BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion 's dispute resolution does not permit the ability to request review for missing information. My record was missing a credit card account I have. A previous card was closed due to a data breach and was replaced. TransUnion only has the closed card on file. In addition, my addresses are incorrect on all accounts. There was no way to indicate a missing account or the incorrect address. I could only select from addresses on file to indicate which is the current address : not useful when they have n't updated my addresses on any accounts after 4 years. My record even included a note that my addresses seemed suspicious. Pretty amusing they had time to note such but did n't have time to update the information so such a note would n't be necessary. 

I could not ask for the replacement card to be added because the dispute resolution process did not permit this. 

Even a different new credit card account was added with the old address -- which could not have been reported by this new bank that did n't know it. 

As a work around, I submitted a dispute on the closed card, noting it had been replaced and that the addresses were in correct, asking them to find the new card and add it to their records. 

In response, they deleted the closed credit card from my record -- counterproductive. The resolution did not match the purpose of my dispute. 

Their website says to submit a new dispute as a method of indicating the matter was not resolved correctly. However, even though they say to " click on the New Investigation link above '' on their Online Dispute Service Investigation portal, they provide no such link and the page contains no menus and only permits viewing of the original report. While it 's possible I will be able to submit a new dispute once the results of this dispute are deleted after a month, it seems TransUnion is intentionally limiting the ability to submit dispute inquiries. 

Though, to some extent, I 'm only assuming TransUnion made my record worse through the dispute process : because I can only access the current resolution report through the resolution Online Dispute Service Investigation portal ( which says they deleted the closed account ), I can no longer actually access my information since it is only viewable when submitting a dispute.

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 2018-05-22
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I applied for an American Express for the promotion of XXXX points if you spent {$1000.00} in the first 3 months. When I got the card XX/XX/XXXX there was no paperwork to show my promotion, so I called and they confirmed it was not on my account. They Then opened a case and said 6-8 weeks they would have an answer to what happened. 

I have reached out the them once a week since XX/XX/XXXX to today. It has been escalated 4 times to management and told me it would be another week for an answer. I have been lied to when I signed up for the card and never have gotten any answers on where my points are. I have also asked them to give me the registered name with XXXX to report them and the refused to give me any information. 

I want what I was promised. I have already spent thousands on the card and it has been 6 months of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SYNCHRONY FINANCIAL
State: MI
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:
So on my credit report it has Syncb/ppextr National Credit Card/Airlines. So I called the bank and they told me that then can not find any info under my name or SS # and that they can do anything with it. So I have called all 3 credit report companies and they tell me I need a letter from that bank stating that they dont have any info under my name. And I am done talking the the credit report companies and the bank because none of them can help me. So can you please help me get this off my report. date it happened XX/XX/2017. I have read on line that other people have gotten this on there credit report too. I just want it removed from my credit. 
Thanks

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 2019-05-07
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
first mark ( telnet ). i have been trying to setup auto debit over the past 3 months, ( i have now called at least twice each month ). but each time i am assured by the CSR after attempting to do it online that it has been setup appropriately, it is still not debiting my bank account. i don't understand why it takes more than 3 months and more than 6 phone calls to get auto debit setup.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I submitted two claims with boa, both of which were rejected almost immediately. The informed me via letter stating that it was rejected but didn't provide a reason why. When I called to question the reason, they admitted to have never contacted the merchant and simply based their decision on my logins to my account. I've done business with the merchant before so I never paid attention until I saw strange and high amounts. The claims were closed and now if I want them reconsidered, not only they won't give me credit even if temporary, there is no time limit on the duration of the investigation which as the rep who I spoke with seconds ago is a sham. A lie. They didn't investigate a thing, didn't even contact the merchant. Not only that, they'd not give me any documentation regarding the alleged investigation because and according to the rep it is an internal matter. 

I want fair treatment and I want my money refunded. I have a police report, I took the merchant to small claims court and if need be, I'll take the bank to court as well. 

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 2018-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America Home Loans Services has ERRONEOUSLY reported late payments for the months of : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted BOA and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by Bank of America.

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 2018-03-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX spoke with respentstive in reference to fradulaent account on credit report. Representative advise me that the negative report will be removed from credit report and the report is still on present showing negative and it will not let me dispute due to inaccurate and the company not being able to prove when the services was conducted. I want this negative report removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was told that this information was no longer on Equifax but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: NE
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:
Good morning, on XX/XX/2019 I send a dispute letter to the Credit Bureau Equifax. I always send my dispute letters with proof of the reasons of my dispute. This is not the first time I have disputed these accounts with them, but the funny thing is that with this last letter they never answered me back. The good thing is that I always keep my Return Receipt in case things like this happen to me. All the accounts that I am referring they have one thing in common, inaccuracies information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: AES/PHEAA
State: PA
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:
On XX/XX/2018 XXXX XXXX  sent a check in the amount of {$55000.00} to pay off our son 's student loans. The check was made payable to XXXX XXXX in the said above amount and deposited on XX/XX/2018. We have a copy of the check that was sent showing it was deposited. We are getting collection notices, and they are adding interest to the amount. They ( XXXX  XXXX ) can not find where the money was applied to. 

We called and talked to a XXXX ( Call center rep ) # XXXX who did not have a clue. I asked to speak to a supervisor. I spoke with a supervisor named XXXX # XXXX who also could not find out with happened to our payment. 

Could someone please help us with this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I took a conventional interest-only 5-year ARM mortgage from Countrywide Financial which was later acquired by Bank of America on XX/XX/XXXX. Countrywide 's mortgage system has a serious system glitch. When I make principle payments more than once a month, their mortgage system consistently miscalculates interest as it ignores the principal payment. They promised to hold off interest accrual until they have fixed this system error. However, instead of resolving this error, Bank of America sold my mortgage to XXXX. Unfortunately, this issue has never been resolved. Nevertheless, we paid the full principle balance on XX/XX/XXXX. We just learned that the dispute with BofA significantly damaged our credit scores. 
Can you ask Bank of America to repair my credit score?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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: Account information incorrect

Complaint:
I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXX account XXXX-Innaccurate information XXXX  shows XX/XX/2020 date opened and Equifax shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh XXXX  and Equifax XXXX  has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus.

XXXX-Not my information XXXX/XXXX- reporting inaccurate information with all 3 bureaus.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Bread Financial Holdings, 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:
In XX/XX/2022, I received a letter from Comenity Capital Bank ( XXXX credit card ) informing me that they had charged off my XXXX account and sold it to XXXX XXXX XXXX ( XXXX ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from XXXX stating I had a XXXX XXXX balance on my XXXX account. 

I spoke with XXXX and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the Comenity Capital Bank credit bureau line item. When I called Comenity Capital Bank, they tell me that they no longer have the account and that I will have to resolve the credit bureau update with XXXX. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NATIONAL CREDIT ADJUST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious NATIONAL CREDIT ADJUST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XXXX*

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Called Capital One regarding payment made on XX/XX/19- utilization rate & Credit reporting. 

Told statement date is earlier if falls on Sunday. No payments processed on Sunday. 
Payment processes Monday XX/XX/XXXX and not reported until XX/XX/XXXX. 

Credit Reporting : Actually shows utilization for XX/XX/XXXX when cycle was closed in the XXXX at days end. 

Capital One XXXX said Capital One can not make any changes. As a Senior Account Rep for phone support she is the HIGHEST level- no one above her, no other departments to go to. Only can write Capital One dispute department to dispute mis reporting. 
Asked to file a complaint - did not write the complaint with all issues only vague details in the complaint. Then said she had submitted it and could not read it verbatim to me. 

Non Transparency of practices and procedures. Poor customer service and derogatory affects on credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I went to make a withdrawal from my account on XX/XX/2019 and found that I could not. I was under the impression that the ATM was not in working condition because this particular machine has issues periodically. The following day, XX/XX/2019, I attempted to make a purchase and my transaction was declined prompting me to call AMEX. The balance was not accurate and so I requested to hear the transactions. Upon listening, I find that there has been a purchase made that I do not recognize and request to speak to an agent to get more information about the charge. I speak with the agent, find out that the person used my information in a totally different state and am then put through to the fraud department where I file a dispute about the charge. I can't remember the exact length of time that I was told by the agent that it would take for the investigation, but a replacement card would be mailed out in 7-10 days. I was advised by the agent to go online in order to view a statement so that I could see more transactions. When I did that, I found two more purchases and called AMEX customer service again so that those charges could be disputed. I was again put through to their fraud department, but this time was told that the charge had not actually gone through yet ( funds had been removed from my balance and put on hold ) and I would have to wait until the charges went through in order to dispute the charges. I wait until the following week, either XX/XX/XXXX or XX/XX/XXXX and no card so I call in and am advised that they won't be sending a replacement until XX/XX/2019. I waited patiently thinking/hoping that my replacement would not take 29 days to be issued. On XX/XX/XXXX, I call in and speak to at least three different agents before I have to ask for a supervisor who informs me that the first agents that I spoke with on XX/XX/XXXX and their fraud department never followed up with my dispute. The billing department closed the case and never gave the information to the fraud department. By this time, the second fraudulent charge has now been processed and paid out. I was told that the dispute has now finally been filed and a replacement card will be mailed out. I don't have any faith that this will happen at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-20
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've contacted you all before. I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Police in my area have been notified, as well as, the FTC. These items still need removal : XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Chapter XXXX Bankruptcy. Also the following inquires : XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 explanation