BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: IA
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 XXXX is reporting my accounts with them to the credit bureaus twice which is negatively impacting my score, because it is saying that I have been past due on 5 accounts when it's really only 3 accounts, of which 2 are with XXXX. I have 2 accounts with XXXX and on my credit report it is saying I have 4. They originally reported the two accounts under XXXX XXXX XXXX XXXX XXXX In XX/XX/2021 I filed a complaint with the CFPB about the credit bureaus reporting on accounts that had incomplete paperwork. XXXX agreed with me and deleted the XXXX XXXX from my report. XXXX and Experian said that they couldn't delete the accounts until XXXX told them to, regardless of what documentation I send them. XXXX didn't like that the accounts were deleted, so they re-reported the EXACT SAME ACCOUNTS but under a new name, XXXX XXXX Asset . They did not delete the accounts under the XXXX XXXX XXXX Experian and XXXX prior to reporting the same accounts under the XXXX XXXX XXXX name XXXX so now the accounts are listed twice. I have disputed this with XXXX adn Experian twice, but they keep coming back that XXXX verified the accounts, so they won't delete it. I have no idea how they're verifying I have 4 accounts when I clearly only have 2. I called into XXXX this morning and spoke to 2 customer service agents who both agreed I only have 2 accounts but refused to investigate or help. They said that I had to send in a copy of my credit report to them, highlighting where the duplicate accounts are. When I asked why they can't investigate themselves since it's their mistake, and they're the ones reporting it, the agent just said 'this is customer service 's process '. They have been duplicate reporting since XX/XX/2021 and are refusing to fix it. XXXX has the absolute worst customer service, and I would know because I worked in finance for over 10 years. We would never allow customers to be treated this way. I have no idea how this corrupt company is even allowed to still be open. I just want my credit report fixed, so I can move on from this nightmare that is 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 2016-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied to obtain a XXXX rewards XXXX card issued by Bank of America because of the reward programs that was listed on the ad I read in my monthly XXXX car club magazine. 
Here is the problem, the ad stated that if I used my XXXX rewards XXXX at XXXX approved car care centers I would be awarded triple points. However, I am not earning triple points. I have filed XXXX reports with Bank of America and have not been supplied with an answer that addresses the contradictions between what is being advertised as to what is actually being practiced.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 2015-04-22
Company: Blitt and Gaines, P.C.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
See Case # Case number : XXXX Please add and Re-vise- This debit which they are attempting to collect is past the amount of time to collect by Illinois law XXXX and this agency is selling-off my debit as a possible current debit with wrong info and amounts, without advising me with any info or proof. Rather they find it easier to harass by phone calls in the past- at all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: MD
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:
Dear sir, the credit bureau reported a false late payment on my credit report file account XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request you to see Verifiable Proof ( the original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of the verifiable proof, you must remove the accounts listed below. Account Name Account Number XXXX XXXX XXXX I have not missed a payment nor have late payments so far on this account. I also want all non-account holding inquiries over 30 days old removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I've called in to both Experian and XXXX to remove alerts and freeze I requested due to my background check coming back as not being mines, because of Experian spelling my name incorrectly as result if a background check from XXXX XXXX. Every time I spoke to different representatives even from another dept. I was asked questions to verify my identity that lead me to wondering if people are opening up credit cards, lines of credit in my name. When I asked the reps if this is showing on my credit, I keep being told that it's not that this infor. is on my credit reports, but, these are the questions they are showing to ask me in order to identify who I am. This made no sense to me ... 
Therefore, please investigate if anyone has open any lines of credit for auto insurance, or any credit cards, any type of accounts for any auto services & purchases. I have never requested or had any vehicles! I have never even applied for a driver 's license to have need to request for any auto insurance. Please, find out if anyone has open a line of credit for any jewelry, property or anything using my identity : name, social security, etc. These questions are being asked for a reason. When I am unable to answer due to not recognizing these companies or this infor. I am told that I am unable to be identified by reps. 
When I tried to go online to take care of them matter myself, I have had problems with being allowed to log in even after creating usernames & passwords. I did get in to XXXX XXXX website, but was suddenly logged back out. Then sent a message the the password I created & got in with, no longer works ... I was trying to removing alert, freezes to apply for a mortgage as a 1st time home buyer, which is my 1st time only doing this. I came across this problem. This is all for this. I believe that all of the cases I have had to report are connected to " politics '' being done against me due to retoliaton of putting my daughter 's college under investigation for suspecting fraud with loans ... ( I do choose my battles- if red shirt, please believe me. ) I have had to report to the EEOC as well. 
Thank you 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 2023-12-01
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a cash deposit into my checking account on XX/XX/2016, at an ATM at XXXX Bank XXXX ATM which the bank I use. The cash deposit was credited on XX/XX/2016, however, on XX/XX/2016 the bank charged my account an overdraft fee. I called customer service and was informed that cash deposits made at an ATM are not automatically credited to the account and must be made in person at a branch before XXXX. It is my understanding that a cash deposit is immediately credited and can not be held. THe bank held the cash deposit and charged an overdraft fee.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorizeXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: AES/PHEAA
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is reporting on my Consumer Credit Report and is NOT MY ACCOUNT. I am aware that I am a Federally Protected Consumer and the executor. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 AND the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I am demanding this alleged account and debt be removed from my report. I am filing this complaint as my final attempt to settle this issue. If this account is not removed immediately, I will file a default judgment in the US District Court against XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: General Motors Financial Company, Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
These accounts were opened in approx XX/XX/XXXX-XX/XX/XXXX by AmeriCredit. They have since been sold to GMFinancial. I have the partial acct # of XXXX and XXXX. XXXX was paid in full however XXXX was first delinquent BY the XX/XX/XXXX. GMFinancial is reporting incorrect dates on my credit reports. There have been no activity on these since XX/XX/XXXX. Since it has been over 7-8 years from first delinquency they can not be reporting these to the credit bureaus any longer. I have attached what the report is currently showing and as you can see threy lied on dates ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient, has made it hard to forgive the loan we have had for 23 years, as my wife is a XXXX  and I a XXXX. The loan keeps increasing it's loan payment higher and higher as it gets older. This loan practice sames odd. They are telling myself that my name is on the loan and not my wife 's, but they use her income and mine, to set payment and then tell me they can't forgive the loan, as her name is not on loan. I have been with this for a long time and will talk about documents if we may have a case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Discover took over the loan from XXXX in XXXX XXXX. Initially, my student loan rate at XXXX was 6.25 % but Discover increased my rate to 6.5 % in XXXX XXXX when it assumed the XXXX portfolio w/o communicating the terms to me via email or by mail. When i graduated in XXXX XXXX I had applied for auto debit that should lower my rate by 0.25 %. They did not entertain that. Then again, I see that that they increased the rate to 6.625 % in XXXX XXXX. In XXXX XXXX, they have increased my rate to 6.875 % in XXXX XXXX, to 7 % in XXXX XXXX and now 7.125 % in XXXX XXXX. This is a rip off since this was a fixed term loan and not a variable interest loan. All this while, my credit scores are going up and the interest rates have gone done. So why is Discover abusing and charging more fees that they are not communicating to me directly via email or via phone or via mail when they have all my information? I need money back for this negligence at their end and credit for extra fees paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
ON Thursday XXXX, I ordered XXXX pair of glasses off XXXX..Once I place the order {$280.00} was fraduently removed from my account. I call my bank minutes after it happened till this day I am still fighting to get my money back through Bank of America XXXX XXXX. That was my whole check and I have been pleading with them to either call XXXX or refund my money.. Which was for car repair I can not get my car out the shop because of this situation, when they refuse to refund me that money. XXXX has tried to give me a credit but were unable to because Bank of America canceled that card. This happened before in XXXX where someone has trade ins electronic device on my account my account was shut down for XXXX in XXXX, and I was refunded by XXXX XXXX, and it was prepaid account. All XXXX  HAS TO DO IS CALL XXXX THEY REFUSE TO CALL IT HAS BEEN XXXX DAYS AND THEY STILL ARE NOT TRYING TO GIVE ME MY MONEY, IN COMMERICIALS ALL I SEE IS MONEY IS INSURED YET I GIVE MY HARD EARNED MONEY TO THE BANK EVERY XXXX WEEKS BEFORE I EVEN KNOW HOW MUCH IM GETTING PAID YET THEY TREAT ME AS IF XXXX XXXX XXXX. I CALLED IN TEARS BECAUSE I CANT PICK UP MY KIDS FROM SCHOOL AND THEY STILL REFUSE TO CALL XXXX OR REFUND ME. THEY KNOW I AM XXXX AND IM BEING TREATED THIS WAY BECAUSE OF THE XXXX XXXX XXXX XXXX. IVE HAD XXXX FRIENDS HAVE THIS SAME ISSUE AND THEY GET REFUNDED DAY XXXX. I DONT KNOW WHAT TO DO FOR A BANK THAT HAS MILLIONS OF DOLLARS TO TREAT THEIR CUSTOMERS LIKE THIS THEY NEED TO BE FINED OR DONT NEED TO BE ABLE TO OPERATE WITHIN THE UNITED STATES I AM XXXX XXXX XXXX AND FOR A BANK TO TREAT ITS CUSTOMERS LIKE THIS IS NOT ACCEPTATABLE. THEY ALREADY LIED TO ME ABOUT A PROMOTION FOR {$100.00} TO GET ME TO SIGN UP FOR THE CHECKING ACCOUNT, AND XXXX  MONTHS LATER WHEN ITS TIME TO PAY ME THEY USE A FINE LINE PRINT THAT A NORMAL XX/XX/20 VISION PERSON COULD NOT READ. THEY ANSWER MY CALL EACH TIME I CALL SO THEY ARE NOT THAT BUSY THAT THEY CANT CALL AND GET MY FUNDS FROM XXXX THAT IS JUST THE XXXX  THEY HAVE FOR THEIR XXXX CUSTOMERS. I NEED HELP OR I WILL GO TO XXXX AND THE NEWS ... I HAVE GRANDKIDS THAT NEED TO BE PICKED UP FROM SCHOOL AND WITHOUT MY CHECK I CANT GET MY CAR AND THE BAD THING IS I HAD JUST GOT PAID THE SAME DAY ... PLEASE HELP IVE BEEN ON XXXX AND MY NEXT STEP WILL BE THE NEWS CAUSE IM TIRED OF PLAYING GAMES OVER {$280.00} WHEN THIS BANK HAS MILLIONS ... .AND THEY NEED TO STOP TREATING THE XXXX XXXX WRONG ALSO CAUSE THAT IS A FORM OF DISCRIMENTATION ... MY NEXT IS THE NEWS ... BECAUSE IVE WROTE ABOUT MY ISSUE WITH THE PROMOTION AND NEVER HEARD BACK FROM YOU SO I KNOW THEY ARE 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 monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account 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 Balance Owed : {$2400.00}.

Company response to consumer: Closed with non-monetary relief