BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my 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 2021-02-03
Company: The Law Offices of Jennifer McCoy, PC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had to make an emergency move back to XXXX  and as I was turning in my keys the manager assured me they would be in contact with any balance that I owed after I left. They never called, emailed, nor sent anything in the mail to the forwarding address that I gave them. I attempted to contact the original creditor ( Hickory Point Apartments in XXXX, TN ) multiple times through phone calls and emails (XX/XX/XXXX ) with NO response. In XX/XX/XXXX, I learned of this collection on my credit report without my knowledge nor attempt to collect. Despite my attempts to work something out with the original creditor, they placed this account with an attorney ( Jennifer McCoy ) for collection inXX/XX/XXXX ( even while I was trying to contact someone but they were ignoring me XXXX! They never attempted to work something out in any way! Just sent it straight to collections! I sent three certified letters XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX requesting validation of this debt. I received no response for the XXXX and XXXX letters. I did receive an attempt to collect letter in XX/XX/XXXX, which was NOT a response to my XXXX letter and did NOT validate. The XXXX letter I received was a FAILED attempt to validate. It did NOT provide ALL that I requested NOR clear evidence bearing my personal signature accepting ownership of the debt and the exact amount alleging owed. I've now sent a fourth letter ( XX/XX/XXXX ) requesting deletion for failure to validate and have yet to receive a response or deletion on my credit report from this final letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2019-09-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a claim for an unauthorized charge in XX/XX/2019. The company never followed up concerning the investigation. I paid the entire balance of the card off with the exception of the disputed charge of {$210.00}. I have received notices from syncrony bank stating that I am not liable for the charge during the period of the investigation yet I continue to receive monthly statements that I am paying. When I brought this issue to the banks attention they told me to ignore the monthly statements. The bank can not continue to charge me for this disputed amount and I can not ignore a statement, it will ruin my credit.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After looking over my credit report I notice an inquiry from XXXX XXXX XXXX XXXX on XXXX that I didn't authorize. I would like this incorrect information to be removed off my credit report please. 

Again, the XXXX was from XXXX XXXX XX/XX/2022 that i didn't authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: OK
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:
I was approved for the XXXX XXXX credit card on XX/XX/XXXX. During that time period the largely advertised intro offer with this case was XXXX rapid rewards points. It was XXXX after XXXX spend. Then additional XXXX points after XXXX spend. Being such a great offer I applied for the card. I noticed shortly after on my chase account that it said my offer was XXXX points after {$500.00} spend. I believed this to be a glitch that would be corrected after awhile. Being now XX/XX/XXXX and never being corrected I contacted chase. They told me they were running 2 offers at the same time. ( One being much less valuable ) and that I must have used the channel for that offer instead. They refused to give me any additional compensation including matching the current offer or XXXX points. I believe this is a clear example of bait and switch. They advertise in big bold letters everywhere XXXX points. Then somehow sneak the XXXX Link in front of you. I am not the only one whos been impacted by this after checking XXXX, XXXX, and the southwest customer questions area, they have done this to numerous people. Then refuse to do anything about it. I canceled both my credit cards with chase and closed my checking account. I will also probably stop using Southwest Airlines which sucks for them because its not their fault Chase uses deceptive and immoral tactics. But unfortunately Ill probably get a new airline card so itll keep me from using them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Business & Professional Collection Service Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collection agency is attempting to collect a utility bill that was discharged in bankruptcy ( District of  Nevada # XXXX ). I have disputed this numerous times on credit report & the company still reports it as a collection.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

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 2023-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Balance {$27000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$8600.00}.

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 2019-11-15
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I have two credit cards with Bank of America. Both of these credit cards had no annual fee. Neither card had an annual fee until Bank America had to pay a dividend to XXXX XXXX. I now have to pay {$60.00} a year for both of these credit card. {$120.00} a year for no extra benefits. 

Every time I go to a Bank America I am told by the people that work at bac that Bank of America credit cards have no annual fee. I feel like a fool when I have to pay {$120.00} a year for annual fees. The people at Bank of America do not even believe that I have to pay an annual fee. 

I have spoken to many people in Bank of America, I even spoke to a vice president of bank of America. I think the vice presidents name was XXXX. 

I am way over being a fool to go to a Bank of America. The people at Bank of America tell me to apply for a new card. I hope you understand that I have my credit established with the credit cards I already have. 

Please help me. I want the annual fees suspended and I wand the fees I paid back. 

Bank America did give me the fees for my checking account back they just will not budge on the credit cards. 

Bank America Credit Cards : Visa ending in XXXX Visa ending in 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 2019-09-25
Company: Experian Information Solutions Inc.
State: OH
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:
Experian continues to allow a fraudulent accounts to report on my credit report damaging my credit worthiness to and ability to obtain any future credit from lenders. Ive obtained legal counsel to begin the process to file a legal suit against Experian. Sent Experian copies of a contract with my signature forged. Ive sent Experian ftc and police report. Ive sent sent Experian identity theft claim Ive set Experian deleteion from other credit bureaus. 
Experian is refusing to block and knowingly allowing companies to falsley report. Ive attached again copies of everything I sent to Experian to get this matter delete expeditiously!

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 2023-08-30
Company: BTH Management
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Finance Protection Bureau XXXX XXXX XXXX State Of Michigan Attorney General Consumer Protection XXXX XXXX XXXX XXXX, MI XXXX Plaza Services , LLC has XXXX Mail fraud, Identity Theft, Right to Privacy Violation, and actively engaged in Willful inaccurate and false information to my credit report by placing deceptive information and creating a deficit into my credit CAUSING ME TO LOSE THOUSANDS IN CREDIT LINES ; by purchasing without transparency old discharged debt that has been paid for and proven on my 1099 B. 
Also, Plaza Services , LLC Inc has committed extortion on the phone with me to get this paid for debt paid for again with them. When I sent Cease and Desist letters they in turn placed the lies and deficiencies on my credit report as a means of intimidation. 
They have violated Metro 2 Compliance, FCRA Guidelines, and choose to use the US Postal Service and the credit bureaus TO BREAK THE LAW and to gain financial means fraudulently. Intimidating me and causing stress, anxiety, and physical symptoms of my XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to extort money from me. 
The account needs to be deleted from all three agencies now. 

XXXX XXXX XXXX, XXXX. 
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ENC : XXXX proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage on my Primary Home, being serviced by Selene Finance. I submitted my Loan Modification papers several times before to different Servicers. I had submitted my Loan Mod Package to Selene Finance on XXXX XXXX. There was a Foreclosure Sale Date on XXXX XX/XX/XXXX and they did not want to change it because the package was not submitted 37 Days before the Sale Date. The Sale was averted, thanks to your intervention and a new Sale Date was fixed for XXXX XXXX as per Selene Finance 's Letter but later changed to XXXX XXXX. 

My 3rd Party is in constant touch with Selene Finance on a daily basis and submitted what all docs., they have been asking, right away, before XXXX. In fact they were told that the concerned Officer was on vacation during the year end and he will revert to the file, as soon as he returns.Till yesterday, they were being told that the File is under review, they require no more docs. and in fact they were asked not to follow up on a daily basis. 

But today, I received the attached letter dated XXXX XXXX XXXX, to my surprise saying that they did not receive the whole package 37 days before the Sale Date and hence Loan Mod is denied. 

How can there be 37 Days, when they just postponed the Auction by only 27 Days? If you count from the day the Package was originally submitted on XXXX XXXX, there might not have been 37 days up to XX/XX/XXXX but considering XXXX XX/XX/XXXX, the package was submitted 2 months ' in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 XXXXXXXX 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 2023-08-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
My student loans shouldve been discharged in bankruptcy through Navient years ago. I have been paying every since. I am still paying for a loan that was taken out in XXXX. A new court ruling has stated that anyone who had private Naveitn student loans and filed bankruptcy shouldve had their loans discharged but they illegal made us continue to pay and they should be discharged. I tried to obtain a lawyer and they refused to write them off. Now I am dealing with a debt solutions company because the payments were so high I couldnt afford to pay my other bills. I have two loans with Navient. At the begining of XX/XX/XXXX its stated that these loans will in the near future will be fully discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: LEXISNEXIS
State: NC
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:
This Bankruptcy accountis being reported on my credit report as if they arethe furnisher, then this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account need to be removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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