BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXXXX/XX/XXXX : I disputed the amount owed because this company entered into an agreement with me that was to pay back a prior debt. 

Unaware that this company was charging $ XXXX/month fee for simply having an account. 

Disputed this issue iXX/XX/XXXX/XX/XX/XXXX and rather than attempt to resolve issue, company reported my payment as late to credit bureaus. 

From XX/XX/XXXX-XX/XX/XXXX, 0 late payments with exception of month in dispute. Company refused to remove delinquent payment from credit reportaccount and payment were not delinquent, simply in dispute. 

I believe the monthly charge of {$7.00} was fraudulent and I believe that the refusal to remove the late payment ( while disputing this charge ) was fraudulent.

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 2019-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I made a deposit at Bank of America and took XXXX back. The check I deposited was a Bank of America check my mom had written me. The next day I checked my account and they placed a hold on the check. I called the bank they said they could not help me or release the hold. This caused my sons daycare to be returned and additional fees. My mother also called the bank because they had taken the funds from her account and told her they could still hold the check from my account. I could understand if it was a check from another bank but it was their check they cleared it and would not release the hold so I could make my accounts current. Now I have incurred more fees.

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 monetary relief
Consumer complaint received 2023-05-16
Company: ENCORE CAPITAL GROUP 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:
This is not my debt, but this company is reporting this card was opened by me and it's on my credit report. I wish for it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My identity was stolen and misused to open up fraudulent utility accounts at unknown addresses without my knowledge or consent.

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 2018-02-11
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt she'd be discharged as it is over 7 yesrs. Company, Navient. falsified last payment date to hold onto debt. I couldn't have made a payment in 2014 as I couldn't even buy my own food. Plz discharge full debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, we paid cash for a home to be our primary residence. The cash came out of an investment account. I applied the same day to Quicken Loans/Rocket Mortgage to obtain a regular, 1st mortgage, so that we could replenish our investment account. I clearly stated my intention to do some work to the house, which included needing to fumigate the home for termites, plus other remodeling and improvements. The loan consultant insisted that we could apply for a primary residence loan, as our existing home was up for sale, and will actually sell and close escrow in a few weeks. 

The appraiser came out to the house and I met them there. I explained that we were doing remodeling before moving in. Today, Quicken Loans/Rocket Mortgage stated that we were not eligible for a regular first mortgage, despite my providing the loan consultant all pertinent information at the time and subsequently. I believe the deposit we paid was fraudulently obtained, as they did not give me the information that a regular first mortgage would not be available to me. I was informed of that today, XX/XX/XXXX. I had provided them with all requested insurance, financial, ownership and title information prior to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
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 2020-06-02
Company: Village Capital & Investment LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Village Capital purchased my loan from XXXX XXXX  XXXX XXXX  company. On XX/XX/2020 I received a letter from Village Capital informing me that my loan was moved to Village Capital for servicing. The letter stated that I owed Village Capital payments beginning on XX/XX/2020. Note that the date of the letter was XX/XX/2020. My XX/XX/2020 payment was sent to XXXX XXXX  XXXX per the original loan arrangements. I called Village to explain that I paid XXXX XXXX  XXXX and that they should resolve the issue with them. I also sent a copy of my check to XXXX as proof of payment. On XX/XX/2020, I remitted my next payment to Village per their instructions. In spite of two phone conversations with Village, my proof of payment and the obvious fact that Village informed me of the new servicing arrangement AFTER the due date of XX/XX/2020, I continue to get robocalls, letters and texts claiming I am delinquent in payment and that my credit will be damaged if I do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that there were inaccurate account ( s ) on my credit report Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX. ( XXXX ) Account number : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
{$72.00} Open balance XXXX XXXX XXXX Original creditor {$99.00} XXXX XXXX XXXX Original creditor {$1000.00} Open balance XXXX XXXX XXXX  XXXX Original creditor {$1200.00} Open balance XXXX XXXX XXXX Original creditor {$7000.00} XXXX XXXX XXXX XXXX XXXX Original creditor I do not agree with the outcome of these negative items on my credit report that I did not authorize, I am unaware and would like for these derogatory remarks be removed.

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recived verification that's show 's balance incorrect original and current balance!

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 2019-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America has been charging me approximately {$95.00} per month in interest on a Cash Rewards Signature Card. The original balance was {$5000.00} in various charges of which I have paid down to {$3500.00} in a rather short period of time by almost doubling my monthly payment ; however, the extra amount I pay each month is almost totally consumed in the interest charge. B of A also has reduced my available credit from {$5000.00} to {$3700.00} for no apparent reason other than, perhaps, Im making more than the minimum monthly payment which seems to be a sanction against me, again for no reason. When Ive called the bank on several occasions, all the rep can tell me is that the interest is being charged on a cash advance, which Ive never taken to my knowledge. If there was a cash advance in the earliest history of the account, it could not have been more than {$200.00} but Im pretty sure Ive never taken such cash advance. The account is approximately 2-3 years old and the $ XXXX monthly interest charge started from the beginning of the account. I feel this is usury which is a violation of fair credit protection law in California. If I were not paying more than the minimum payment my balance owed would have remained at {$5000.00} over the 2-3 years that I have had the account. That is a travesty!

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 2019-06-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX, my wife, XXXX XXXX XXXX and myself, XXXX XXXX XXXX, reviewed our credit reports and noticed we both had a medical collection for a medical bill of {$310.00} from Credit Systems International , Inc. account # XXXX / # XXXX. My insurance company or myself makes payments for all procedures. We have never received a bill from the original creditor or from Credit Systems International , Inc. regarding this bill. We have never been given the opportunity to dispute and request validation prior to this agency placing this alleged trade line on our credit reports. 
On XX/XX/XXXX I, XXXX XXXX XXXX sent a certified letter ( Article number XXXX XXXX XXXX XXXX XXXX ) to the above company advising that their claim was disputed and validation was requested made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. In this letter, I ask this company to provide me with the proper documentation ( validation ) that we owe this debt and gave them 30 days to respond to my request. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt this company says I owe. This certified letter was received and signed by an employee with the above company on XX/XX/XXXX, yet, I never did receive any validation or correspondence from them. 

On XX/XX/XXXX, I filed a complaint with the XXXX  XXXX XXXX ( XXXX   ) under complaint number XXXX. Based on this complaint, Credit Systems International , Inc. agreed to send validation and delete/remove this medical bill from our credit reports. 

After recently checking our credit reports, this company continues to report the same invalidated information to the credit bureau 's ( XXXX, XXXX and, XXXX ). Due to this fact, this medical collection mark on our credit reports is in violation of the Fair Debt Collection Practices Act. No validation proof has been sent to us by this company to prove this medical bill belongs to us or was never paid by my insurance company or myself. I have even called the original creditor who advised they did not show this account in their system. Also the original creditor that was listed on our XXXX credit reports is different than what is now listed on our XXXX credit reports. Both state the bill occurred in XX/XX/XXXX. 

I am requesting that all references to this medical collection bill ( account # XXXX / reference # XXXX / # XXXX ) be deleted and completely removed from our credit reports ( XXXX, XXXX and, XXXX ) and a copy of such deletions be sent to us via certified mail immediately. 

Filing this complaint again it my last course of action before I take legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have a private studet loan with Sallie Mae which I have always made on-time payments. Unfortunately, in XX/XX/2018 I had to leave my job and relocated to Virginia to take care of my elderly mother. I spoke with a Sallie Mae representative in XXXX in regards to me being unable to make my monthly payments at this time as I was unemployed and re-enrolling into school. The Sallie Mae representative told me I could only put my loans in deferment by paying {$150.00}, which I dont have, and that the payment would NOT be applied to the principle or interest of my loans. The representative also told me to go online and mail or email the paperwork stating I was back in school to defer my loan repayment. At the end of XXXX/early XXXX I printed the form off from their website emailed AND mailed it to them. It is now XXXX and they have yet to put my loans into deferment.Sallie Mae calls me mutiple times everyday, from sun up to sun down, requesting payment even after Ive asked them to stop calling. Ive asked that all contact be written either via email or mail, but have not received anything from them. Ive done what I was supposed to do as far as alerting Sallie Mae of my unemployment, school enrollment, and completing their required documentation. I am not sure what else I can do at this point. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 TD Bank in XXXX XXXX NY took money from my social security ( SSI ) XXXX XXXX XXXX They took money to pay for overdraft fees I needed that s SSI check to pay rent for my son and I We now don't have enough money for rent I asked TD Bank to let me pay off the overdrafts in payments They said no Are they allowed to take a goverment issued check? 
Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, i received {$84.00} in my paypal account from XXXX XXXX. i cant withdraw or transfer the money from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been living in my residence for five years..I have explained to XXXX XXXX and Jefferson Capitol system that this is a fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TCF NATIONAL BANK
State: MD
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:
The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: JPMORGAN CHASE & CO.
State: CO
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:
My Chase Visa card XXXX had a fraudulent charge of {$190.00} from XXXX XXXX XXXX on XXXX-2019. I reported it to Chase and Chase falsely claimed to investigate the charge but refused to correct it. I paid the balance due and Chase closed the account. The merchant later corrected the fraudulent charge and credited the {$190.00} to my closed Visa account. The closed account now has a credit balance but Chase has not refunded the credit balance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: MD
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:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: CT
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 requested and investigation on XX/XX/2020 and i have not received any update or respond from this company, they basically refuse to investigate. 
follow up letters was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
this company have no done any investigation, inaccurate information keep been reporting in m y credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: DE
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 went and checked my credit and someone has been using my credit with credit cards and loans

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 2023-01-10
Company: EQUIFAX, INC.
State: IL
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 company is defamation of character and doing illegal things on my credit report. The cares act simple says they can not post any late payments on my credit report yet they are breaking the law. My credit report should not have any late payments during this pandemic. UPDATE ALL ACCOUNTS " including XXXX '' TO PAID AS AGREED NO LATE PAYMENTS SEC. 4021. CREDIT PROTECTION DURING COVID19.

Company response to consumer: Closed with explanation