BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX  XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Lendmark Financial Services
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
A 2nd mortgage was taken out in XXXX at lendmark financial. Sold to XXXX XXXX XXXX which paid off lendmark. They never released the lien from my title & now I'm refinancing & they won't get me the release paperwork to clear the title so I can close on refinance. I called XX/XX/XXXX ... said they would check on it. Today XX/XX/XXXX I called back they just put in work order when I called today. Simply not doing their job for years.. now i can't close on new loan due to them ( lendmark financial ) not doing their job in the first place. Ridiculous business practices & no one knows anything ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan from XX/XX/2014 to XXXX shows that I was late on my credit report. I attended school before this date and after XX/XX/2014 I was told that my loan was deferred and it would be backdated from XX/XX/2014. I look at my report and it still shows that I am late. They have updated my XXXX   report and removed the late payments. I have disputed this with all three credit bureaus and they still show up late in XXXX  and XXXX  please fix this. I know that there is a dispute with the Attorney general with the Navient student loan from the college I went to. Although I want my credit report to be updated please. I am aware of the law suite many years ago involving Navient with not disclosing information to students on other behalf when you need a deferment or even letting students know of there option I am sure this is what happen and this is a mistake please remove the late notes in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-26
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: Their investigation did not fix an error on your report

Complaint:
Transunion are reporting incorrectly a late payment for XXXX, 2019 on the XXXX - partial account number XXXX ( please see page 4 of the attached credit report. ) We were going to try to start automatic bill pay however the first time we tried to use the bill pay the payment didnt take go through that first month so we went back to manually paying this bill. I thought for sure that the original payment would have gone through in time however it did not. We got worried and paid it again. By this time it was too late and we were reported late in XXXX, 2019. This inaccurate reporting is harming my credit score.

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 2019-08-08
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME ALMOST IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT AS A RESULT OF THIS.I 'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXXXXXX -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

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: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Ive contacted Capital One in regards to late payments reporting on my credit report. Ive attempted to inform them of the financial hardship I was facing at the time of the late payment. Sending them multiple goodwill letters requesting the late payments be removed and they arent willing to change it. Ive been A loyal customer for over 4 years with 2 active credit cards in good standing. I havent made a late payment in years since Ive overcame my financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: SUNTRUST BANKS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX 2016 I was offered a bank credit card by a bank representative at my local bank.! He explained to me that the credit card was in the amount of {$3500.00} with a 15 month interest free plan. I used the card initially to pay off a few small accounts and also to make a few personal purchases. I was later reprimanded by someone from the credit company and told that, '' I had no right to make purchases on the card ( my card ). I was further asked who authorized me to do so ''. From that point I was charged 'Interest ' on my credit card and have been paying even to this date! Although, I do not feel that I have been treated fairly, I continue to pay my bill. Please assist me with a workable and fair solution to my delemma. Thank you for your timely consideration.

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 2018-07-27
Company: Global One Arbitration Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Multiple people who I have known in the past have been called regards to a " legal claim '' and they state to them that the message should be considered as being " served '' I have never received any type of demand letter requesting me to pay anything. I spoke to " XXXX '' at Global One at XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
At XXXX XX/XX/XXXX, I woke up and saw a bunch of emails from Bank of America that stated that I had made an account and opened a credit card under my name online. I immediately called them to see what happened and to report it due to it not being me who opened this credit card

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 2019-04-19
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: MO
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:
Insta credit auto mart in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: CITIBANK, N.A.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 my Sears MasterCard was charged {$3600.00} by XXXX without my prior authorization. I called XXXX and they cancelled the subscription but imposed a " 6 % processing fee '' of {$350.00}. I filed a dispute with MasterCard. They concluded that XXXX was correct. MasterCard did not provide evidence that I had authorized the charge nor the 6 % processing fee.I also filed a dispute with XXXX. XXXX  also concluded the charge was correct without providing any rationale for their decision. 
I had used this card for 45 years and had paid all legitimate charges during that time. 
For MasterCard to conclude, without evidence, that I suddenly decided not to pay a legitimate charge is unreasonable.

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 2019-11-18
Company: EQUIFAX, INC.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX turned over a medical bill to a collection agency that I have no knowledge of. I have requested in writing and through my disputes with Equifax to have verification of the debt and that it in fact belongs to me. I have a minor daughter whose father is responsible for all medical bills. I have never received any clarification as to what this debt pertains to and what it is actually for. I find it extremely frustrating that these credit bureaus can just take the word of a debt collector and never have to provide validation of the deb to the person being targeted for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
RE:XXXX. In response to my complaint, Navient said that they never told me that in order to change loan servicers I would need to consolidate my loan. That is what I was told. That is the reason that I consolidated my loan. Then they assigned the loan back to Navient and took all of the interest I had paid fromXX/XX/XXXX toXX/XX/XXXX. 

I requested that Navient send me the consolidation paperwork which states that reason for the consolidation. They sent me the consolidation paperwork and the reason for the consolidation is not stated. 

Please ask Navient to produce the loan consolidation paperwork from XX/XX/XXXX with the reason for consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediately. Thank-You 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 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 2019-04-19
Company: Harris & Harris, Ltd.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls from a XXXX XXXX XXXX XXXX XXXX, when I answer I get a recorded message they are not taking messages now, this is constant every day or so. I tried to look up this company 's contact information, all they give is the phone number they never answer. XXXX XXXX XXXX. I XXXX   this company and the complaints are endless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive notice for this debt before it was placed on my report. XXXX let me know that it was reported on there this week. Please send me a copy of the debt validation at my address. I dont even know what the bill is or who the com-any is from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX credit card through Comenity Bank. I receive my once a month XXXX check on the first of each month so I pay my bills as soon as I can. I had a balance of {$48.00} on XX/XX/XXXX. I made my minimum payment of {$35.00} on XX/XX/XXXX, my due date was XX/XX/XXXX which should have reduced my balance to {$13.00}. Comenity bank charged me a {$35.00} late charge on XX/XX/XXXX. I have called several times trying to work this out with them and they have refused to remove the late charge and would not except my payment of {$13.00}. They say that my XX/XX/XXXX payment was applied to the XXXX statement!! How can they apply a payment I made in XXXX to XXXX? Now every month they are charging my account a {$35.00} late fee and interest and refuse to accept my payment of {$15.00}. I added {$2.00} in interest just trying to be fair of the amount I owe them. I have tried and talked to several different people and supervisors at Comenity Bank but they refuse over and over to correct my account or accept payment for what I owe. As of today 's date, they are staying my balance is over {$100.00}! Now I am afraid that this is going to ruin my credit report rating. I have never had a late payment on my account with Comenity Bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had fraud way back and the bank is giving me a hard time using debiting my account and well as wiring funds its has caused me lot of embarrassment in. public and most of all cost me a lot of business deals I travel. a lot out of the country and I want all my accounts closed with bank of america as they are known for this kin d of abuse as well as treatment. especially since I have over XXXX XXXX run there bank they are rude crude on the phone and in person they are mad that they have good client that leaves big balances on deposit with them but make it hard someone with my status should get royal treatment and have good business banking relationship with personal banker but not with B of A I am being penalized for having to much in the bank I have emailed them as well as faxed them 9 times been to bank as well as had my power of attorney go to the bank there no fraud on the account what so ever they are mad that they paid me on some disputes I had not used the bank account for some time and now they are causing me more problems especially the fraud Department one day they clear it the next day its frozen one day it works one day I am told to come to a branch sit with manager call the fraud dept I answer all questions every time with flying colors still am penalized my time is valuable especially since I make {$6200.00} dollars a hours times 40 hours a week times 20 days a month thats about a million a month I make for this aggravation please help me asap I do not want to talk to them more do I want to ever step foot in bank of America period just cut me check send it to my address or wire it out to my other bank PLEASE FEEL FREE TO CONTACT ME WITH ANY QUESTIONS XXXX XXXX XXXX XXXX XXXX XXXX USERNAME XXXX password XXXX my accounts been locked up for 4 months XXXX XXXX XXXX XXXX XXXX XXXX I have over a million in each account plus I have a cd for XXXX XXXX I want a check mailed to my address on file asap and my accounts closed its been a bunch of XXXX and its costing me everything I am also filling a law suit as well.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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