BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXXXXXX XXXX XXXX I the consumer sent out a letter via USPS certified mail with tracking to EQUIFAX, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. EQUIFAX was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from EQUIFAX on XX/XX/XXXX XXXX The letter that consumer XXXX XXXX XXXX has was a letter stating that EQUIFAX updated the account ( s ) and verified items belong to " YOU ''. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that EQUIFAX Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts EQIFAX posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that EQUIFAX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for EQUIFAX to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. EQUIFAX failure to positively verify these correctly under the FCRA, unverified accounts must be removed/deleted and if EQUIFAX is unable to provide me a copy of verifiable proof, EQUIFAX must remove/delete the accounts XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare , LLC, who acquired my mortgage servicing rights a number of months ago, has refused to credit additional monthly payments to principal, in spite of my repeated calls and instructions in writing via email. I have even called them in advance of submitting the payments, and have been told " my account will be noted to ensure proper crediting of the additional amounts paid. '' When you review the attached payment history, you can easily see the problem, and the fact that they have again made an error in crediting additional funds from the XX/XX/XXXX payment to future payments, instead of to principal.

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 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Bank of America was served a garnishment order from a judge by a Sheriff 's deputy in XX/XX/XXXX. They failed to obey the order of Warrant in debt for a civil suit of {$5100.00} at that time and garnish their member XXXX XXXX XXXX accounts with them. Account number XXXX. Case number XXXX through the Commonwealth of Virginia in the XXXX XXXX XXXX XXXX. 
I was told by Bank of America they were not served until XX/XX/XXXX after XXXX XXXX XXXX death on XX/XX/XXXX. I have court documents to prove that is false because they were legally served in XX/XX/XXXX before his death and someone did not do their job at that time and follow through with the court order and now they are trying to cover it up with documents that are miss dated to XX/XX/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 2021-06-11
Company: EQUIFAX, 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:
I XXXX XXXX. I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting an address that i have never lived at. I disputed the address and it remains. I am not able to submit dispute any longer. Please see below the address is occupied by a Law Firm. this is Not a Residence. 

XXXX XXXX in XXXX, FL | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL https : XXXX Kel Attorneys XXXX XXXX, FL -- XXXX, Phone Number, Reviews, Photos and Video Profile for XXXX FL XXXX XXXX. XXXX XXXX appears in : XXXX Services. 

Requesting that the address be deleted as I Have Never Lived at this Address.

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 2022-04-06
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
We consolidated our Student Loans into a spousal consolidation many, many years ago. We have been faithfully paying on them ever since. We did not originally qualify for PSLF because we were not under an income-based repayment plan. Since that condition has been lifted, now we STILL do not qualify because our loans can not be refinanced into a Direct loan because of our spousal consolidation into a FFEL loan. My husband and I both would qualify individually -- he has been working for a non-profit for 23 years, and I have for almost 11. But, because of our consolidation before PSLF was even begun, we do not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started a dispute on XXXX XXXX, XXXX stating that several accounts were invalid and should be deleted from my file immediately. Within XXXX days XXXX completed there investigation and stated that some accounts were verified. so I then sent letters Asking them to send me documentation as proof of the verification that they stated they obtained from the creditor which should include copies of all original contracts bearing my signature. XXXX has never sent me this Proof. the FCRASection 609 states that they must conduct a 100 % verification Investigation during the dispute process which should include all original agreement documentation bearing My signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affidavit of Denial XXXX XXXX XXXX XXXX XXXX XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX XXXX XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XX/XX/2017 I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator 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 2022-04-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against timeshare XXXX. They had my GA license at that time. I've dealt with several of their employees namely XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, they introduced themselves as XXXX XXXX instead of a salesperson. They used visual film and graphs to convince us we're making a good financial investment as they also showed resale history goes up. The said it had some tax benefits similar to owning a second home. They offered gifts such as more points & vacation at XXXX location. We felt pressured to decide right away as they needed to get a " corporate '' approval to grant us the price being offered, and a manager went upstairs to talk ; telling us things like it's our last chance at the lowest price. We felt we're being rushed, they didn't inform us of the fees, they didn't even allow or gave us enough time to read through the contract. We never received an original copy of the contract as well, they provided us the first page only. Everything felt rushed because they didn't even allow us time to read through the contract. We didn't know how to cancel, they never properly educated us regarding cancellation, like how many days to cancel and such. It felt like we were profiled, XXXX - XXXX XXXX XXXX and XXXX- a veteran. We're elderly, it appears we were taken advantage of because of our age. Having this timeshare just gave us hardships than giving us a way to relieve our stress, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people our age. It only caused us financial difficulties, we declared bankruptcy again and lose apartment & car/van. We're both retired but we couldn't make payments on other existing bills. We were in the office for 5 hours going through stuff. They told us deposit would be waived but set up vacation club credit account and showed it as a promo purchase. Asked us to sign forms we couldn't read or get copies of; made us sign forms but they didn't even advise or inform us what they were but simply telling us it's part of the process. They took advantage of our old age to defraud us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent XXXX dollars to my wife in XXXX via XXXX XXXX. The store that made the transaction for XXXX XXXX is " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. the money transfer was made XXXX XXXX th XXXX. To this day the money is " missing '' and XXXX XXXX  representatives dont answer phone calls. Please help me, i need this money for medicin for my wife. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been trying to access my Capital One credit card online with no success. I phoned Capital One and, after about a half hour on hold, spoke with XXXX. He then transferred me to XXXX, after another time on hold. XXXX updated my phone number for Capital One to send a login code to, but am still not able to access my account online. I get the message " Let 's Get This Worked Out You may not see all your account features right now, but we're working on it. Try again in a bit, or give us a call at XXXX XXXX XXXX XXXX. '' So I called that phone number, and got a message that there is again a minimum of 30 minutes on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is disputing inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are different account numbers reporting, XXXX and XXXX. There also different last active and payment dates reporting for this account between each bureau as well as inconsistent late payments for this account. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments reporting for XXXX, XXXX and XX/XX/2021 be deleted from my reports now! 
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 2021-02-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
MY SON XXXX YEARS OLD AND IS XXXX AND HE HAS BEEN SAVING HIS GIFT CARDS TO PURCHASE A NEW VIDEO GAME SYSTEM.. 

THE GIFT CARDS IN TOTAL COME TO {$320.00} THEY WERE ALL FROM T.D. BANK MY SON WAS VERY VERY UPSET AND FEELS LIKE HE NEVER GOT GIFTS ON HIS BIRTHDAY, XXXX ETC. 

I CALLED T.D. BANK TO SEE HOW MUCH HE HAS AS A BALANCE ON THE CARDS AND WAS TOLD THEY HAVE BEEN CLOSED DO TO INACTIVITY ... 

HE FEELS HORRIBLE THAT THE BANK NEVER TOLD OR DID HE LOOK AT THE PRINTING SO SMALL YOU NEED A MICROSCOPE TO READ THEY CHARGE A " MAINTENANCE '' FEE STARTING AFTER 12 MONTHS OF ACTIVITY ( {$2.00} ) ... THEY SAID THAT IS THEIR POLICY ... I AM TRYING TO FATHOM THE THOUGHT OF A FINANCIAL INSTITUTION CHARGING A MONTHLY FEE FOR " MAINTENANCE '' WHEN ALL THE CARDS WERE PAID FOR IN CASH.. 

I HAVE BEEN OUT OF WORK SINCE XX/XX/2020 FROM COVID-19 AND I DON'T HAVE THE MONEY TO PAY FOR HIS VIDEO GAMING SYSTEM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Navient Solutions, LLC.
State: IL
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:
Navient, XXXX, XXXX, XXXX Bank, and XXXX XXXX has been reporting fraudulent activities on my credit report. I reached out to each XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I also reached out to each bureau those months as well. 
XXXX, XXXX XXXX XXXX XXXX XXXX have been reporting debt on my credit report thats isnt mines. I have sent the collections agencies letters and the bureaus letters. I have spoken with the collections agencies & bureaus. I have not received any results. Each credit bureau said over the phone that I dont own the debt but until the collection agencies send an electronic authorization number for it to be remove it will not fall off until XXXX. This fraudulent debt has been on my credit report since XXXX. Each bureau keep illegally updating these fraudulent accounts. Ive asked numerous of time for them to validate the debt. They wont prove its mines. XXXX XXXX or XXXX has not responded back. Navient, XXXX, XXXX, XXXX bank XXXX XXXX XXXX XXXX has not responded back either. XXXX responded but did not validate or verify any debt. They updated the report as if its mines and dropped my points by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received an email at XXXX on Tuesday XX/XX/XXXX stating my Bank of America Checking account had been overdrawn. 

Upon logging in to my checking account I noticed that there were not 1 but 5 overdraft fees for the amount of {$35.00} each. 

I was immediately connected to a customer service ( XXXX ) representative who instantly placed me on hold for about 20 minute returning only to say she could refund 1 fee. 

I asked to speak with her supervisor ( XXXX ). He explained that my account was set to notify me when my account was below {$25.00}. 

Without being notified my account Had {$820.00} and ended up with - {$500.00}. 

A NEGATIVE BALANCE IS UNDER {$25.00}. Bank of america disagrees. 

Upon being notified I immediately transferred {$1300.00} into my account to help resolve the situation. 

Being a BOA customer since 2004, they still said there was nothing I could do and this was my fault.

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 2017-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXXXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
n accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I wrote a letter to TransUnion LLC on XX/XX/2019 disputing incorrect reporting about XXXX XXXX account. TransUnion then requested Proof of Address. I returned 2 forms of document showing proof of Address my driver license and a utility bill. 
On XX/XX/2019 TransUnion mailed a letter Re : Proof of Address Unacceptable-Reason # 3 ( documents provided was not a qualifying document. I am requesting help to correct this matter because TransUnion is trying to discourage me from disputing my credit report entries due to their mistake by not accepting my proof of Address. 
I also sent XXXX the same letter onXX/XX/2019 about incorrect information about my account but XXXX never responded and over 30 days have passed.

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