BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Scott Fetzer Financial Group 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:
Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within XXXX days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 
Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: NCB Management Services 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:
I spoke with the collection company and they said If I paid the amount in full they were going to send me a deletion letter. After making the full payment, they sent me a paid in full letter, but not a deletion letter. I called a few times and spoke with XXXX, and he couldn't get any of his managers to send me the deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Victim of Identity theft. FTC  REPORT NUMBER XXXX these checking and savings accounts that were fraudulently opened by theft of my identity have not been closed after 4 months, over 9 demands to close and now Bank of America is charging service fees on these fraudulent accounts illegally. complaints to You, Federal reserve and office of the comptroller have been filed. They have been given all information, police reports etc ... CLOSE THESE FRAUDULENT ACCOUNTS DOWN NOW! Bank of America continues to send statements on these fraudulent accounts with another unknown persons name on it to my home. bank of America was notified on XX/XX/2019 via a phone call they made to me to verify if i had opened 2 online accounts in which i told them no! Bank of america has lied and lied and lied stating numerous times the accounts have been closed when you can clearly see they are not!!!

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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023 I received a letter from a debt collection company. The name of the organization is XXXX XXXX XXXX XXXX. This is my response. I have attached a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM. This is my response. Please answer all questions and validate this debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: STATE BANK OF INDIA - NEW YORK BRANCH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My sbi card last 4 digit is XXXX I have told customer executive to close my sbi credit card but customer executive take me in a trap which is use less they told me to get voucher which I have in my card free of cost. 
They do not told me about any extra charge about this voucher value is rs XXXX and it will be paid for this voucher rs XXXX I did not use any voucher but in my statement rs XXXX were there Now I want to close all these matters quick

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: NY
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'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with Experian several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to Experian weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this 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 explanation
Consumer complaint received 2019-11-13
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: Account information incorrect

Complaint:
I have written several letters listing the inaccurate information on my XXXX  XXXX XXXX account and I've asked EXPERIAN to please delete the account because it's inaccurate and in violation to the Fair Credit Report Act. 
The debt was sold to a collection agency and it's not being reported. 
The amount is inaccurate. 
The payment history is inaccurate. 
And they are still reporting new late payments on a closed 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 2023-11-03
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 kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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 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 2019-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a debit card and 2 credit cards with Bank of America. One of the credit cards holds a XXXX balance ( Mastercard ), whereas the other card actually has a balance ( Visa ). I generally pay $ XXXX  monthly to the Visa credit card ( which holds an actual balance ) by transferring the funds from my debit account via the Bank of America App. On XX/XX/19, I accidentally made the {$250.00} payment to the Mastercard credit card ( XXXX balance ) which resulted in a - {$250.00} balance as of XX/XX/19. I decided to just transfer the {$250.00} payment from the Mastercard back to my debit account, which would make the - {$250.00} balance go back to {$0.00}. I was charged a cash advance fee of {$12.00} for the transfer. I quickly paid it off today on XX/XX/19 then called Bank of America regarding the situation. I wanted the fee reversed given the unique nature of the situation ( since the Mastercard held a XXXX  balance to begin with and just went into the negative ). Bank of America advised there was nothing they could do regarding this fee given the circumstance.

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 2018-08-03
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX transferred and recorded a mortgage assignment using XXXX XXXX XXXX  Loan Number. 

In addition, XXXX XXXX XXXX XXXX did not utilize a Power of Attorney when conducting a real estate transaction. 

The XXXX XXXX XXXX XXXX indenture expired.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-08-26
Company: Choice Recovery, 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:
Wanted to get all accounts verified from collection company and wont sent info requested... asking for itemized statement and refused to send...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OK
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:
I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} JXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00}

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 2021-03-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Navient on XX/XX/2021 to ask if I qualified for a deferment or a forbearance on my loans. I had damaged done to my home because of the winter storm that hit my state. The agent asked for my zip code to verify the area I lived in. She then said that because of the area I was in, my loans and other Individuals who also lived in my state would automatically have their loans go into deferment. I asked how long was the deferment? She replied with just call back when you are ready to begin giving payments. I also asked if she could cancel the autopay which she agreed to do. I was confident in trusting this agent. On XX/XX/2021, I received an email saying that I had defaulted on my loan. I promptly called Navient and was transferred to a male agent. He read off a script and then said how would you like to pay for your defaulted loan? I responded by explaining the situation and he raised his voice saying you owe two payments one for XXXX and one for XXXX. I responded with, you are incorrect because I have had my loans current because of automated payments until this month. It wasnt until he let me explain the situation that he listened. I asked why was I given wrong information from the previous loan agent? I trusted in Navient and they let me down. I hope that this error on their part doesnt show up on my credit report. This agent then put my loans in deferment until XXXX. I then asked if I will receive written notification of the deferment. He replied with yes through email. My intention for this complaint is for Navient to provide more customer service and support training for their agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had an IBR on file with the XXXX XXXX XXXX website since XX/XX/2007. The loan servicer has refused to acknowledge or honor the IBR on file, rather demanding that I submit individually to them, then not acknowledging receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: SYNCHRONY FINANCIAL
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:
Im seeing hard inquiries on my account that I didnt make.

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 2019-09-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 FOR 30 DAYS LATE???? HOW? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. When i confirmed with them Macy 's stated that they had sent it to the wrong address. Please correct / update for 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 monetary relief
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Back to 2008 I Pay off my 2nd mortgage. 
With Citi mortgage. 
After paying off they just sent me the congratulations for pay off my 2nd mortgage. Don't have any lien holders release.

Today I'm process my new 2nd mortgage with XXXX home loans. 
They asked the lien holders released. 
I call citi mortgage it out of business. 
I was struck right there. 
I sent the email to XXXX It's not respond..

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