BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Personal information on the below accounts are false. My information needs to be verified : Name, Social security, Address, Balance, Account number, Identifying the original creditor, Provide me with your license numbers and Registered Agent or Agent of Service. 

BK OF AMER Account Number : XXXX Account Number : XXXX Balance : {$15000.00}

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 2021-03-25
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 was taking avenger of by your company which server laws of malpractice under the FCRA being broken which has in fact hurt my ability to apply for credit which has cause me defamation of character and hurt me financially

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not a credit repair company or credit person, I am XXXX XXXX XXXX XXXX, and I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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:
My name is XXXX XXXX and I am confirming my identity to avoid any additional delays in taking action on my behalf. On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days, I have not received a response to my letter sent. I attempted to call XXXX XXXX Equifax on multiple occasions and am unable to speak to a human. I feel like I am being taken advantage of and my disputes are being ignored. Failure to investigate the items disputed within XXXX days gives reasoning to immediately remove the items from my credit report clearly stated in section 611 ( a ). It has been over 60 days so they should be updated and deleted immediately or I will file a litigation claim due to the stress you have caused me. My information was also impacted by the Equifax data breach and was obtained fraudulently. 

15 USC 1681 ( a ) ( 1 ) ( 3 ) was enacted by Congress to protect consumers such as myself in regards to accuracy and fairness and unauthorized inquiries 15 usc 1681 ( b ) ( 1 ) but this is not the case of the items being stated on my credit report facilitated by All XXXX bureaus! No where in Congress is it stated to report late payments due to the finance charge prepared with any loans closing documents. 

A finance charge in USC 1605 ( a ) ( 1 ) ( 3 ) it clearly states that any fee representing the cost of credit or the cost of borrowing money including interest is within the finance charge. In this case no late payments should be reflecting on any credit report as it also is an infringement on my privacy as stated in 15 USC 1681 as well. I have also completed an FTC report due to such matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CORELOGIC INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a collection that does not pertain to me at all. I have had past identify theft over seas being hurrassed at my job on on my cell phone. I recently applied for an apartment with my husband with not so good credit and my son whom has perfect credit and we all have good jobs. Please help we are struggling to make ends meet n possibly get rid of our debt. Exclude my son. And we have a XXXX yr old. We have money to make ends meet and more. We r homeless now, while others are criminals trying to get over on the system and succeed. We are doing right and can not get a break.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Account information incorrect

Complaint:
I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus XXXX  Experian and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid 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 explanation
Consumer complaint received 2020-07-01
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Macy's/DSNB on XX/XX/2020 regarding a delinquent account on my credit report. I wanted to settle the amount, since the credit was for {$300.00} and the amount owed is {$550.00} ( past due ). They informed me that the could not handle the account and then provided me with another number, XXXX. I then contacted them to see if I could settle the account since I do not have the {$550.00}. They informed me I was not eligible for a settlement ( something about the 7-years statute of limitations ) and could only take care of the account if I send them a MO, check via mail in the full amount. They indicated this was law and I told them how I was not informed about this until now.

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 2021-02-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
You are in Breach of the Arbitration Clause in the said contract by sending the debt to a collection agency. Since the contract has been breached, I demand removal of this account. 


To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ {$6300.00} ].

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2021. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 15 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. 

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 


15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, EXPERIAN, & XXXX. Proper identification is provided. I DEMAND A RESPONSE WITHIN THE NEXT 15 DAYS UPON RECEIPT OF THIS COMPLAINT.

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 2020-07-05
Company: EOS Holdings, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX SOLD MY ACCOUNT TO 11 COLLECTION AGENCIES IN XXXX AND ARE STILL REPORTING ON MY XXXX. THESE ARE TIME BARRED AND THE SOL EXPIRED AS A RESULT XXXX  PUT A FREEZE AND WONT LIFT IT UNTIL YOU CONTACT THEM MAKE SURE YOU GET LETTERS FROMTHEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is falsely reporting two collection items on my XXXX and XXXX credit reports that I do not owe. I disputed with XXXX who advised the accounts were deleted. However, Portfolio Recovery continues to update my XXXX and XXXX reports falsely claiming I owe debts to XXXX  XXXX and XXXX bank. I do not owe debts to either creditor. 

1. Account Number XXXX XXXX XXXX {$1700.00} 2. Account Number XXXX XXXX Bank {$690.00} Both erroneous collections need to be removed from my XXXX and XXXX reports as Portfolio recovery has never contacted me and has not sent me anything substantiating these alleged collections. They are not mine, and they are hurting my credit. I am an auditor and this irresponsible and false reporting can adversely affect my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I broke my lease 4 months early on XX/XX/XXXX due to medical issues. I did advise the rental community of this decision and was aware that I would have to pay a buyout fee. I was then billed by Fair Collections and Outsourcing for a balance signifanctly higher then I was originally quoted. I received a notice advising me that I owed a balance of XXXX to satisfy the delinquency. Upon receiving copies of the rental agreement ( requested by mail ) I found a host of errors which caused the balance to be inflated. I left the residence XX/XX/XXXX,  however I was still being charged for XX/XX/XXXX rent. I also saw a bill for the a/c stat damage. This was already an ongoing issue prior to me moving in and I informed leasing office of this. Lastly I noticed I was being charged for a washer and dryer that I never owned. Nowhere in my lease does it state I was going to be charged {$49.00} for something I never had. I spoke with a representative and requested a copy of my lease which indicated that was something in the contract. I have yet to receive it to this day.

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 2019-01-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is the loan provider. I have asked for a budget/ income driven loan and they through me out of the the repayment plan because I took a home equity loan to fix some things in my house. They said that new credit was the cause of them throwing me out. Later I asked for a forbearance and they said I had 4 month of forbearance available, but I could only take 3 months at a time per their policy so they charged me {$50.00} for 3 months, then another {$50.00} for 1 month. They do not treat their borrowers very nice!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, this company contacted me via phone for the 1st time. I asked for written notifications of said debt, as the amount started was wrong and I wanted to dispute said debt. The rep state that a email was sent to me, I asked the rep to hold while I reviewed email which I was unable to locate at this information was never sent to me. The rep hang up the phone and when I returned to inform then of this information. The next day XX/XX/XXXX, this items was added to my credit report without me having the opportunity to dispute said charge. Which is not an accurate amount. Charges include items that were returned to direct tv. I would like to have my 30 days to dispute this charge. While I dispute this charge it should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
Good Evening. 

So, in 2017 I submitted an investigation with your agency the CFPB with regards to the only inaccurate account on my XXXX, XXXX and XXXX, an inaccurate collection account reported by a XXXX XXXX. 

Within days of my investigation request, XXXX XXXX replied to us acknowledging error and deleted the inaccuracy ... 

Today, I discovered XXXX XXXX has now again, started to report the exact same inaccurate account that you helped me previously resolve ; I believe this is a clear violation of the FDCPA Act and this false credit tradeline obviously needs to again, be removed immediately- Very unfortunate collection outfits like this can so easily report this information and I thank you again for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is purposely not increasing consumers credit scores in order to entice them to sign up for Experian Boost and other products that they offer. My XXXX and XXXX are 100 points higher than Experian and they have the same reported information. I can understand a little point difference but XXXX to XXXX is too big of a difference. Ive paid down my credit card balance and paid bills on time even during the pandemic.

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 2018-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it May concern, My delay in payment started after hurricane Harvey where I was out of work for a week and then when work started back we were not at full production at the plant where I was working at which I was under payed for 2 weeks. At that time I spoke to XXXX XXXX about Hurricane Harvey Relief in XX/XX/2018 in which I started my forbearance The Bank of America ( BOA ) rep called me each month where she stated that the calls were recorded and informed that my loan was a VA loan and the payments would go on the back end of the loan. Then in XXXX it was extended for another 90 days in which I would start my first payment XX/XX/2018 which I was paying until XXXX XXXX payment for XX/XX/2018 was denied because my account was in foreclosure status. At this last conversation in XX/XX/2018 XXXX XXXX stated that the terms changed and I will have to pay for the past 6 months in full. I was then confused because that was not we talked about .The forbearance payment should have gone on the back end of the loan when the loan matures at the final payment. During the forbearance the letters that I got in the mail XXXX told me to disregard because my payments would go to the back of the loan.When I tried to make last payment in XX/XX/2018 I was told that I could not make my payment and my account is in foreclosure.I XXXX and XXXX XXXX never got a certified letter from Bank of America.I just received the documents that I requested back in XX/XX/2018 after I talked to XXXX XXXX in XX/XX/2018. If these calls were recorded please listen to each and assist in this important matter.

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 2018-03-12
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/2017 i went on XXXX to see if there are any interesting credit card offers for me, after putting in my information including the last 4 digits of my social security number an offer came up offering XXXX Amex Membership rewards point for signing up for the Platinum card, I clicked on the offer, it then requiredme to log in to my americanexpress.com account, after that I got to a page with the offer, it required me to put in a few basic information, I read through the entire offer including all the terms and condition and I found to be eligible for this offer, it did not state anywhere that the offer is not available to applicants who have had this product before, so i went ahead and applied for this offer, I got approved and completed the required spending threshold, but when it came the time frame of receiving the bonus I saw that no point came in, I called American Express and they informed that since I already had this card in the past I am not eligible to receive the signup bonus, so I said that there was no mention about this in the application, they insisted that it does state that in the pplication, I asked them to open a complaint, after waiting months the case just closed saying " case was closed as Non Amex error as no defect was found post investigation '', this is unacceptable as American Express was clearly saying that I will get the signup bonus and they have no reason to deny me these points

Company response to consumer: Closed with explanation