BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX has admitted to using the EOSCAR system but failed to provide if they verified the account responding back to the CRAS XXXX, XXXX, EXPERIAN using all relevant physical documentation to the credit reporting agencies. THE EOSCAR system is NOT built to comply with the REAL FCRA code. NOR is it built to allow the DATA FURNISHER XXXX XXXX THE SUBSCRIBER to the EOSCAR software to respond sending physical relevant documentation back to the CRAS. Therefore, there is NO real investigation. This is all an illegitimate scheme to offset any real investigation of verifying accounts. I will seek litigation for this negligence of abusing the system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I signed up for a new credit card and was promised XXXX bonus points for doing so. I have contacted the company on 5 different occasions and have been promised that this would be taken of. My last call on Saturday XXXX XXXX I was assured that a supervisor would contact me but no one has called me to try and correct this problem. I feel as though no one is ready to do what is right by their 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
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:
This account has been disputed and verification has been requested multiple times. Originally, the car was a total loss in an accident. XXXX XXXX XXXX  took 1 year to paid off the balance after the accident after legal action. The loan racked up fees that were waived. My credit report says repossession which is not true. 

The second part of this is that the company has recently lost a class action lawsuit. The lawsuit specifies that loans that accrued ballon interest rates as a direct result of predatory lending practices. Loan forgiveness was offered but the account is still open and reporting inaccuracies each month. This account should be deleted as promised and as mandated in the class action.

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 2017-09-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing in reference to a released XXXX XXXX that is reporting on my XXXX and Equifax credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recentlyXX/XX/XXXX and the receptionist at Equifax stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as Social Security Number or DOB in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from one investigation. XXXX or Equifax has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
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:
Inquires would made without my consent. 
on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX  on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested Validation about the debt and I received no response. Theyre not following FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize this information XXXXXXXX XXXX XXXX XXXX XXXX. I contacted that court and they sent me a letter that they do not send anything to the credit bureaus or have any file that matches my personal information. I then contacted XXXX, they show no record of the bankruptcy or a file under my name. I have attached a copy of the letter from XXXX. I want you to remove this inaccurate tradeline from my credit report. I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.

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 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have two XXXX XXXXXXXX XXXX  card with Bank of America, which entitles me {$30.00} rewards per card per quarter, and I have been getting these rewards for many years by almost the same spending behavior to meet the rewards requirements. I even got the rewards for the 2nd Quarter 2020, which was deposited into my BoA checking account on XXXX XXXX. 

However, I did not get them for the 3rd quarter this year. I contacted BoA through their credit card customer service on XXXX XX/XX/2020. I explained the issue to the customer service representative, pointed out to her the BankAmericard XXXX XXXX XXXX Program Rules ( which I would include as attachment ). The download link for this document is [ https : //www.managerewardsonline.bankofamerica.com/cms/published/root/dcb/PDF/BAC_BetterBalance_AboutCredit_121912.pdf ], and the guarding text to support my complaint is on Page 1, right panel of the " Basic terms and definitions '' section and " How do I earn Quarterly Rewards '' section. 

I was told by that customer service representative that her supervisor would call me within 48 hours, however I have not got any call from Bank of America

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2020-07-09
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a customer with XXXX Bank and switched to PNC. I did XXXX  investing with XXXX and wanted to do the same with PNC, but PNC is not allowing me to link my debit card/checking with XXXX. Can this be remedied?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: ENCORE CAPITAL GROUP 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:
I filed a dispute with the credit bureaus that this account is incorrect. Midland Credit Managment is stating that I have a balance of {$370.00} from XXXX XXXX. I have informed them numerous times that this account was paid in full years ago with XXXX XXXX XXXX   but yet Midland Credit continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that Midland Credit get an update account information from XXXXXXXX XXXX XXXX and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The midland funding LLC account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Direct Recovery Services, LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My name is XXXX XXXX. Yesterday I received a phone call and voicemail message by someone who self-identified as " XXXX XXXX '' saying that he was calling to enforce federal law against me but did not identify what kind of matter was at issue or what agency or organization he was calling from. The same call was made to my brother 's telephone line about me. 

When my attorney and I called back the number ( XXXX ), the person who picked up identified himself as " XXXX XXXX 's manager '' but refused to explain what the matter was at issue, did not identify himself at any point as a debt collector, or provide any information about what organization he represented with my attorney present, providing only a fax number to have my attorney show power of attorney, at XXXX XXXX XXXX XXXX. 

From an online search, that fax number is associated with a firm named " Direct Recovery Services , LLC, '' with the following contact information : XXXX XXXX XXXX XXXX 1, XXXX XXXX, MN XXXX http : //www.directrecoveryservices.com/ ( XXXX ) XXXX To my knowledge, I do not owe any consumer debts. While I ordinarily would not file a complaint for a fraudulent scam to collect a nonexistent debt, I wanted to file this complaint officially because they misrepresented themselves to be federal officers and this could pose a real threat to unwitting consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I learned by logging into my Chase account online that one of my credit cards with the company, which has been in good standing since it was opened in XXXX, was closed by the bank on XX/XX/XXXX. The bank did not provide any notice that this card would be closed. My most recent spending and payment on the card was under one year ago, right before the COVID-19 pandemic hit the United States. The unexpected cancellation of this card has negatively impacted my credit score because it shortened my average age of credit. 

I called Chase bank on XX/XX/XXXX within minutes of finding out that my card had been closed in order to reactivate it. Upon calling Chase, the first agent said that Chase emailed me multiple times starting in XX/XX/XXXX and sent me a letter in the mail to alert me of the card closing. I checked my email with the agent on the phone and told her that I had nothing but payment confirmation emails for the other 2 credit card accounts I hold at Chase. Nor did I ever received anything in the mail from them. The agent was unable to do anything to reinstate the card so I asked to be transferred to a higher-up. 

The second agent told me that they did not email me but that they sent me a letter in the mail on XX/XX/XXXX. I have USPS informed delivery, so I receive a digital record of every item that is sent to my address in the mail. There is no record of a letter from Chase bank at the end of XX/XX/XXXX nor did I receive the letter he mentioned. He told me that the bank opted to close my card because there had been no spending on it in the past 6 months. He also said that they would rather I cancel all of my other credit cards with Chase, which carry substantial annual fees, than reactivate this card. 

Without notice, Chase bank closed a credit card that I held in good standing with them for nearly 7 years, on which spending and payments were made in the last 12 months, and when I contacted them to reactivate the card they lied to me about their communication and indicated that my business is meaningless to them. I recommend not working with Chase if you have the option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX XXXX XXXX  ( XXXX ) XXXX over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX XXXX ( XXXX  ) XXXX  that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( XXXX ) XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX  XXXX XXXX  ( XXXX ) XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX XXXX  ( XXXX ) XXXX  failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2020-10-13
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: Information belongs to someone else

Complaint:
My ex husband used my information to get his school loan before we divorced in XXXX, XXXX with company name 'XXXX  '. 

He filled out electronic loan papers and used my identity. He put his 2nd email address and his cell phone with my information as cosigner. 

After 10 years these loans are showing up on my credit report and ruined my score because he is not on top of making payments. 

I talked to XXXX numerous times with police report for fraud too. 

1. Loan # XXXX Original loan amount {$13000.00} current amount over {$28000.00} Opened XX/XX/XXXX 2. Loan # XXXX Original loan amount {$10000.00} current amount over {$16000.00} Opend XXXX All I want XXXX takes my name off these loans. 

My sign was not notarized for these loan. All done under electronically.

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 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 account was unavailable to access funds or manage account. Contacted customer service at XXXX at XXXX XXXX EST to only be disconnected. This is the second time I've had issues with this account under these circumstances. I'm also considered a " preferred client '' with this financial institution. Due to the inconvenience of my not being able to access my account or speak with a trade desk representative, I was unable to properly manage my account and execute an investment trade today resulting in loss of financial gain. I wish to seek compensation. Access to account was unavailable both mobile and desktop applications.

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 2020-11-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX Was calling in since they closed my account down for fraud - was speaking a XXXX at the time, during the convo she said we need to open a new account, We were doing that all of sudden she stops and says " I am no longer allowed to speak to you please take your ID Into a local branch and verify you are XXXX '' I asked her what the heck happened she refused to speak to me. 
I asked to speak to a manger, XXXX said the info I am getting is not adding up. Everything I said was adding up. It is the fact that I am a XXXX and my voice does not match the correct pronoun, because of this they locked me out of my account. Because of my voice, this is 2020 I should not have to disclose personal private info about my gender to a phone rep and have my account locked because of this! I am so dishearten by this bank that I am 100 % switching on Monday. 
Disclination at its finest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions 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:
Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/XXXX and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/XXXX and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623

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