BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a charge card with Bank of Ameria and I have tried to dispute monthly charges of {$24.00} since XX/XX/2021. Due to the fact that I have had health issues to deal with since XXXX, it is recently that I realized I have been billed monthly. I have called the company to dispute the charges and they did look into my claim and came back with I had to pay the bill. This past month I have been talking with customer service and I am not getting anywhere. They say it is a company XXXX XXXX. I looked into the company on line and it is a Fraud Co. I talked with a lady at Bank of America charge company and said she would look into it. I told them it was a fraud company and she said they would have to turn the matter over to the Fraud Dept. and she would send me another card. I haven't received the card and they probably haven't canceled my card. I don't plan to use this charge card company in the future. I had not heard from them and I called again this morning and after long delays, I talked to one man and he didn't get back to me ; another man came on and said the company was XXXX and he would look into it. I went on line and that company has a bad reputation. I have not received any products or services this company. I wish to dispute the claims on my charge card bill. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: GA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: MS
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:
XXXX/XXXX is reporting five student loans on my XXXX and Equifax as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with XXXX and Equifax, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

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 2017-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX/XXXX is reporting five student loans on my Transunion and XXXX as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with Transunion and XXXX, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX on XX/XX/2021 on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from XXXX. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. 

disputed accounts XXXX  XXXX XXXX  Opened XXXX {$560.00} XXXX XXXX XXXX Opened XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Mercantile Adjustment Bureau , LLC on XX/XX/2019 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector, Mercantile Adjustment Bureau , LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Mercantile Adjustment Bureau , LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Mercantile Adjustment Bureau , LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Mercantile Adjustment Bureau , LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I borrowed private student loans with  XXXX   XXXX   (  now Navien t )  for  XXXX   XXXX   XXXX , the amount owed is {$11000.00} as of today. I filed bankruptcy in  XXXX ,  XXXX  and had been told this payment  may  have been paid off. Navient said they had no record of that?  <P/> I have recently been   XXXX   since  XXXX   XXXX . My  XXXX  ran out in  XXXX   XXXX , I called them requesting deferment and was denied and told that unless I am enrolled in school, my regular deferment ran out and they can not help me. This is n't the first time I 've had that conversation with them. The only other deferments I had were close to 10 years ago, and I had to pay an amount of money for the  2/3  times to even have my payments be in deferment!   I am on food stamps  (  since  XXXX   XXXX  ) and can not afford to make these payments to them currently because of my cost of living. Yet, they will not waive my fees in anyway.  <P/> Help?  <P/> thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: AL
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:
When i purchase credit monitoring services, I never can get my equifax credit score. That section will just be blank. 

I double checked to make sure the name they have in system matches up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2017-07-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I got a  XXXX  vehicle from Santander Consumer back in  XXXX  the company I was working for went out business I spoke with several representative verbally they informed Me since I was laid off & volunteer returning the vehicle it 's okay this would n't effect Me that 's Not true I pulled My credit & it 's on there I have contact them & representative said it should n't be on there it 's mistake I was transferred to several different people 's & was given different details & the run around saying just make payment arrangements I said I refused to make any payments after I was verbally told Everything would be okay once y'all got the vehicle & then they did a charge off Santander  is  n't a good company after verbal agreement with Me I 'm not paying for a vehicle they have & knew My situation I was n't treated  far  & I 'm disputing this to be removed from My credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Lexington Consumer Advocacy, LLC
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: Old information reappears or never goes away

Complaint:
I Still Have Old Credit When I Haven't Even Been Til A XXXX XXXX XXXX Before

Company response to consumer: Untimely response
Consumer complaint received 2022-02-14
Company: MECHANICS BANK
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My aunt passed away in XXXX of XXXX and left me as the the executor to her estate. Being unfamiliar with the process of obtaining her possessions, I hired a probate attorney to handle the estate and am still waiting for the orders to be signed by the judge. 

On XX/XX/XXXX, I received my first phone call from XXXX XXXX, an employee of Mechanics Bank. He was trying to obtain information regarding the auto loan balance on my aunt 's vehicle. He called both me and my brother multiple times in the following two weeks. Our lawyer advised us not to communicate with him as everything was still in the probate process, however, my wife decided to call him back on Wednesday, XX/XX/XXXX to access the situation. 

XXXX asked her what our intentions were with the car. My wife communicated that we would like to pay off the balance and keep the car. He said that she needed to send him the death certificate and will, stating me as the executor to her estate, and then he would be able to disclose how much is owed and we could pay off the balance. My wife immediately sent an email with requested documents and we waited to hear back. 

Two days later, the car was repossessed in XXXX, IL, either late Thursday, XX/XX/XXXX or early Friday, XX/XX/XXXX. Upon discovery of missing vehicle, we contacted XXXX XXXX who informed us that, yes, the car was repossessed. Both me and my wife spent the entire day on Friday, XX/XX/XXXX, communicating with different employees, managers, and supervisors of Mechanics Bank. We received multiple different explanations as to why this happened and heard a lot of " our hands are tied ''. They would not disclose where the car was, or how we could obtain our possessions from the vehicle, or how we could pay off the balance and get the car back in our possession. They lied and screened our calls and bounced us from one person to the next, up until the office closed and it was the weekend. This continued on Monday morning, XX/XX/XXXX, with the same result - nothing. 

We have requested a release to be sent to the company where the car is being stored so we can at least go and obtain personal belongings from the car. The company will not comply. We have requested to pay off the balance and get the car back. The company will not comply. They have both the death certificate and the will, yet will not allow me to move forward. We are worried that they will sell the car or have already sold the car. We need answers and honesty and we are getting neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: TX
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:
Equifax is the worst! I have been trying to obtain my credit report for months. I have called and spend countless hours trying to fix this. Most of the time when I call, the system is updating and this is DAILY! They have my report and no one can access it. I am trying to refinance my house but my Equifax report is nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Innacurate employer keeps reappearing on my credit 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 explanation
Consumer complaint received 2017-07-12
Company: iFreedom Direct Corporation
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern :   XX/XX/XXXX     I went to  Veterans First  to refinance my home. I dealt with  XXXX   XXXX . I was told by  XXXX  many times that when the loan closed he would take the escrow out of the loan (  XXXX  loan account number ) it was financed thru  XXXX . The payment with the escrow was {$730.00} and without escrow {$540.00}, I told  XXXX  that I could not afford the {$730.00} payment many many times and he said ( again ) not to worry he would take care of it. So the night of   XX/XX/XXXX   he called and said he could not remove the escrow, so I said you lied to me He said that he didnt know that they would not do it. Needless to say I was mad and in a financial bind. To make a long story short I am now I the process of re financing again. I think that you should know that this person is lying to the vets, and doesnt know his job. I will be in touch with the Attorney General and Better business bureau.   His information is :  XXXX   XXXX  Loan  Officer  NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  UT  XXXX   XXXX  XXXX  XXXX  Thank-you for your time,  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As this debt collector is not entitled to collect on a debt in the state of Florida.

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 2022-02-14
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: Investigation took more than 30 days

Complaint:
I filed a dispute with transunion on XX/XX/XXXX on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from transunion. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. The transunion report is not accurate as its missing name. 

disputed account XXXX Original creditor : XXXX XXXX  XXXX  {$240.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number 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