BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 XXXX XXXX XXXX XXXX put a negative action on my credit report when it wasnt.

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 2018-11-19
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX, attorney for the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.disregards federal bankruptcy law and  states that a consumers wife 's medical debt due to XXXX is questionable or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls me up to 10 times a day. I have missed one payment and they harass me constantly and leave me voicemails and call me over and over again within 15 minutes of each call morning and night and they leave numerous voicemails despite me telling them I am a student and have no job at the moment and will pay the bill as soon as I can. They wake me up in the mornings from my sleep and when I am trying to go to bed at night. They are causing me great stress and the continuous harassment is not making anything better. Their calls interrupt my studying and Im trying to get my XXXX XXXX XXXX so I can start making money. Continuous calls and voicemails every single hour at every hour of the day is not accomplishing anything. If I answered the phone each time they called I would just be on the phone the entire day. Wouldnt be able to apply for jobs wouldnt be able to study or eat. I would just be the phone all day. Their continuous calls is not putting money into my account to pay the {$40.00} minimum I owe every month. This seems very excessive and it is causing me mental duress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my problem is that the XXXX XXXX opened 2 loan accounts in a single car and it is really a single account. This caused that in my credit report 2 loans appear when in fact it is only one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: TN
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act Law and continued to report inaccurate information on my credit report. THE ACCOUNT IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : TN CHILD SUP XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: ALLIANT CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Each time I request they accommodate my XXXX under the ADA they become hostile and argumentative and hang up on me for making a request for equal access as a XXXX person. They say we just go in circles even though I try to move it forward. They have now threatened to close my account if I keep trying to be accommodated. I have specifically requested effective communication within the ADA and an interactive good faith process to achieve a reasonable and appropriate lasting and durable accommodation for my XXXX. When I ask for good faith they hang up in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Overcharged for something you did purchase with the card

Complaint:
I was vacationing in XXXX and they had an open air market in the resort. I thought it would be nice to buy myself a souvenir. 
There was a gentleman there selling " cenote stones '' that were pretty clearly neat glass cocktail rings, and I decided to purchase one. He said it was XXXX, which I thought was pesos and I was ok with. He charged me {$640.00} dollars, which I was not ok with and decided to dispute with the card. I later found this is a pretty common scam ( XXXX XXXX XXXX ). This link is an example but you can find many stories that line up with some XXXX. 
I explained this when calling the credit card. I requested they charge back {$600.00} and bring it back in line with what I originally agreed with. I purchased an item, I'm willing to pay for it, but I'm not willing to be fleeced for the pleasure. I have rings with ACTUAL gemstones I haven't paid that much for! 
Working with BOA has been a nightmare. Every time I would call to ask a question or get clarification I would be bounced agent to agent and spend a lot of time on the phone, often around a hour with long hold times. They would often tell me I was probably going to be out of luck. 
The first time it was closed I called to get explanation and the rep said she did not understand why it was closed, felt it was closed in error and refiled it, it was immediately closed again. 
I've had to work with other credit cards on billing issues and it was usually a quick and painless process and I recoup my losses. That has NOT been the case with BOA. 
I am incredibly dissatisfied with this situation and will be closing this card out as I refuse to work with a company that doesn't stand behind it's customers.

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 2020-04-28
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: Their investigation did not fix an error on your report

Complaint:
One XX/XX/2020 I received a notice in the mail that Equifax had received my Certified Mail. They received a Letter of Correction request to my Equifax credit report along with a copy of the Notice of Nonsuit dismissing the referenced matter. 

I checked on the status of my dispute online and it states the following : The disputed item is not currently reporting on the Equifax credit file. Public Record : Judgment XXXX I spoke with XXXX who is a representative from Equifax today on XX/XX/2020 to inquire about the meaning of the above response from Equifax regarding my dispute. She explained that the response means that Public Record : Judgment XXXX is not currently report on my Equifax credit file. I explained to XXXX that my dispute is regarding the account XXXX XXXX not Public Record : Judgment XXXX. It clearly shows on the documents that I sent Certified Mail to Equifax that the account I am disputing in XXXX XXXX. I also included the exact format that the account shows on my Equifax Credit file. XXXX was able to confirm the discrepancy and she was able to confirm that XXXX XXXX is currently on my Equifax credit file. She also confirmed that she was able to view that documents that I sent Certified Mail. 

I asked XXXX how can this issue be resolved and she stated that the only thing that could be done is to open a new dispute case to reinvestigate the dispute. My follow up question was does that reset the dispute case date to todays date of XX/XX/2020 and she stated that was correct. My dispute was accepted on XX/XX/2020. Which means they have about 13 more days to properly confirm and complete the dispute case. According to the information that XXXX provided me they now can reinvestigate the case which would technically reset the date, which gives them 30 additional days. Again, Equifax was already confirmed they have received my documents through Certified Mail. The status of their investigation is also not updated as Completed in the system. 

By law Equifax has 30 days to send me ALL of the information stated in the letter. If they don't get it to me within 30 days they have to remove it. In addition, If Equifax sends me anything that doesn't include EVERYTHING listed in the letter then they have not met the requirement. 

As a consumer I have rights and those rights can not be ignored because Equifax has demonstrated obvious blatant ignorance of my well-documented dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX  XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2018-04-28
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The company will not let go of co-signer even if the terms of letting go of the cosigner has been met. All 5 question on How to let your cosigner off your loan on the companys own website has been met. Also they will not tell me what their magic number of to let the cosigner off of the loan. The company just say they will not let the cosigner go and will not disclose what the number that they are looking for on a credit report. So even if your credit is 700 plus the company may decide that your score is not good enough to dismiss the cosigner of the loan. THIS IS UNFAIR TO THE COSIGNER AND SHOULD BE CHANGED. THE COSIGNER HAS MET THEIR DUTIES AND SHOULD BE RELEASED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter that Navient was taking over my student loan and that my payments would be going to them. I checked my credit score and it said that that particular loan closed and my balance was {$0.00} so Im a little confused as to why I would need to make payments to them. I also did a little research and it seems that this particular company is being sued for fraud, among many other allegations. I do not want to keep making payments to Navient if I do not need to. Please let me know what I can do. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Deatrick & Spies PSC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in violation of multiple FDCPA laws. I sent a validation of debt letter along with a cease and desist letter to this company. I do not owe this debt, according to 15 USC 1692g As the original creditor, I only can validate this debt. I do not validate this debt. I demand this company to cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX I suffered a major financial setback and was unable to make payments on my mortgage. I missed a payment and knew I needed help. The lender required me to be 3 months behind before they would entertain a modification. The process took longer than expected, but I never allowed the payment to be more than 90 days late ( 3 months ) and started making the trial modification payments on time immediately. 

The Lender has reported on my credit report 120 days ( not 90 ) as well as continued to reflect our payment as late during the trial modification. Once the modification was finalized we made those payments as agreed until such time as I sold the property. 

Because this was an FHA loan, part of the modification was a partial claim against the MIP. When I sold the home in XXXX of XXXX, that amount was paid back as part of the home 's payoffs. 

I am now attempting to purchase a new home, and because of the inaccurate reporting on the credit report, it appears that I was more than 5 months behind on payments when in fact I was never more than 3 and now I have to wait another year when I have worked very hard to improve my credit, save money and reestablish myself in a more affordable location. Inaccurately reporting the lates is not only causing a delay, but it also makes me wonder, if the amount charged to FHA for the partial claim was incorrect and inflated and if the amount that I had to pay back was incorrect. 

It is unfair to force someone to get behind in order to help them, and it is also inaccurate to reflect a payment as late when under a trial payment. The loan was being paid according to the new trial terms, and then paid under the final modification agreement.

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 2018-02-01
Company: ENOVA INTERNATIONAL, INC.
State: KS
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 would like to make a complaint against XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was Cashnet USA. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and XXXX XXXX has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
XXXX. XXXX XXXX XXXX also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX  v. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. XXXX XXXX XXXX also violated FDCPA Section 809 ( b )  because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. XXXX XXXX XXXX also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b  ) and a {$1000.00} fine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, this is a notice that I am disputing a billing error on my consumer report as a late payment from XX/XX/2020. I have recently contacted Citigroup , Inc. stating that my account is in billing error. 

I requested for the original documented evidence and books of account pursuant to 15 USC 44, and all I did was receive a cardholder agreement. This is not full material disclosure. 

I have mailed the registered agent the attached billing error affidavit and notice of intent to lawsuit via certified mail, tracking # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Avadyne Health Holdings, 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: Account information incorrect

Complaint:
On XX/XX/2021 H & R accounts added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am trying to link my personal checking account ( PNC Bank ) with my business checking account ( XXXX  - ( XXXX XXXX ) ) to be able to transfer money back and forth as needed. My business checking account says the problem lies with my personal checking account at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I called Equifax because I was having a problem with there reporting. I have had a loan company who denied me a loan because they couldn't get a report from Equifax. XXXX XXXX XXXX XXXX I called and tried to talk to someone there at Equifax and they wanted copies of my DL and SS card sent to them, after getting all the other information to identify me. And refused to help me till I send them that. I told him I didn't feel comfortable sending that as well as giving him all my other information. I am working to better my credit and they are post negative information about me and refuse to help. They have neglected to post any of my accounts that I have. That show up on other reports. They are harming me by sending negative and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries on my credit report are in violation of 15 usc 1692g and 15 usc 1692c. These items were not initiated by me and I have no knowledge of how they came to be on my credit report. According to the law and us codes provided they are fraudulent and illegal because they can not be verified or validated legally. As the original creditor and consumer, I do not validate these items on my credit report. I have contacted Equifax and they have acknowledged on a recorded call that these items are indeed fraudulent but yet they were not willing to cooperate.

Company response to consumer: Closed with explanation