BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: NC
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:
I have recently reviewed my consumer report and discovered items listed that result in misuse of my report and violate the law. I did not give any written instructions for these accounts and alleged late payment transactions to be furnished on my report. One of the reporting companies agreed to remove the late payment information, but no action has been taken. 
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
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 belongs to someone else

Complaint:
I saw that there were multiple inaccurate information reporting on my credit. I have reached out to the credit bureaus for help and there has been no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2018-11-09
Company: RUI Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, XX/XX/18, I was contacted by this number and asked to identify myself. I asked who was calling me and the agent stated that because they were on a recorded line they could not divulge who they were or where they were calling from until I identified myself as the person they were trying to reach. I again asked who was calling me and where they were calling from. I was told, again, that the agent could not tell me until I identified myself as the person they were trying to reach. I told the agent that they called me, so they needed to tell me who they were and where they were calling from before I would confirm or deny my identity. Again, I was told that because they were on a recorded line, they could not divulge that information without me identifying myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
I've tried to contact XXXX by phone but it is next to impossible. They've set their phone tree up so they keep referring to their website. I keep explaining and then they reject the reason and won't let me complain after XXXX time. 

They partner will credit companies and I get barraged by emails, letters, phone calls so XXXX can profit from my situation. 

Here are the facts, and what I sent them today. Please help. 

Dear Sir or Madam : I'd like to request a Good Will adjustment to my XXXX discharged loan for the following reasons : XXXX. I took out the loan in XXXX for {$15000.00} while completing a second masters and was told it would be forgiven if I taught in a low-income school. 

XXXX. After I took out the loan, and completed the teaching years they rejected the forgiveness. 

XXXX. I've had deferments and forbearances until XX/XX/XXXX. 

XXXX. I've never made XXXX single payment on the loan. 

XXXX. You say that I didn't have a forbearance in XXXX. 

XXXX. I did fill out the applications for that. 

XXXX. I am XXXX and have XXXX XXXX that would qualify. 

XXXX. I am XXXX. 

XXXX. I'd like to get a car so I don't have to ride a bike for groceries or the hospital. 

XXXX. Please consider this. If this doesn't qualify for the Good Will then nothing else could possibly qualify. 

XXXX. I will request this every day for the rest of my few years left. 

XXXX. I'm not sure about how the loan was transferred or bought out but there must've been a time that I didn't make a payment and the 7 year rule would've applied. I'd like you to research it from XXXX to show me the proof against my dispute. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for a XXXX dollar loan with XXXX XXXX to attend XXXX The XXXX University In XXXX for Fall of XX/XX/2018. XXXX took the money before I ever even got to register for classes. I attended there for less than 24 Hours and came back to US and Informed XXXX XXXX That they needed to Cancel the Loan seeing that I wasnt a student at XXXX. XXXX XXXX said they couldnt Cancel because XXXX Took the loan already but XXXX took the loan during the summer before I was Officially a student. Ive asked XXXX XXXX and Have tried to explain my situation to XXXX XXXX and explain XXXX Fraudulent Actions and they have been no help and the XXXX is putting a big toll on my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
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: Old information reappears or never goes away

Complaint:
XX/XX/2023 - XXXX XXXX XXXX ( XXXX XXXX XXXX ) Dispute Comments still showing on credit report after dispute is over. After contacting agency they discuss they are no longer reporting dispute comments on credit report and should contact all 3 credit bureaus for removal of dispute on comment section on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX XXXX and I have been a CitiBank acct holder since XXXX. In addition to a checking account, I also maintain a savings account, credit card, and personal line of credit with CitiBank. Since opening my accounts with Citibank, I have always maintained my deposit and credit accounts in an outstanding manner. 

On XXXX, I logged into the Citi mobile app to make a payment to my personal line of credit and that was when i realized there was over {$500.00} worth of ATM withdrawals conducted on my account days before. I immediately called Citibank to report the unauthorized transactions. I hardly EVER use my debit card and primarily conduct all my banking via the consumer website and the mobile app. On XXXX Citibank took my dispute and began the claim. 

SINCE THEN, I have had no response from Citibank and I am still out $ 500+, it has now been MORE THAN 10 BUSINESS DAYS. By law I shouldve been given a provisional credit while this " investigation '' is still going on. 

On XXXX, I contacted Citibank and was transferred multiple times till finally I was handed off to an individual by the name of " XXXX '', who claimed to be an Account Client Supervisor. This person was extremely rude and kept interrupting me when I was trying to explain my frustrations to him. XXXX has NO knowledge or Reg E, does NOT work in the disputes/fraud dept., and REFUSED to answer the question of " When will this be resolved and when will I get my money? '' XXXX just kept repeating the same script and saying that it can take up to 45 calendar days and when I asked him about receiving a Provisional Credit, he refused to tell me when I would receive one. I asked to be transferred to dispute department or a manager and he refused and stated that " Special Investigations Unit '' does NOT talk to clients. ARE YOU KIDDING ME? They DONT???? What kind of investigations is Citibank doing if you're not even speaking to the victims of the fraud??? 

XXXX then put me on hold and stated that he would check on the status of the dispute in the back office. When I told him I cant be on hold any longer ( over 45 min ), he told me NO when I asked for a manager to call me back and THEN HUNG UP ON 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 2018-07-22
Company: M&T BANK CORPORATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I have owned my home for 3 years and am in danger of losing it due to servicer negligence and an avoidable foreclosure. I am a veteran of the XXXX XXXX XXXX and was able to refinance this property with a VA loan. Due to a temporary hardship I fell behind on my mortgage payments and have been working diligently to get back on track with my servicer M & T Bank. I made the lump sum payment I thought would get my account current in XXXX, only to find out I was still behind due to all the fees and other charges they had levied on my account ; also, there was confusion due to another change in loan servicers ( there have been multiple changes in the short time Ive had this loan ). 

I could not pay anything more and decided to try to get my loan modified. I submitted multiple packages for review and after multiple denials I was finally approved for a trial modification. I made the first two trial payments, but then I was alerted that a small lien placed on my property by my homeowners association ( stemming from the same hardship period ) was going to cause M & T Bank to revoke my modification. That happened on XX/XX/XXXX, XXXXand M & T Bank then felt it necessary to set a foreclosure sale date for XX/XX/XXXX!!! I got them to postpone that sale date, but they rescheduled it for XX/XX/XXXX. 

I can make the agreed monthly mortgage payment but M & T Bank is not giving me a chance to get my mortgage back on track by rushing to sell my home so quickly. I am a XXXX XXXX XXXX veteran and am now a hard working employee of the XXXX XXXX XXXXXXXX. I also volunteer often with my churchs XXXX XXXX XXXX. In other words, Ive served my country in the military, I work now in a XXXX XXXX, and I continue to give back to my communityI do not deserve this treatment by M & T Bank. My hardship was temporary and I am back on my feet and able to afford the mortgage payment.

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 2023-03-24
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: Personal information incorrect

Complaint:
My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My accurate address is : XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Unauthorized credit inquiries on credit file.

Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.

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 2022-10-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am currently not making enough money to pay my debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-17
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:
FTC VIOLATION CFRA VIOLATION SHOWING INACCURATE INFORMATION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Applied for Chase amazon visa in XX/XX/2021. I never received the credit card. I was unable to create an account to pay the bill because I need the credit card number to create and account and I had never received the card. I called Chase and gave them a different address. Again, the second card was also not received. I have a two line address as i utilize a po box . Unfortunately Chase 's system is so antiquated that it can not produce a statement with a two line address. As you can see from the attached that they have both lines of my address but only one line was utilized each time.

I called chase again and they said the second card had been returned. I verifies the correct address and asked them to send me statements as I was unwilling to make payment until I could conform that the charges on the statement were indeed mine and not fraudulent. This is a perfectly reasonable expectation.

The credit card company should be competent enough to provide me a statement before expecting payment. Chase filed a negative report with the credit bureau alleging late payment. Due to Chases incompetence i was unable to pay the balance on the card. Case has said that USPS says my address ( es ) are not valid. The address is valid. They way Chase entered the address is not valid. As you can see from the attached they have the correct address they are just unable to use both lines of the address. The correct address is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Both lines need to be utilized in order to ensure delivery. Again, the attached proves that Chase has both lines of the address they are just unable to competently complete my address in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: IL
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:
As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance. 

Accounts removed immediately. 
XXXX XXXX XXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. 

XXXX XXXXXXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. 

XXXX XXXX ( XXXX ) You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report

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 2021-04-30
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed several of the addresses that Experian had for me because of the wrong zip code or the address having a XXXX in front of it. They would not delete it. Clearly someone has been messing with my information otherwise I have never gotten my address wrong or put an XXXX in front of my address. There is also my name misspelled. The credit bureau just updated the info with the same wrong zipcode. Thats not helpful and clearly my time is of no ones concern. The fact that I have to go out of my way to write this email is insane, after spending all that time disputing it.

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 2019-09-03
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2021-03-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.

Company response to consumer: Closed with explanation