BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: TRUIST FINANCIAL CORPORATION
State: IA
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:
To whom it may concern I have been contacted Regional Acceptance Corporation many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXX XXXXXXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal 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 2022-07-19
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received a mail notification from Discover explaining that an attempt to open a bank account in my name occured on XX/XX/XXXX. As a result, the fraudulent applicant could not verify required information, and the application was denied with an ongoing investigation. There has been several attempts within the past three to six months successfully applying for credit cards, hacking my credit websites, redirecting current credit cards, email, and voicemail. As a result, I have put in place a security freeze on XXXX XXXX and all three credit bureaus along with two-step verification processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: Penn Credit Corporation
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I moved out of my apartment which carried an outstanding balance of {$270.00} from XXXX XXXX, my electricity provider. I was not aware of this balance until XX/XX/XXXX. I paid in full on XX/XX/XXXX ( proof attached ). However, XXXX still sent my account into collections with Penn Credit Corp on XX/XX/XXXX several months after satisfying my debt. Penn Credit Corp reported my erroneous delinquency to all three credit bureaus which caused my credit score to drop 72 POINTS. I called Penn Credit Corp on XX/XX/XXXX to resolve the matter and a representative by the name of XXXX informed me that XXXX XXXX did not alert them that I had cleared my debt. I conferenced XXXX on a call with XXXX XXXX as proof and was told that there was nothing that could be done. XXXX XXXX is at fault. They sent me to collections after I paid my bill, they didn't alert Penn Credit that I was up to date and now my credit score has suffered tremendously and unfairly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
On XXXX I sent out dispute letters for XXXX account to be investigated. It is a closed account on my report still showing a past due balance which is inaccurate reporting. They auto verified my dispute without giving me the proper documents that I requested in the dispute to prove that this account was indeed correctly stated as mine. I would like this to be reinvestigated as soon as possible. This account needs to be removed.

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 2022-07-19
Company: Absolute Resolutions Corp.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This debt is over 7 years old. They sued and got a judgement. Which I filed a motion to set aside judgement. I have tried to settle the account but they refuse to remove from my report after we settle it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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: Account information incorrect

Complaint:
I had thought this situation was resolved. I was on my XXXX XXXX and see XXXX/XXXX XXXX says I have a balance of {$440.00} with a XXXX limit. This account was paid for and closed to my understanding so I do not know if there was fraud involved or what the situation is. To my knowledge I do not owe them anything. They are saying that I had months of late fee 's however I had paid this off and closed the account so how can I have late fees after the account Is closed? 

I am hoping this situation can be resolved so that my credit can appear accurate. 

If I do owe anything it would be very minimal but I don't believe I owe them anything for the reasons stated above. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My accounts ending in XXXX and XXXX were closed abruptly without warning because I had a business account that was the issue I had deposited checks from clients and the checks werent any good. Needless to say my personal account have forever been in good standing for the tenure of the account. I need my money right away from my personal accounts. I was told by a XXXX in the Risk dept I could request a hardship and that would take 5 days to be considered to get my own money. I need my money now today. I dont owe the bank anything.

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 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, early morning, I activated my EDD card of my account in Bank of America sothat I would go to the bank and withdraw my money that day. By XXXX I was in the bank and when I tried to with draw the money, the teller told me that someone had already with drew {$5000.00} from my account that very morning in XXXX transactions ; XXXX {$4500.00} and later {$500.00}, and my card had also been blocked. Immediately, i called bank of America to ask them about who had withdrawn my money and what I needed to do next. 
They told me that a claim has been put in for my stolen money and that I should give them XXXXdays to work on it. At that time my account was only remaining with {$2900.00}, so I asked them whether I should with draw that balance that very day and they told me that I should wait to receive a new card because the one I had, had been blocked. In XXXXweeks, I called the bank again to know about my claim, the person I talked to said she couldn't tell me anything about my claim unless I go and call them again when am inside the bank. When I asked her why i had to call from the bank, she told me that because the bank has to request XXXX IDs from me to be sure am the real owner of the account I was calling about. The next day I went to the bank with my XXXX IDs and called again. They just told me to wait until XXXX days. Surprisingly, on XX/XX/2023 they sent me a letter, stating that their research confirmed it was me who authorized the withdraw of the {$5000.00} from my account and for that reason, they denied my claim. Its on that note that I write my claim here, seeking for justice of my {$5000.00} that was stolen from my account in 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 monetary relief
Consumer complaint received 2021-07-05
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2016-07-08
Company: Mobiloans, LLC
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Charged an illegal interest rate of over 100 %. In 2016 alone, I 've been charged over {$1100.00} on an original loan amount of {$1200.00}. These interest rates were n't fully disclosed until the loan was finalized.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-16
Company: RFNA, LP
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to the  US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
There are fraudulent charges on my Amex business Platinum card. The due date is approaching but I have financial hardship to pay off the purchases or charges that were not made by me. I have been a good customer with Amex since 2013. No late payment and always pay off the balance on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date _______________________________________TRANSUNION XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXTRANSUNION COLLECTION BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX I opened a TD Convenience Checking account. The offer said exactly. All you need to do is open a new TD Bank Convenience Checking and set up direct deposit totaling {$500.00} or more monthly into your account within 60 days upon account opening. Once the offer criteria are met, the {$200.00} bonus will be credited into the new personal checking account no later than 95 days from account opening. I complied exactly and XXXX XXXX at TD bank in XXXX XXXX agree all details were met. Balance was maintained, direct deposit was made in time, etc. He also tells me I qualify but I need to wait 188 days. My offer said 95 days. I printed out the offer page. Sent several emails through my account only for them to respond with another offer, had no idea what I was trying to say. Called the customer service number several times no help said they would send it up, no reply. Stopped in TD Bank in XXXX XXXX NJ XX/XX/XXXX and did a follow up call a day later he just says 188 have to wait possibly. Again, the offer said 95 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan type is FFELP and my repayment date started in XXXX with originally with sallie mae but i file for forbearance cause i was unemployed until XXXX, from XXXX i started making payments on my loans to this date and I've never missed any payments. In XXXX i made a payment to navient to pay off the interest on my XXXX consolidation loan online after i made the payment they took a XXXX dollars from XXXX consolidation loan i brought a balance back on the interest of my loan, which at the time i thought it was normal until i call them and ask them if i is possible to payoff the interest on my loan, so i kept a track on my balance since XXXX to present day on my account of my loan balance and payment and i realize everyday {$4.00} and change goes on my account everyday which is {$120.00} + a month which has been going on my account since I've been repaying student loans, ( my balance on my loan on XX/XX/XXXX was {$23000.00} XXXX ) ( my balance on my loan on XX/XX/XXXX was {$23000.00} XXXX ) ( my balance on my loan on XX/XX/XXXX was {$23000.00} XXXX ). Every year I pay around {$3000.00} + towards my loan and starting from XXXX to XXXX my balance was over {$33000.00} and today just over {$23000.00}. They have projected my loan to be paid off XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I sent in a dispute for an account that I believe is inaccurate. XXXX XXXX # XXXX. after pulling my 3 bureau side by side credit report I can clearly see inaccuracies 1. date of last activity is accurate 2. date reported is incorrect 3. opened is incorrect 4. account description is incorrect 5.payment status is incorrect 6. last payment is incorrect 7. INCORRECT ADDRESS according to the fcra information as to be 100 % accurate.. why are u reporting different information than XXXX IF YOU'RE BOTH GETTING YOUR INFORMATION FROM THE SAME CREDITOR WHY IS IF DIFFERENT..IVE INCLUDED DOCUMENTS FROM THE ORIGINAL CREDITOR. CORRECT ADDRESS. CORRECT DATES

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone stole my personal information and open fraudulent accounts, which also led to me acquiring un-authorized credit inquiries on my consumer reports. 

To make things worse, TransUnion and XXXX duplicated some of the fraudulent accounts and reported some more than ones ( under different names, account numbers and varying balances ). In other words, instead of having one negative account reporting I would have two or in another instance three of the same account... all reporting negatively! It has been over 3 months of trying to resolve this identity theft/error reporting with TransUnion and XXXX, but all to no avail. 

I have even sent them letters from collection agencies stating that they have " terminated all collection actions on those fraudulent accounts after their investigations, '' yet, TransUnion and XXXX refuses to remove them off my consumer report. 

Additionally, a debt collector by name XXXX XXXX XXXX ( XXXX  ) who is furnishing one of the fraudulent accounts refuses to honor/accept my FTC fraud affidavit report and has insisted on demanding that I provide them with a " police report '', which according them is " the only way they will investigate and/or remove it off my credit report ... because FTC report doesn't mean anything to them ... anybody can make a claim using FTC and they respect nor accept it ... we refuse to accept it until you provide us with a police report ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
In accordance to the fair credit act Navy Federal CU # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX has violated my rights.15 U.S.C 1681 Section 2 ( A ) States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) A person shall not furnish information relating to a consumer reporting agency if- ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact inaccurate. 
The information provided to the persons was enough reasonable cause to have knowledge that the information was in fact inaccurate.The judgment from the courts shows I was XXXX  from XXXX to XXXX of XXXX  when I received 7 years of XXXX and released so there is no way I opened these accounts nor gave anyone permission to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation