BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On Friday XX/XX/XXXX I was notified by my credit card company that they were closing my account ending in XXXX, with a credit line of {$11000.00} and were dropping my credit line on XXXX from {$30000.00} to {$22000.00}, which was just over my balance of {$21000.00}. As Bank of america are my sole credit cards, this drastically lowered my lines of credit and dropped my utilization score from 53 % utilized to 96 % percent utilized. This will directly impact my credit scores. The account that they closed with a XXXX  balance I have held since the year XX/XX/XXXX. This will also drastically affect my credit score. I did make two late payments on the account recently, with me being unaware that XX/XX/XXXX was late. It was due on the XX/XX/XXXX, which was a weekend and my bill pay did not post it until the XX/XX/XXXX. Bank of America, only allows payment thru there website if you have a bank of america checking account. Thus I have had to use my local banks bill pay which may not be the quickest, but i believe in helping the local economy. XX/XX/XXXX bill was not paid due to oversight but i have since paid it. I dont feel a weekend posting delay and one genuine oversight leads me to have accounts held since XX/XX/XXXX to be such drastcally affect. There has not been a change in my credit recently, in fact i have been paying down balances. In addition I get false information from BOA agents who told me the account is closed, but as of now XX/XX/XXXX i logged into the account ending in XXXX and it appears open? I do not feel this is fair treatment of a customer who has been a loyal customer, with no other credit card banking relationships. I have made them the card of choice due to my longevity with them, in order to not affect my credit scores. This treatment is unfair. If I am such a delinquent, why not have an email or phone call any of my numbers stating I missed a payment. No such calls were made. I truly feel that BOA has drastically affected my credit profile by closing my longest held account unfairly and deceptively, via email on a Friday when I can not contact anyone in that line of business until the next week.

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 2018-04-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Upon attending XXXX XXXX I was promised job placement, lucrative salaries and the ability to provide for my family. None of these things happened. I went for a certificate program that lasted 15 months. When I completed the program in XX/XX/XXXX I was able to test for my XXXX. I was told I should have no problem finding out job. That is where the lies with XXXX XXXX and Navient/ Sallie Mae began. My signature loan started out at {$6000.00}. The calls started coming in XX/XX/XXXX. I still didn't have a job after numerous applications put in. I was told I was eligible for a hardship forbearance. The loan capitalization and the repercussions was not explained. I had both federal and private loans. I was not offered a IDR. Nothing was explained. I finally got a job in XX/XX/XXXX. I have tried desperately to make and maintain my payments. In XX/XX/XXXX I was laid off. The beginning of XX/XX/XXXX I started back to school for my XXXX so I could be a registered XXXX. My school filed for a in school deferment. During that time all the interest capitalized again as I later found out. I thought the interest stopped until I was done with school. I graduated in XX/XX/XXXX. In XX/XX/XXXX I was involved in that car accident. I have not worked since. I filed with Navient because at one point my signature loan balance reached over {$13000.00}. I have tried to get them to reduce the balance since more than half is interest and fees. I have been unable to work since my car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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: Information is missing that should be on the report

Complaint:
I have a Auto Loan with XXXX XXXX XXXX ( Balance {$31000.00} original Loan {$36000.00} ) It was removed from my credit report and I wish to have the auto loan reporting again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Cash Link USA, LLC
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A lawsuit was filed against me for debt with a pay day loan company. The law firm and the creditor never sent me anything by mail about this debt so I was not able to verify the debt. The law firms website is https : //XX/XX/XXXX/. Neither the company nor the law firm contacted me through mail or telephone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: LEXISNEXIS
State: IA
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:
My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : If a Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the credit file. The Bankruptcy XXXX has mailed me letter which states the DO NOT provide any information to Credit reporting agencies, nor do they ever validate and/confirm public records. It is the credit reporting agencies, and/or third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S District court system due to the Fair Credit Reporting Agency PRIVACY LAW. My request to the U.S. District Courts Confirmed lexis nexis has never validated or verified these public records entries on my credit report, neither will they ever by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act Violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANETLY DELETED from my Credit report Immediately. lexis nexis needs to provide me with copies of all documentation associated with these public records bearing a court order to place this information in my credit report with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all information listed under Public Records needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and /or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have Exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, any paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim if you fail to respond within 30 days of receipt of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called Asset Acceptance contacted me about a very old ( 15+ years ) credit card debt from my XXXX  XXXX Credit Card . In 2005, XXXX took XXXX out of my checking account and I was under that impression that this money settled the debt. I just recently got rid of all of the old paperwork that I had concerning this debt. I am not sure what to do at this point and would like for this to be resolved and for this company to leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Letters sent in regards to inaccurate information with XXXX, XXXX, Transunion. Letter sent XX/XX/XXXX & XX/XX/XXXX. 

Also updated address and ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy XXXX XXXX Late Date XX/XX/21

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 2020-05-27
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: Information belongs to someone else

Complaint:
I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Early Warning Services, LLC
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used Zelles money transfer service in XXXX XXXX XXXX online to transfer {$3000.00} to my mom on XX/XX/2020. The transfer service requires that you use a phone number or email to send to the recipient : in this case, I used my moms cell phone number. My mom registered her Zelle account a few hours later the same day of transfer using her cell phone number. The transaction was marked completed ; however, the money was never deposited into my moms account. I contacted the Zelle Recall Team at XXXX XXXX XXXX to file a claim. They said it would take up to 40 days to investigate. After 40 days. Zelle said that the money was deposited to the recipients account, which it did not. I reached out to the Zelle team again this time with my mom on a 3-way call to verify that she did not receive the funds. Zelle said that the money was deposited to an account that had the same phone number as my mom before my mom registered her phone number with Zelle on the day of transfer. My mom has had the same cell phone number for over 15 years. Zelle said they could not recall my money unless the recipient authorizes them to do so during their claim investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
as previously notified, I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: NY
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:
All XXXX accounts should reflect Discharged/Paid In Full as per FTC Federal Truth In Lending Disclosures and Billing/Credit Reporting Act. And, there should be No Deragotory Information based upon conditions of Discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted Experian, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, Experian or XXXX  have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX  used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 fair credit reporting act XXXX Account # XXXX has violated my rights.15 u.s.c. 1681 section 602 A states i have right to privacy.15u.s.c 1681section 602A it also states a cosumer reporting agency can not furnish account without my written instructions. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX Equifax and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor Equifax, XXXX or XXXX have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not e-oscar used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Crown Asset Management, LLC, Duluth, GA Branch
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: Account status incorrect

Complaint:
I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in XXXX days, that was XXXX months ago. I called in today XXXX to XXXX times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not crown asset manager. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and crown asset management received the settlement letter within the XXXX days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to debtsy, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to debtsy. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Went into branch and asked for payoff on X/XX/17 received payoff of XXXX. Paid off account at that time in person at branch. Branch had me sign a piece of paper with intention to close and payoff and sign- they faxed them to corporate headquarters. Checked status of account a week later and a balance was still showing. Called customer service and they basically said that 's the balance. They stated we never received letter of intent to close. I went into branch again and business banker stated the remaining balance was the banks fault and said he would waive it and ensure account was closed and paid off. Still nothing. Have called customer service 4 more times they say it 's not closed nothing they will do. Been back in branch and they say oh a few more days. Nothing. I want this account closed - I paid it off, I sent letter -- they are keeping it open. Giving me run around. Not good customer service. Bad policy. I have done everything correctly- got payoff, paid amount, sent letter .... they are giving me the run around, not helping.

Company response to consumer: Closed with monetary relief