BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
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 was checking my credit report and these accounts still on.. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2023-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am victim of fraudulent abuse. XXXX XXXX Bank I did not authorized for them to do anything to my account nor credit report I did not use their money someone used my information and now im stuck with this bad credit report that I do not deserved! Im asking for this to be removed and further investigation!!

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 2022-01-24
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
XXXX is failing to reflect 4 American Express credit cards that I am individually responsible for, despite connecting my American Express account to their " boost '' program and submitting additional paperwork from American Express that reflects at least one of my accounts has been open for over 16 years. XXXX and XXXX have no issue reporting these credit lines. 

I opened a dispute with XXXX to resolve this problem. XXXX suggested I contact American Express, which I did. American Express provided me with a formal letter reflecting at least one of my accounts was open and in good standing since 2006. I uploaded this document along with recent account statements directly to XXXX on XXXX. American Express claimed they were going to " re-send '' my credit data to XXXX but that this process might take 60 days. I am seeking a mortgage and my closing date is well before 60 days. 

As noted above, I linked my American Express account with XXXX 's boost program, which uses a third party to search my credit cards for utilities and other bills. XXXX was able to access my account and see all 4 credit cards, but still fails to report the actual cards and my regular monthly payment of the balances due on my credit report. 

It has been over 30 days since I began asking XXXX to investigate this issue and thus far my accounts are still not reflected. I call every 72 business hours and am assured that the issue is being " looked into '' by the Data department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit and personal information has been compromised by the EQUIFAX DATA BREACH. Here is the proof : ( see attached ) My personal data has been effected as well as my social security number being utilized by another party. 

EQUIFAX has refused to delete and remove these accounts from my report. See the following : XXXX XXXX XXXX Communications - Would not provide act # Amount Owed {$190.00} CREDENCE Credit Resource Management Act : XXXX. ( Won't provide full acc_ {$340.00} Designed XXXX XXXX Amount Owed : {$1100.00} XXXX Credit Card Chase Amount Owed XXXX. 

Any and all accounts need to be deleted immediately. Many of the past accounts have been paid and the creditors have refused to remove them and/or show proof of ownership of said accounts after they supposedly 'purchased ' said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is related to Capital One and their horrendous customer service. I purchased a container of furniture for my business from XXXX using a money wire service called XXXX. The amount was {$10000.00}. The product was grossly misrepresented so I reached out to the manufacturer who refused to answer my questions about the product. He even kept eight of my chairs and didn't tell me they were on the container until I asked where they were. Long story short, I filed a claim with Capital One and they sent me an email saying the provisional credit was mine to keep and the dispute was now closed. But then two days later they send me another email and said they'd be removing the funds from my account. They didn't give me any documents or reasoning. How can they do that?! Bad business and unethical. I'm pissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Navient Solutions, LLC.
State: SC
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:
XX/XX/2014 I began working with Navient to consolidate my federal student loans. I paid them a total of {$600.00} and was advised that my loans were paid in full. My loans were also taken off my credit report ; they returned a year later and while attempting to contact Navient, I was advised that they could not locate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
An open credit account in Florida is shows on my XXXX account but TransUnion and XXXXits been open since XXXX I found it but no one XXXX are willing to look into it or tell me they can't find it. My credit is questionable but this account is nearly XXXX credit at need usage XXXX , % hurting my score that much more. Also there's inconsistent information when you compare XXXX TransUnion and 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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is under litigation the balance is incorrect and I need account closed not only closed but removed from my credit report 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 2022-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my checking account in XX/XX/2022. At the time of closure I had an available balance of {$28000.00}. The bank closed my account and held on to my funds. I have tried various times to resolve this issue with the bank to no avail. The claimed I should provide evidence of two deposits that were made into my account. I have since obtained evidence for those payments but now they wont work with me to present the evidence. It is absolutely absurd that the bank thinks they have the right to hold other peoples funds and its borderline criminal

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 2023-11-22
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
Consumer complaint received 2022-08-17
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: Problem with personal statement of dispute

Complaint:
This is XXXX XXXX and I am submitting this complaint today to inform the Credit Reporting Agencies that they have failed to comply with my request and continued reporting the disputed items on my Credit File without sending me copies of documents of verification! I have been sending multiple letters addressed to the Credit Bureaus requesting that they reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, they have failed to respond to my requests. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following items as I believe these items are reporting erroneous information on my Credit Report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX  XXXX Balance XXXX {$3000.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX Balance : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$540.00}

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 2018-01-12
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The court issued an order of wage deduction on XXXX XXXX, XXXX for {$56000.00} debt owed to XXXX XXXX XXXX XXXX XXXX, although I received a XXXX from XXXXXXXX XXXX for tax year XXXX cancellation of debt XXXX. The XXXX was sent to the creditor attorney. As of XXXX/XXXX/XXXX the balance due according to the creditor is {$54000.00} although I received XXXX ( XXXX ) for {$5200.00}. It does n't appear the amount is decreasing as it should. The judgment amount continues to accrue interest, no statements of explanation has been provided to me. The original loan amount from XXXX XXXX XXXX was {$25000.00}, XXXX XXXX did n't provide how the amount increased to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: OUT TECH, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Medical bill was to be handled through insurance. Moved in Late XXXX, so never received invoice/ was never contacted through other methods regarding an outstanding bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: CO
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:
An open credit account in Florida is shows on my Experian account but XXXX and XXXX.its been open since XXXX I found it but no one Experian are willing to look into it or tell me they can't find it. My credit is questionable but this account is nearly XXXX credit at need usage XXXX , % hurting my score that much more. Also there's inconsistent information when you compare Experian XXXX and 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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 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 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 2022-01-24
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-02-02
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XX/XX/2020, I accidentally submitted two electronic payments from my bank, XXXX XXXX, to my mortgage servicer, Loan Care ( NMLS # XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX ) The first was the correct payment amount of {$2700.00} and the second added an extra " XXXX '', i.e. {$27000.00}. 

When I discovered this I immediately called my bank to see if they could halt or suspend the payment. They attemped to do so and were unable to. 

Both payments cleared by bank on XX/XX/2020 and were " GOOD FUNDS ''.

XXXX XXXX suggested I call Loan Care and ask them to refund the 2nd over payment. I did so, and they told me to email a request to " XXXX ''. I did that, and they replied stating that they needed a bank statement. At that time, I had not received the bank statement yet but sent them a 'screen shot '' of my bank portal showing the transaction clearing the bank. That apparently wasn't good enough. They replied with a closed " ticket XXXX ''. 

On XX/XX/XXXX, I contacted XXXX XXXX and an agent and I together called Loan Care in an attempt to solve the issue. We were unable to get the issue resolved with the agent, and we asked to be transferred to a supervisor. XXXX XXXX both faxed and emailed documentation that Loan Care requested. 

With each question the XXXX XXXX representative and I asked, more obstacles were presented by the agent, couldn't be refunded to the bank, had to be sent by check, takes a minumum of 10 days, fax might not be found, delay delay, etc., etc. To say the process was frustrating was an understatement. 

The Supervisor eventually found the information XXXX XXXX sent and started a new " ticket '' number XXXX. At the end of the call, however, we felt that the new ticket would be resolved. 

That was 2 and 1/2 weeks ago, and NO communication has come from Loan care. They have refused to return the overpayment. I notified them on the XXXX that if I did not have the refund by XX/XX/XXXX I would be contact the CFPB. That didn't phase them one little bit. 

I do hope you can help. 

Than you. 

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