BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear Credit Bureau / XXXX MGR ; I demand that you personally DELETE this account from XXXX CARD directly from my credit report effective immediately because, one Im not liable for this account as you can see on the attachments or the letter of paid off from XXXX, and its also reporting questionable balance, incomplete and misleading information. Early XX/XX/2020, I opened dispute against the original creditor, and all the major credit bureaus due to same inconsistencies, violations, misleading and incomplete information on this negative account I simply asked for it to be investigated and DELETED from my credit report, but I simple received a template responses either asking for additional information or that you guys verified as accurate. Its not accurately reporting, and it continues to have monthly payment on closed account, questionable balance, and different dates of last active, last reported, last payment, etc. Account status was never updated that I ever disputed why? 

Here are some highlight reasons why I need this account DELETED from my credit effective NOW. 

There shouldnt be any late payments after the account was closed! 
Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account! 
Status update date shows that this account wasnt even investigated, remove account. 
3 different open dates reported 3 different date of last activity dates reported Cant possibly have been verified because the status update date has not changed. 
Account has illegally been re-aged. Remove. 
Bought by a collection agency but still shows a balance. 
Bought by a collection agency but still shows a past due. 
Bought by a collection agency but still shows a monthly payment. 

SEEEEEE THE ATTACHEMENTS ON THE NEXT PAGES!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Since I opened the " BankAmeriCard '' account # XXXX XXXX XXXX XXXX in XX/XX/2017 I have not received a paper monthly credit card statement by MAIL as I initially requested when I opened the account. 
I have visited my local Post Office on 3-separate occasions and they have informed me that they DO NOT receive any return items from Bank of America. 
Every month I carefully monitor my account to be certain that charges are valid and there is no suspicious activity. There has been no suspicious activity. 
But each and every month since XX/XX/2017, I have NOT received a paper statement from Bank of America as was initially requested both online and by telphone to Bank of America representatives. 
As a customer/consumer, it is impossible to understand how such a minor request can not be provided and it is especially disheartening when each and every month I DO receive all advertisements offering me loans and checking accounts and other BOA products, yet I can not get a paper copy of my monthly credit card statement causing me to have to print it on line.

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 2023-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my Bank of America account was involved in fraud. {$16000.00} was taken from my account because my car was stolen with all my personal belongings. I filed a police report and on the report you see that it says what was stolen. The money was transferred through my stolen phone through XXXX. I contacted Bank of America and they told me I need a police report and I will get my money back and I did this but they denied my claim and I appealed it and I was still denied.

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 2022-02-16
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against CRDT CTRL CO because they are attempting to collect a debt that I do not owe them. That debt has been paid. Account Name : CRDT CTRL CO, Account Number : XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I received a letter from EOS CCA regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from XXXX XXXX XXXX to XXXX. I checked my credit report and EOC CCA is reporting this alleged debt as a collection. I contacted EOS CCA and requested documents verifying this alleged debt. EOC CCA sent me copy of the promissory note dated XXXX. I called EOS CCA and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the EOC CCA inaccurate credit reporting is now causing me monetary  damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account is not reporting accurately on each consumer report for each company. Furthermore this debt is not mine. Please help with this matter in a timely fashion please. I followed up with each company but have not heard anything back.

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 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX of XXXX. I had contact Capital One Financial Corporation bank as I had a XXXX IRA account with them. I discovered through my inquiry with captialone that they had closed my XXXX IRA account without properly informing they did close it. I was told to contact XXXX mutual financial companies to see about it. I contacted both XXXX and XXXX in which neither parties said my XXXX IRA was transferred over to them. I spoke with captialone and they said that with my account being closed they sent in information along with my IRA of {$6000.00} in the form of a check to my address. Which I had never received in addition as I had moved moved to a different address and I'd longer lived at my previous address and in addition of not receiving any notice of my IRA account closure. They were unable to assist me further nor attempt to offer a resolution for me. I had never experienced something liked this before nor was offer an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was apartment rent that was owed during the COVID-19 Cares Act Period. But several items above that. 

1. Unit was not placed on market per lease agreement ( EARLY TERMINATION OPTION. Unit took 16 days after notice was placed to market on site or in person. 

2. Cares ACt was in place.

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 2023-04-07
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
A request was sent to validate a debt that is being reported on my credit report by a creditor. Proof attached of mailing and receipt date XX/XX/23. Response was not made or validated within the 30 days alotted by FCRA. Asking to have this inaccurate account removed from my report ASAP. 2 Bureaus have failed to do so. XXXX has failed And XXXX XXXX has failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CITIBANK, N.A.
State: TX
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:
Citi checking account offer : open checking account and deposit XXXX dollars and will get XXXX   XXXX XXXX miles. 

I opened my citi checking account around XX/XX/XXXX, the XXXX dollars was funded around XX/XX/XXXX, but today is XX/XX/XXXX, almost 4 months, I haven't got the miles. I am trying to contact customer service several times, they don't want to solve my problem and just kick me around, and transfer me to the wrong department, I was trying to explain to them when I oppened my checking account, it didn't asked me to enter my XXXX XXXX account number, if the XXXX acount number is not in your system, how could you give the miles, each call cost me more than 1 hour but nothing was solved, they just asked me to keep wait for the next cycle.

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 2017-09-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX Navient took over my student loan account from XXXX. My payment plan was XXXX dollars, when moved to Navient they state it 's XXXX dollars per month. They stated that my last plan with the XXXX expired. I never received any notice to this expiration. When explaining to Navient that I see options on the federal student aid site for XXXX /mo for XXXX months they say that while they are aligned with the federal government some options are not available with Navient. This is very confusing, and I believe that they are mishandling my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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:
I have recently disputed with Equifax about some accounts on my credit report. I sent them a certified letter that was signed and recieved on XX/XX/2019. 
I then recieved the results to the investigation that is dated XX/XX/2019. 
But I never recieved an updated credit report from Equifax to further examine the changes. It has been a great problem to not get the information that I am allowed to have after the first dispute to follow up with my second dispute, although it is currently in progress without the cooperation of Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX violated federal law 18 USC 1001, 8 USC 1324c, 18 USC 1341 by submitting information to the XXXX XXXX XXXX in order to collect debt which was rightfully under XXXX jurisdiction to be allotted to the consumer for lost time. XXXX has contacted XXXX XXXX XXXX Treasury and they have contacted Continental Service Group, INC d/b/a Conserve. Validation of debt was requested on XX/XX/21 following pursuant to 15 USC 1692c, ( c ) ( 2 ). I was sent post dated information to appear as if it was in correlation with the current request pursuant to 15 USC 1692c, ( c ) ( 2 ). Continental Service Group, INC also violated 20 federal laws including 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692f ( 8 ) ,15 USC 1692f ( 1 ), & 15 USC 1692c ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TD BANK US HOLDING COMPANY
State: TX
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:
In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a XXXX XXXX XXXX. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX  Card ) as an authorized user. She called and did so. I used the card until XX/XX/XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit.

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Vivix Credit Solutions
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I went to XXXX XXXX over a year ago not sure of the dates to do debt consolidation. I did not use their services because I was able tor repair my credit on my own. They call me every week to try to get me to use their services. I asked them several times to take me off of their list but they continue to call me and leave voicemail messages. This is clogging up my voicemail as well as it 's annoying me because I asked them several times to stop calling me but they will not. The phone number is XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: ProCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from my XXXX XXXX XXXX saying that I am in debt collection. The following were the charges from XXXX XXXX : XXXX. XXXX Account # XXXX {$550.00} for address XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX account # XXXX {$840.00} for address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account # XXXX {$530.00} for address XXXX XXXX XXXX XXXX XXXX TX From XXXX XXXX XXXX XXXX XXXX account # XXXX {$340.00} for address XXXX XXXX XXXX XXXX TX 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 2018-04-18
Company: FORD MOTOR CREDIT CO.
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: Old information reappears or never goes away

Complaint:
I spoke to Ford on several occasions and was told that the data was going to be removed off my credit report because of staue of limitation.The information is affecting my government security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: NJ
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 have over 21 closed account that should have been 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 2019-10-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I got a charge about my XXXX bucks service fee because I did not meet their minimum balance XXXX. But I deposit back over XXXX next 2 days. I called Bank of America representative on XX/XX/XXXX.  He promised me can waive XXXX bucks monthly service fee this time because this is my first time. I was waiting for couple days, but I did not see any fee refund. So I called another day to see what's happen on it. But their manager XXXX changed their story. She is very rude with her bad attitude to me. She said her employee said wrong to me. Then she declined my request. I think bank of America should honor their promise what they said. They can not play a trick with customer.

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 2021-01-23
Company: Consumer Adjustment Company Incorporated
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
complaint id XXXX CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection company for the following! 
Orignally on my credit report XX/XX/2020, as XXXX  XXXX XXXX. 
Now on my report as : XXXX XXXX XXXX  {$960.00} same amount and account number! 
I have certified mailed, a identitytheft.gov report to all involved. Your investigation, they have said there isn't activity. Which is false. Still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Account information incorrect

Complaint:
Had a XXXX XXXX XXXX XXXX and it was a voluntary repo with XXXX XXXX and they are reporting the account incorrectly and it was sold via auction. Reached out to company I no longer owe balance and report correctly but they will not respond.

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 2023-02-15
Company: EQUIFAX, INC.
State: SC
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Failure to provide Method of Verification for the item listed below within the time set forth by law, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ) .... Midland Funding XXXX Date Assigned XX/XX/2016 Balance {$630.00}

Company response to consumer: Closed with explanation