BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The disputed company debt represents medical expenses. The specific debt was discharged in bankruptcy so it is considered SETTLED, thus according to the legal statute below, should be deleted from the credit file as it relates to being medical debt. Please delete from the credit file. 

With further respect to the Medical Debt Relief Act of XXXX, please recheck the application of health insurance is properly applied to the account and institute a 180-day waiting period before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.

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 2020-09-02
Company: WorldRemit Corp.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$220.00} to a recipient in XXXX on XX/XX/XXXX. They sent an email saying my recipient was going to receive the money within a few minutes. As I write this complaint, they have not been able to pay this amount on the pretext that their partner in XXXX has not resolved the problem. I have made at least 8 phone calls to follow up but this issue has continued pending. 

I requested them to cancel the transaction and refund me, but they have refused. 

I do not have any logical recourse as at now. Also, this was a time sensitive payment which has resulted in irreparable losses. I therefore seek your help in rectifying this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
The bill pay system struggles to align itself with a biweekly pay schedule. My paycheck comes every other Friday and sometimes I am forced to change the time to align with my bills payment schedule. I changed my mortgage payment of XXXX from XX/XX/18 to XX/XX/18 so my payment would be on time. My mortgage was paid on the XXXX of XXXX and now again today the XXXX of XXXX. The double payment was the banks error. I opened the scheduled bill in bill pay and edited the payment date. This should not have occurred. I don't have the funds and my account is now overdrawn.

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 2020-05-15
Company: AES/PHEAA
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: Account status incorrect

Complaint:
This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My XXXX  credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to AES/PHEEA, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX  XXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Every since my identity been stolen i been noticing activity that's been done inwhich I have no knowledge of. Some of which was even left in good standings but still and all either rightfully belongs to me therefore I'm demanding that the following accounts be removed and blocked from my credit files. 

1. Dept of ED/XXXX  {$11000.00} 2. Dept of ED/ XXXX  {$6800.00} 3. Dept of ED/XXXX  {$10000.00} 4. Dept of ED/ XXXX  {$5800.00} 5. Dept of ED/ XXXX  {$10000.00} 6. Dept of ED/ XXXX  {$4500.00} 7. 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 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
So far its been a month that my bank has been frozen. Someone got into my account and took out XXXX $ and I filed a claim with Bank of America fraud department. After that a couple of days passed and got a letter in the mail saying yes it was fraudulent activity and I was going to get that money back. Now my account is frozen and has been since I received that letter and received a new debit card from XXXX that I can not activate because my account is closed I need my money to pay bills and its being difficult with them because they just point the finger at each other each time. I have been calling every single day besides the weekend asking them when will I receive any information but all they tell me is to wait and I can not wait anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 on XX/XX/2022. This letter was sent in effort to remove personal information that shouldnt be on my credit report, nor did I authorize such. 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 any third party. 

These are clear violations of my federally protected consumer rights.

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 2018-12-04
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2018, I received a phone call from Iberiabank Corp. XXXX XXXX . Their agent suspicioned a credit card application was a fraud and called me before issuing anything. 

I have no written documents from them. 

The bank had a great deal of information about me including : correct name and address, Social Security Number, Credit Report and Date of Birth. Possibly more but that was enough to convince me I have a problem.

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 2020-05-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 I attempted for two hours to unfreeze my credit with XXXX and to see my credit score. 
After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score. 
Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : XXXX XXXX & Experion gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them! 
This is wrong, it is purposeful manipulation to sell you a product you do not need!

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 2020-07-21
Company: EQUIFAX, INC.
State: WY
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:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Call from naivent loan servicer at XXXX XXXX  from the following phone number of XXXX. It is against the law to call after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against XXXX Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my Transunion credit report, and perhaps XXXX/XXXX   and/or XXXX and/or other credit reporting agencies. In short, XXXX XXXX  has already done the right and legal thing by deleting these age-old accounts, and XXXX and XXXX XXXX need to do so as well and immediately ... as does Transunion and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now XXXX, XXXX, and, most important, Transunion, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with XXXX or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau , Case # XXXX our telecommunication number for our hearing-impaired customers is 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 2020-07-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I also received a XXXX PPP loan from the government to aid in my XXXX XXXX. Before that, I had paid XXXX to put as a down payment for my son 's mortgage and then Sun Trust Bank cancelled and closed my account and froze my account statements. 

The bank closed my account and froze my assets and will not tell me why and basically all my payments are behind because of it.

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 2019-02-21
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:
Equifax continues to report wrong information on my credit report. I have called, done online disputes, chats, sent them notices in writing. The other 2 XXXX and XXXX have corrected the issues but equifax refuses to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 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 more over 60 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 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 explanation