BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
I have audited and sent BANK OF AMERICA a billing error notice and a cease and desist and I have multiple open unresolved complaints with BANK OF AMERICA through the consumer financial protection bureau.they have just taken adverse action against me by reporting to credit reporting agencies XXXX, XXXX, and XXXX ; that I have not made a payment and that an alleged debt is owed.Pursuant to.12 CFR 1026.13 until a billing error is resolved adverse credit reporting is prohibited.They have fraudulently reported I missed a payment and that a false amount is owed.BANK OF AMERICA now subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of 12 CFR 1026.13. be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. This adverse action will forfeit BANK OF AMERICAS rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold them liable under 15 U.S.Code 1693m for the actual damage caused to I, as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to provide required documentary evidence as requested to clarify and revolve the previously addressed billing error. They have not provided the documentary evidence requested pursuant to 15 USC 44 and IRS publication 583 both journal and ledger including any and all accounts made using my intellectual property and signature associated with this account both public and private.They have not provided me a full full disclosure requested pursuant to 15 USC 1681g either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XXXX XXXX there were five separate fraudulent credit applications that I did not consent to or have knowledge of until after examining my credit report on XXXX XXXX and was referred to this complaint process. Prior to this fraudulent activity an individual also attempted to withdraw funds from the bank account via social media and the police were told but did nothing to the culprit known asXXXX XXXX who is residing in XXXX TN. She obtained my sensitive information from her partner XXXX XXXX who had my information stored somewhere. The companies and their information is listed below. Thankyou for allowing me to submit this complaint and I hope it is resolved accordingly. Id law enforcement is notified Ill be happy to provide information. 
1-XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: OK
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:
I made a dispute about the XXXX XXXX account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want you to be advised I contacted the bureaus multiple times on this fraudulent medical account on my report. I requested VALIDATION not verification on this " XXXX '' account number XXXX but I haven't received any update on this account. I want this fraud account remove immediately. The fact the account is fraud is my number one reason I want this account deleted. Therefore, its completely inaccurate, the dates open are inaccurate TransUnion has this account open on XXXX but XXXX has XXXX XX/XX/XXXX. Furthermore, the same company XXXX but different account number XXXX is the second fraud account on my credit report that TransUnion is reporting. I want these fraud accounts deleted off my report immediately. The date open is also inaccurate on these fraud account TransUnion reports the date open is XX/XX/XXXX. However, XXXX has the date open at XX/XX/XXXX. PLEASE DELETE THESE FRAUD ACCOUNTS OFF 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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I made a dispute about the XXXX XXXX  account showing up on my credit it report and i told them this is unfair and unjust that they are make a report on my credit and I wanted it removed Immediately. They still have not removed it from my credit and are still report it as a charge off. i am trying to better my life and raise my credit score so i can buy a new home and this is hurting me can you please help

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 2019-01-16
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
So I filed a previous complaint against Midwest Recovery Systems only for them to totally respond with information that was nothing but a lie. They claimed that MRS policy to send notice within five days of communication per the FDCPA. Our internal policy is to honor both verbal, and written validation requests. 

MRS broke the law per FDCPA because they put this so called debt on my credit reports without notifing me at all, their agent callled and bragged that MRS had already submitted to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: AES/PHEAA
State: OH
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 attempted phone calls to correct an inconsistency in my PSLF count. Fedloan will not count the period XXXX as eligible due to a paperwork inconsistency concurrent with previous misleading statements about the TLF program and the subsequent paperwork that was submitted. That TLF paperwork was never expunged from my file, so the PSLF payments for those periods continue to not be counted. Due to my previous complaint being remedied, the TLF application needs to be deleted, and those payments need to be counted. I have submitted two employer certification forms ; one in XXXX and one at the end of XXXX. My employer qualified and I have not changed employers since XXXX. Any time I try to call and talk to someone I am put on hold for hours, waiting to talk to a PSLF specialist. I am tired of the runaround and need someone to fix my file so my payments all count accurately and appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2021-11-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/21, I was unlawfully discriminated against and denied my RIGHT to extend credit pursuant to 15 U.S. Code 1691 ( a ) ( 3 ) as I in good faith I exercised my right to extend as well as grant credit as the original creditor using my credit card number ( social security card number ). Inaccurate information was also obtained from a credit report in connection to the denying my natural right, which is in fact a violation of 15 U.S. Code 1611. Notice it is a fact, I, the consumer is aware social security card is a credit card pursuant to 15 U.S. Code 1602 ( I ) as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, it is also a fact, I the consumer is also aware the term credit means the right granted by I, the original creditor, to a debtor defer payment of the debt pursuant to 15 U.S. Code 1602 ( f ). Last but not least, I, the consumer, am aware pursuant to 15 USC 1602 ( g ) the term creditor refers only to a person, meaning not the organization but the natural person, meaning I, the affiant and consumer, who regularly extends consumer credit, in connection with loans, sales, property or services payable by agreement which a finance charge may or may not be required or the natural person whom the debt arising from the consumer credit transaction which maybe payable on the face of evidence of indebtedness such as a contract or by agreement. We can resolve this issue by by allowing me to extend my credit without discrimination, to obtain the consumer credit product your company has to offer.i do not want to take this case any further as their isnt ant reason for me to be denied something that is paid for by my credit card. Please contact me as soon as possible. I'll also be contacting the Consumer Financial Protection Bureau about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$9900.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was a XXXX XXXX XXXX and was involved in a very minor fender bender. I paid out of pocket to replace the bumper on the vehicle. The money owed for the bumper was taken directly out of my paycheck and there is not outstanding balance due. Now the XXXX XXXX is saying I owe additional sums of money that is completely unsubstantiated. The company is in complete violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ). This act prohibits usury interest being charged on a debt owed. In this matter, I do not owe any debt. The act also says that interest can only be charged as per a signed agreement. I am no longer with the XXXX XXXX   and I never signed any kind of employment agreement. Consequently, this false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against XXXX XXXX XXXX XXXX for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted XXXX  XXXX on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was Speedy Cash.com and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with Speedy Cash. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from Speedy Cash or XXXX  XXXX XXXX about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against XXXX XXXX as this negative reporting on my credit has created a serious financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I had an XXXX rewards credit card, managed by XXXX XXXXXXXX XXXX, which was set to expire in late 2022. 

Without my knowledge XXXX transferred their provider bank to First National Bank of Omaha ( FNBO ), which issued a new card which was not set to expire in XXXX sent it to an address at which i no longer resided and started accepting charges against that card without my having activated or even ever seen it or knowing that i now had a relationship with FNBO. 

I was under the assumption that my card would expire and charges against it would cease, not that a financial institution i had signed no contract with would accept charges on my behalf and start trying to collect on them.

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 2021-11-18
Company: Experian Information Solutions Inc.
State: TN
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:
Experian, XXXX is verifying a bankruptcy falsely. 
Companies have been verifying through thrid party agencies in which XXXX XXXX have sent myself and each reporting agency copies of my report verifying that i have no bankruptcy. I also have documents directly from court house. 

My question is who is holding these credit agencies responsible when they break these laws in place. 

FCRA laws every consumer reporting agency must have the written consent of the consumer to furnish information and they do not have any written consent form me to furnish anything to their systems this problem keeps gettin ignored despite my evidence being presented which in turn s make me resubmite everytime it gets closed out.

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: CA
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:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Opened a GM credit card account prior to XX/XX/XXXX. At some point, the card management was taken over by Capital One. Have been paying down the balance since that time and in XX/XX/XXXX closed the account as I opted out of the change in terms related to interest rate. The account was paid in full on XX/XX/XXXX in the amount of XXXX. The card was paid off as Capital One changed the on-line payment methods and I was not able to use on-line account management due to these changes and Capital One refused to work with me to give me on-line access to my account, so I found a way to pay it off in full. They are now trying to charge me residual interest on {$4.00}. I tried to dispute this charge until Capital One could send me a copy of my original terms for this card, at the time I opted out of any changes to my account, but they refused to allow me to dispute the charge. 
No only do I believe they should credit my account in full for the {$4.00} charge, but should also allow me to dispute this charge so that am not charged any penalty, etc., until resolved. Capital One is completely unwilling to work with customers to resolve any issues. I never asked for this account to be managed by Capital One. I have no other accounts with them due to the unethical behavior. Just the fact that they respond does not mean the issue has been resolved. Your assistance in having my account credited in full for the {$4.00} charges would be sincerely appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have four unauthorized inquiries on my TransUnion credit report that do not belong to me, and I demand it removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation