BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
A fraudulent charge was made on Bank of America credit card on XX/XX/21. The card was linked to my XXXX account and I believe this was account that was hacked. I changed my password on XXXX and alerted my bank of the issue as soon I was aware of the issue, which was in mid XXXX. No additional charges have been filed. 

Bank of America reimbursed me for the fraudulent charge and sent me a new credit card.

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 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCA has refused to validate the debt that they are reporting on my credit report. They have never sent me letters or emails telling me I even had a debt with them. We didnt find out until we started our home purchase. I tried to call and verify the debt and ask for a pay for delete just so I could get it off my report so we can move forward with our home purchase however they are refusing that as well. I have a letter that they agreed to delete an account for another person only AFTER they filed a complaint with the CFPB so this is my last resort at getting this removed from my report. Thank you for any help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've had my personal and business account with TCF Bank for over a year. The business account was closed due to non-activity and account maintenance fees. The personal account I have with TCF Bank I just recently found out my account was closed due to a " fraudulent '' transaction presented to my account multiple times that caused my account to go into a negative status. I haven't used the account in almost a year and recently spoke with a representative back in XX/XX/2019 that stated the account was in a dormant status because of no activity within 1 year and I was told I would need to go inside the branch to re-activate the account and at the time the account was in a positive status. Today, I spoke with a representative that stated the account was closed and sent to collections for an account balance of {$140.00} in fees due to a " fraudulent '' charge being presented to my account multiple times. I don't understand how this could happen and don't want my banking relationship with TCF Bank to ruined or my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA Violation : address not mine 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 US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX hard enquiries not mine 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 collection not mine 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 2023-05-31
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: Was not notified of investigation status or results

Complaint:
I am reaching out to formally request the deletion and removal of specific accounts and associated information from my consumer report. It has come to my attention that the inclusion of these accounts and information on my consumer report is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly urge you to take immediate action to rectify this situation by deleting and removing them from my consumer report. 

The presence of these accounts and information on my consumer report not only constitutes a breach of multiple laws but also undermines the accuracy and integrity of my credit profile. It is of utmost importance that you swiftly address this matter and ensure compliance with the FDCPA and FCRA. 

I trust that you recognize the gravity of this issue and the legal obligations entailed. I request your prompt attention and immediate removal of the aforementioned accounts and information from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: TX
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:
XXXX  was notified about fraud accounts on my file that fraud, ... .. I submitted the documents to have the account block.The Bureau refused to block the accounts over 3 years..Once the XXXX XXXX account was block and added back on file with my knowledge.When I ask Office Of Consumer Finance about why? My question never answered. Which I had over 13 fraud account that was on XXXX And XXXX that been removed over 3 years ago ... The Bureau had block me from monitoring my credit and do n't give any access to Office of Consumer Affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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

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: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX XXXXDate of Inquiry XX/XX/ 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: PNC Bank N.A.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a loan with BBVA Compass in XXXX and now it has been absorbed by PNC Bank. I do not have any active accounts with PNC Bank. The debt was purchased more than one time and now XXXX XXXX XXXX has filed a lawsuit against me. XXXX XXXX XXXX is a successor-in-interest and the lawsuit originated in Utah. It also states that the debt was acquired on XXXX XXXX. This account was not opened in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, XXXX, XXXX and XXXX XXXX submitted a home loan application at your XXXX Navy Federal Branch with Ms. XXXX ( XXXX ). She provided excellent customer service but every encounter thereafter was less then professional. XXXX advised us the we would receive an offer letter within two weeks of submitting the loan application. 

Using the XXXX provided all requested documents on XXXX XXXX, XXXX. We did not hear anything from Ms. XXXX for over a week. My husband called and emailed her several times. 

After three weeks we finally received a call and email correspondence on XX/XX/XXXX, stating that a decision was made and to return her call to go over the decision. My husband spoke with her and she advised him the the loan was denied and she did not provide specific details regarding the loan denial. She merely stated that we had to many delinquencies in the past 12 months. My husband is a veteran and he served XXXX yrs. in the XXXX XXXX and we are both government employee 's. We have had a attitude of service for both the country and state of California but no one will serve him! 

Ms. XXXX XXXX did not provide information about were we could retrieve the information used to deny the loan. Her lack of professionalism with regard to timeless, providing information, and lack of customer contact throughout the process, made our experience horrible. 

My husband and I feel discriminated against because we were asked where we wanted to purchase our home, because he is paying {$740.00} per month in child support ( which will cease in XX/XX/XXXX ) and because my husband and I complained about her vigorously. We called the Navy Federal Branch manager and supervisor ( who we couldn't get on the phone ) who we left messages with requesting a return phone call. No one ever returned our calls. 

We submitted a written request for an appeal of the decision and yet again ; no correspondence, decision, contact, answered calls. As a matter of fact the phone number she leaves on her voice mail is disconnected. Call it : Her Cell - XXXX and the number she says to call her at XXXX ( disconnected ) We will be reaching out to the State Attorney General 's Office to see if any laws have been broken and to request some mediation/resolve. We would love to here from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: MoneyLion Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Received loan on XX/XX/19 with biweekly installment payment terms. Changed banks in XXXX. Took me a full month to get any assistance from customer service to update my banking info so that I can continue to make payments. Finally it worked. In XXXX of XXXX, the company stopped debiting my payments but continued to debit my " membership fees '' ( a requirement if you have a loan ). I have been contacting this company daily ever since and only getting automated messages to update my app and re-add my banking info, which I have done repeatedly. Nothing works and I can not get a live person on the phone to save my life. I started emailing in XXXX as well as calling, I have attached screenshots of my sent emails to them as well as the content of one of those emails, and still no response or action was taken to help me.This company is now reporting me as defaulting on my loan and respond to my disputes no problem but still can not address the issue with why they can debit my account for membership payment but not loan payments. I tried to pay the loan in full so that I can be done with this company once and for all, and they never processed that payment either and still will not respond to me or answer my calls. Meanwhile, on their website, it shows my loan is paid in full, yet I know it hasn't been and they continue to report me for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 non-monetary relief
Consumer complaint received 2018-08-29
Company: AES/PHEAA
State: CO
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 submitted an employment certification form to XXXX XXXX  and noticed that the number of qualifying payments was significantly less than the actual amount of payments I made. Some loans showed 9 qualifying payments while others showed 6, even though they were all handled under the same IDR and payments were collected on all loans at the same time through direct debit. When I submitted a request to XXXX on XX/XX/2018, they said they would check on it and let me know within 70-90 days. At the time I believed I had made at least 12 on time, qualifying payments. I was at the same government organization for the entire time and had already submitted an ECF the year before. I am still at that organization. I followed up on XX/XX/2018 after over 90 days and XXXX said it would take even longer. I have kept records and know I have submitted 18 qualifying payments at this point. I followed up with XXXX again on XX/XX/2018 ( 132 days later ) and have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: EQUIFAX, 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:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter 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 2023-02-21
Company: Experian Information Solutions 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:
This is my 8th 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXXXX/XX/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 2021-05-04
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Just recently, I noticed my credit report had an unpaid medical bill listed in collections. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX. They were unable to locate the original charge. I then contacted the collection department who had the debt listed on my credit report. After searching my records, I realized the debt was valid and sent the the collections an email. Unfortunately, with no response from my email I sent, I proceeded to send the collection agency a certified letter. 

My letter, again, acknowledged the debt, I asked for payment options and also apologized for the nonpayment of this bill. I have not heard anything from them as of today, XX/XX/2021. The certified letter was received by the collection agency as per certified mail number XXXX XXXX XXXX XXXX XXXX. 

I have previously left a message at the XXXX number, emailed them as well as sent a certified letter. Since it has has been over a month since the certified letter has been received, I would appreciate any assistance that could be given to help in removing this account from my credit report. 

Please let me know you require any additional information. I would be happy to provide it and I thank you in advance for you assistance.

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 2023-06-04
Company: EQUIFAX, INC.
State: LA
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:
Account number - XXXX Account name - XXXX XXXX closed and copies of of all three credit reporting agencies all reporting Information on the same account that is different and inaccurate such as payment history, balance due, status, late payment date. On my credit report which has violated my rights under 15 us code 1681 A, B, C. 
I Request within 30 days the verification an the means in witch this information and payment history was validated this debt with in the allotted time or have this deb t removed on the grounds that this information is inaccurate, and in paragraph 2 of this titled exclusions and sub paragraph State that transactions are not included in the consumer report. I request that all late payment history be removed or this account be removed of the credit report. I request all the ways that the account was verified as correct

Company response to consumer: Closed with non-monetary relief