligations on time, I will have to pay an extra charge of 10 % for late payment to the apartment complex. However XXXX XXXX XXXX already paid the amount of the check to the Bank of America dated XX/XX/2017. 
Who will pay for this damage caused by the Bank of America? 
Please stop this type of abuse that the bank of America does with the clients every day, this practice of retaining your money for a long time generates profits for the bank and damages for the clients, total abuse of the rights of the consumer. 
Thanks for your attention. 
Sincerely, 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 2018-03-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or OneMain. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. 

I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. 

I DO NOT have accounts with XXXX XXXX or XXXX XXXX XXXX XXXX, and will contact my local Police station tomorrow to file a report of fraud/identity theft. 

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I spoke with XXXX XXXX regarding their unauthorized credit pulls on my account. They have yet to provide solid proof that I authorized this credit pull and have fraudulently created emails ( see attachments ) to appear as if they were transmitted by me, XXXX XXXX XXXX. Please remove all XXXX XXXX, XXXX, and or XXXX XXXX credit pulls from each credit bureau. If you can not remove the credit pulls, you are in essence committing fraud and will be prosecuted to the fullest extent of the law. 

XXXX XXXX on behalf of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Illegally inquired on 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 2018-03-23
Company: Experian Information Solutions Inc.
State: CA
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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All Ireceive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap : XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ref # 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 2018-09-05
Company: Experian Information Solutions Inc.
State: NC
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:
Company still reporting debt to XXXX that I am not liable for.

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 2017-12-01
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 received a copy of my credit report and I have noticed that XXXX XXXX XXXX, and XXXX XXXX XXXX/XXXX is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter datedXX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

These are the frivolous accounts that needs correction/ removal asap. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-12-01
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: Their investigation did not fix an error on your report

Complaint:
Experian has on my credit file as {$770.00} written off and there was no money written off on this account. 

I have provided from XXXX XXXX proof there is nor any money owed or written off. 

I have mailed document from XXXX XXXX showing there is no written off nor any money owed on this account. 
I need from Experian something showing there is or was balance owed as I have provided a letter showing there is no balance owed on this account.

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 2019-04-10
Company: EQUIFAX, INC.
State: OH
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:
Dear Credit Bureau, Regarding the following account ( XXXX XXXX : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, Equifax, XXXX ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: AES/PHEAA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is regarding the Fed Loan DEPT. I have new proof that they were not suppose to get my new servicer, XXXX XXXX to add in any direct plus loans from my daughter 's college, XXXX College XXXX XXXX XXXX XXXX in with my consolidation loan I did with XXXX XXXX. I received an email from the " Borrower Defense Refuns Cancellation DEPT '' that if I requested the loans for this college to be put on freeze, this is allowed until the investigation against this school for frauding loans, allegelly, has been determined. I have contacted XXXX XXXX to change the online consolidation back to remove al of the loans from XXXX College or I will cancel it ... This isi my right as the consolidator applicant. 

I will provide proof from this dept. Also, the Fed Loan dept. responded to my letter that they had already frozen the loans due to them being under investigation. I never spoke with them about having problems with these loans in regards to needing help with payments! It was about why so many were requested only! 

Also, if you review the total expenses of the college during my daughter 's one year enrollment which was from XX/XX/2017 to XX/XX/2017, review the copies of her financial aid summary that I provide, ( not from the financial aid office since you may not be able to trust unless you comopare their statements with mines ... ), you can clearly see, she had enough financial aid form grants, scholarships, Stafford loans not to need the amount I am now showing that the school borrowed & are trying to make me repay by sneaking them on my credit report & in my consolidation! Some nerve! It is clear that the amount of the tuition & other expenses deducted by the financial total amount she had doesn't equal the amount of loans they got which is {$130000.00} in direct plus loans which exceeds the {$55000.00} limit of this kind of loan anyway! No way they can not be found with no fraudulance. Even the amount of the loan only has a {$55000.00} limit. Please, tak note of this. 

Thank you Miss XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: CA
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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. 
My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap. 

XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX inquiried about my credit on or about XX/XX/2018 without my permission. I authorized this dealership to submit a XXXX credit application only. XXXX XXXX XXXX inquiry was suppose to be a soft inquiry but shows as a hard inquiry. I notified XXXX XXXX XXXX of the error and their finance manager provided the attached email for clarification. I tried to attempt to dispute this inquiry on Experian website but there was no option to do so.

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 2017-12-01
Company: Credit Service, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this account was taken to court and legally dismissed by a judge. There is no further balance owed and the collection company continues to report the collection balance as XXXX dollars XXXX. this account was taken to court and default judgment granted for {$500.00}. Collection company continues to report account to all three credit bureau 's with a balance of {$910.00}. Account has also been paid on through original creditor. Both of these accounts have been disputed on three separate occasions and the collection agency continues to report inaccurate and unsubstantiated information. 

CSI group has stated that dispute was received and investigated without showing proof upon request. CSI group has also responded stating dispute was received 8 times through XXXX which is also incorrect. All disputes have been made in writing and never responded to. CSI group has violated the FDCPA and FCRA by not doing an investigation that they admittingly have received 8 times and also reporting inaccurate information on my credit report for the past 4 years which has caused denials of a rental for myself and my children. 

After the first complaint filed X/2017 csi group proceeded to remove XXXX XXXX XXXX account of {$2600.00} from on XXXX leaving the damaging and inaccurate information on both XXXX and 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 2018-03-23
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX on Equifax XX/XX/2018 No Contact Information Available I have no knowledge of this inquiry nor I had given authorization for such. Please remove. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: MARINER FINANCE, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any results.

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 2017-08-21
Company: Navient Solutions, LLC.
State: OH
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:
FROM XX/XX/XXXX TO XX/XX/XXXX Making payments to XXXX at {$300.00} a month starting in XX/XX/XXXX. When the Student loan forgiveness act was to be introduced they created Navient to handle services, avoiding the forgiveness act. 

Being a XXXX XXXX i am eligible for dept forgiveness after 10 years. I am currently 7 years from retirement. I believe they deliberately split Navient off to continue to reap gains on payments thus taken the onus off them! In steps Navient to continue to deny any payment to the forgiveness act. 

They say the only way is to refinance. In steps XXXX through XXXX XXXX XXXX. 


Its a shame that the XXXX XXXX XXXX let this happen, corprate greed has destroyed this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hunter Warfield was not my oringinal collection agency it was XXXX XXXX   which means XXXX XXXX wrote off my debt in their tax return and the contract was canceled with XXXX XXXX and I shouldnt owe Hunter Warfield anything. I spoke with Hunter Warfield twice to reduce the amount to pay because with the negative payment on my credit I am unable to quailfy for another house. The customer service representative only reduced it by {$50.00} dollars.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: OR
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:
Accounts Receivable - XXXX - is reporting on my credit report for over 5 years now for an account that was paid to the original creditor prior to it even going to collections! It was sent in error and yet it is continuing to update on my credit monthly. I have contacted my attorney and the next communication will be from him if they do not remove this account from my credit report. I never even got a notice from this company. 
They just put it on my credit with no 30 day right to dispute -which is against the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: EQUIFAX, INC.
State: NV
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:
In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX ) to the credit bureaus of XXXX  and equifax, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but XXXX  and equifax never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a XXXX XXXX XXXX XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: NE
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 contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative 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