BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was sued for a debt owed to Bank of America around XX/XX/XXXX for an amount of {$10000.00}. Through my lawyer, XXXX XXXX XXXX, XXXX, a settlement of {$6000.00} was reached. This amount was paid off on XX/XX/XXXX. On XX/XX/XXXX I was notified by my employer that my check would be garnished to pay off the remaining {$4400.00} to satisfy the {$10000.00}. My lawyer got involved once again as my checks were being garnished to pay off the debt. On XX/XX/XXXX the original settlement was honored, and the funds garnished would be coming back to me along with a note on my credit report of the debt paid off. This was pending I send a signed release form to XXXX XXXX XXXX, XXXX. The form was signed and arrived at their receptionist on XX/XX/XXXX at XXXX. The credit report changes have been honored but my funds being returned have yet to be honored with no further communications returned from XXXX XXXX  XXXX. The funds being returned as the pandemic hit was going to be a stress reliver for my family, but I continue to wait and wait. I am seeking that the {$4400.00} be sent to me.

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 2022-10-14
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX alance Owed : {$200.00} XXXX XXXXXXXX XXXX I XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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 reached out to Navient and the XXXX XXXX XXXX XXXX they have approved my my loan to be forgiven so I do not have to pay it.I also sent the letter the XXXX XXXX XXXX XXXX send me.Navient has not updated it on their end and are also reporting it on my credit report as dept no paid and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting inaccurate information on my credit via TransUnion and XXXX. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older 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 2023-04-05
Company: Experian Information Solutions Inc.
State: NC
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 Repair act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681. ( 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 then 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 information is accurate

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 2018-08-15
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt appeared on my credit bureau file report without any knowledge to me. I have told this company that this debt is not mine and that it was opened fraudulently. However, this company takes no action and is not trying to resolve the issue. I told the company that I never opened an account with the original creditor nor did I open any account of this sort in XX/XX/XXXX, since according to the credit report, the debt will be erased in XX/XX/XXXX. Furthermore, I never ever got correspondence of this debt previously. It just appeared on my credit report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hello, I have a loan with wells fargo for my suv that I got a laon from wells fargo from. i noticed that in XXXX and XXXX and part of XXXX my interest rate increased tremendously compare to the these past few months. I am now paying XXXX $ of interest and in the past months it looks like it reached up to XXXX $ in interest charges, Can someone please tell me how is that possible?

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 2021-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX, XXXX, and Experian furnished my consumer report without my consent and infringed on my right to privacy with two accounts on my consumer report XXXX XXXX XXXX XXXX XXXX for {$25000.00} and XXXX XXXX XXXX XXXX  for {$100.00}, violating 15 USC . 1681 ( 4 ), 15 USC. 1681b ( a ) ( 2 ) ( B ), and 15 USC. 1602 ( l ).

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 2023-01-24
Company: CREDIT ACCEPTANCE CORPORATION
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:
There are various inquiries on my account that I did not approve/ authorize.

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 2019-09-30
Company: SUNTRUST BANKS, INC.
State: AZ
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 refinanced my mortgage with the mortgage broker I've always used. He made sure that the current loan with Suntrust Mortgage would be paid off on XX/XX/19 to make sure it wasn't late. He's never had a problem paying off a loan on the XXXX of a month with any other bank, however Suntrust Mortgage company reported my payment as late because it was after 30 days. They didn't take into account that it was paid by the end of the month and paid in full. When I contacted them they said they wouldn't change the reporting because it's their policy that it be paid by the XXXX of the month. I feel that this late payment showing on my credit report is incorrect .... and the payment wasn't even made by me, it was paid through the process of refinancing. This bad report reduced my credit score by over 20 points! If you review my credit report you would see that I've never made a late payment, that's one thing I'm always good about doing, paying my bills on time! Thank you!

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 2019-01-09
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2018 : Rate Reduction program agreement for 6 months XXXX XXXX XXXX : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XX/XX/2018 : XXXX payment XXXX XXXX XXXX : XXXX payment XXXX XXXX XXXX : statement received for XXXX for last of 6 payments. Amount deducted from account was XXXX. Navient stated the agreement had ended. I violated the agreement. I failed to renew in 6 month time frame. Interest rate was increased to 7.5 % In an attempt to discuss and review this issue Navient is stating I was aware of this increased deduction and agreement violation without Navient ever contacting or providing a statement indicating the amount due was more than the agreed XXXX or that the 6 month contract had ended before the 6 month term

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
To quicky explain, I went to Wells Fargo to apply for a credit card and they denied Me. For their own reasons I have been financially cast aside and lost at sea, dealing with Wells Fargo as a banking institution. Their practices have proven to be discriminatory toward their indigenous abOriginal American customers, I see.

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 2019-09-30
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND INQUIRIES AND I DO NOT KNOW HOW AND WHEN SUCH ACCOUNTS WAS PLACED ON MY CREDIT. BECAUSE OF THESE NEGATIVE ACCOUNTS MY CREDIT IS IN A VERY HORRIBLE STATE. IT HAS ALSO BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-04-11
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to have phone services with XXXX XXXX when I lived in XXXX XXXX. I move to XXXX in XXXX and had disconnected the service. The phones was traded in with XXXX  which, according to XXXX  paid the total of {$1800.00} to XXXX for switching carrier. XXXX contacted me multiple times in XXXX and reported the matter to the credit reporting agencies. I did file a complaint with the XXXX XXXX XXXX. I sent them a statement from XXXX that the phones were paid off. The matter was settled and the collection notice was removed from my credit report. 

On XX/XX/XXXX, I received a call from Jefferson Capital System, located XXXX XXXX. XXXX  MN and they indicated that they were a debt collector. I told them that the debt was invalid. On XX/XX/XXXX, I received an alert of a COLLECTION by Jefferson Capital System - XXXX XXXX XXXX XXXX, XXXX XXXX  MN XXXX on my credit report in the amount of {$1800.00}. This is a FRAUD as they are pressuring me to pay {$1800.00} which I do not owe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC BANK SMART ACCESS IT HAS BEEN 2 1/2 YEARS NOW I HAVE BEEN TRYING TO GET MY FUNDS OUT OF MY ACCT. I HAVE BEEN GIVEN THE RUN AROUND FROM XXXX OF XXXX AND TOLD NEMOURS TIME SOMEONE WOULD CALL ME BACK AN TILL THIS DAY THEY HAVEN'T BUT IS TAKING THE XXXX MONTHLY FEE FROM MY ACCOUNT. IN XXXX I WAS TOLD TO GO TO BANK BRANCH IN SHOW MY ID AT WHICH I DID. AS OF TODAY XX/XX/XXXX THEY STILL HAVEN'T RELEASED MY MONEY. TODAY I WAS TOLD AGAIN THAT THE XXXX WOULD DO A EXLACTION ON THE ACCOUNT. THE ACCOUNT NOW HAS XXXX WHICH THEY OWE ME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES 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 non-monetary relief
Consumer complaint received 2021-10-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have had this XXXX account since XXXX, or XXXX, which is used for many dental offices. 

At the beginning of the year I had a XXXX balance, and then went to the dentist multiple times starting XX/XX/XXXX, through XXXX. 

As with all my bills, I paid XXXX {$100.00} every time I got my monthly email from XXXX saying that the minimum payment due was {$56.00}. 

I was shocked to find out this month that my balance has gone up, am being charged {$120.00} interest alone this month, etc. etc. 

Am still on hold with XXXX, as I type this, for more than an hour. The previous two people keep trying to tell me that this was some promotions, and that the dentist should have told me about it. 

This was an active account before I ever went to this dentist. with a XXXX balance, which I had paid off years ago. 

How can an existing credit card company say that a new charge was a promotion? How can they say that the dentist should be telling me this? An existing card!!!!!!!! 

They say that the current, and multiple charges on my card had their own multiple promotions, again for an existing credit card. 

Am pretty sure that my legit charges were somewhere around {$1600.00} by the time I was done with the dentist. And now, after six months of paying {$100.00} a month, almost twice the minimum payment due, my balance is over {$1700.00}! 

How is this legal??????????????? 

Still on hold waiting for the supervisor 's supervisor. But if it's like the previous call, I fear they will just disconnect me again. 

This can't be legit! I've been through enough with Covid, financially speaking, haven't we all. 

Can you please help me! 

The company can identify me through my name and phone number XXXX XXXX XXXX XXXX Thank you,

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 2023-05-17
Company: EQUIFAX, INC.
State: FL
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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
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: Their investigation did not fix an error on your report

Complaint:
Following a review of my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies, I determined that said reports contained a XXXX XXXX XXXX mortgage loan - under account number XXXX - that was closed more than seven years ago. I initially disputed the account as antiquated to no result. Not only did XXXX XXXX XXXX ignore and reject my complaint, they did not respond to my complaint at the credit reporting agencies. 

I filed separate disputes to XXXX, XXXX and TransUnion. Each dispute was summarily rejected as frivolous. The negative and antiquated XXXX XXXX XXXX account remains on my credit 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 explanation
Consumer complaint received 2023-02-16
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: 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-05-06
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My complaint is with Equifax. I submitted a dispute XX/XX/2019 online, for some reason the online portal would not allow me to continue so it had provided me a form to manually submit through email. On the dispute form I submitted, it included only 2 accounts. One with the amount of {$310.00} for XXXX XXXX and the other in the amount of around {$1400.00} with XXXX XXXX, original creditor XXXX XXXX. As I submitted the form, it was having trouble and did not provide a confirmation. I followed up with a phone call XX/XX/2019 and spoke with a representative which confirmed a dispute was submitted and the confirmation number was XXXX. She then confirmed one of the 2 accounts were not included and proceeded to help me with another dispute, confirmation number XXXX. A few weeks passed and I received email confirmation that my disputed were resolved on XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I discovered most accounts on my credit profile were deleted. All of my open accounts that are correct and current were deleted. I have been in contact with multiple agents and supervisors. I have been told to contact my creditors and my creditors have confirmed they have been reporting to all three credit bureaus. My XXXX and XXXX profiles are correct for the most part and are updating, but Equifax has still not resolved this issue. This is affecting me tremendously and I need this to resolved expeditiously.

Company response to consumer: Closed with explanation