BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2500.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/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 2021-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Consumer finance Protection Complaint against Bank of America about personal accounts of XXXX XXXX FACTS 1. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX personal account under XXXX & XXXX. 
2. Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX Personal account under numberXXXX & XXXX for Respondent Bank of America has a fraudulent charge with XXXX to Petitioner XXXX XXXX account under number XXXX & XXXX. 

3. I was granted credit on approximate dated XX/XX/XXXX, and 4. Subsequently, on XX/XX/XXXX, it was a reversal, and they made me paid fraudulent fee charges. 
5. I have a claim number and first my claim number XXXX and claim number XXXX 6. I filed a reconsideration on fraud and overdraft on the reversal on my credit to overturn. 
7. I did provide the letter of reconsideration via fax to Respondent BOA.

8. Respondent BOA made a misrepresentation or made false indigenous 9. They ( BOA ) never receive Petitioner 's reconsideration was never by fax. 
10.

11. Still, I have argued with the Respondent BOA did in received the reconsideration letter.

12. On XX/XX/XXXX, I re-fax of letter of reconsideration to the Respondent BOA all over again, and then I follower-up Respondent BOA on XX/XX/XXXX. 
13. Customer Services Representative First name as XXXX, and her ID is # XXXX answer my response on XX/XX/XXXX, at XXXX XXXX  14. She confirmed on XX/XX/XXXX, that the Respondent BOA was received by fax. 
15. XXXX informs me that the Respondent BOA denied my reconsideration. 
16. Furthermore, when I spoke to her, she was unprofessional, discourteous, and provide rude treatment towards me.

17. At approximately time XXXX XXXX, I filed an oral complaint with another Customer Services. The Customer Services was male and took down my complaint, and she did not have the right, and I part own the Company because I have stock shares on the corporation. 
18. He provides me with case number 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 monetary relief
Consumer complaint received 2023-08-07
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit card debt was already settled with Discover bank since XXXX of XXXX. However, it continues to negatively harm my credit score as " negative '' each and every month. ( See attachment below ). 

In spite of me producing a request for disclosure pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997, and pursuant to section 609 of the Fair Credit Reporting Act, Discover refuses to remove/delete it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, BANK OF AMERICA XXXX, BANK OF AMERICA XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. 

Please send me the results to the address listed above.

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 2022-07-20
Company: EQUIFAX, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$34000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: TN
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 noticed some discrepancies on my credit report in which i disputed it with the credit bureau XXXX, XXXX, and Experian. They made claim that the accounts are verified and left the accounts still reporting on my credit report. I asked " how did you verify the account? " they replied back with " we send an email to the collection agency and if they reply back it's yours then we take their word for it ''. Wait i thought you were suppose to have physical proof on files to verify the accounts in dispute. XXXX, XXXX And Experian made a comment and said of i want the physical proof i have to contact the creditor. That is not my job. That is yours to verify through PHYSICAL DOCUMENTS to ensure the accounts you are reporting are actual factual. Other wise anyone paying for your reporting services can mail fax email in a fraudulent account. I here by request XXXX, Experian and XXXX to verify through physical documentation the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. Please send to my physical address on file the actual proof you have in your files to prove these debts are mines. If you do not have physical documents on file please respond to this CFPB complaint stating such. I do believe no one is doing there jobs right and if i don't get the proof i need i will file a lawsuit against XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$34000.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00}

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 non-monetary relief
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Credit inquires I did not authorize and done without my 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 2018-05-18
Company: Navient Solutions, LLC.
State: FL
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:
I am a victim of navients tricks that CFPB is suing them for. I co-sign a student loan. Payments were set up for auto pay from checking account, Navient changed the amount of payment without notification. When payment was sent from bank it was rejected, because incorrect amount. This went on over six months. during this time Navient reported the account delinquent, which showed up own my credit report and affected my credit score. At this time I would like to be released from the loan as co-signee. I was told by Navient that the main borrow would have to file for me to be released. I have to way of getting on touch that person. At this time I am homeless and living in my car. I can't afford a place of my own. I just got a bankruptcy discharge in XX/XX/2018. which makes things much harder Especially getting a job or a place to live. With the student loan on my credit report makes it even harder, because it is over 11,000.00 dollars. I am one of those people that I never thought this would happen to me. I Will never help anyone ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: The Thomas Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I only became aware of this debt by looking at my credit report. When I contactacte d the Thomas Agency they informed me the debt was from Delorme whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted Delorme the original creditor they informed me that the debt was a debt owed by a former employer of mine (   XXXX   XXXX   XXXX   ) and that my previous boss had put me as the person of conta ct for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$770.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I ( XXXX XXXX ) changed banks from XXXX XXXX to XXXX XXXX. While i was doing this i set up with XXXX  a the new direct deposit to Selene Finance. The payment due on XX/XX/XXXX went through and then was kicked back due to lack of funding on my part ( i didnt realize this until today ), i had the money but unfortunately still had it in XXXX XXXX. I never received any letters from Selene that my payment was sent back due to lack of findings. Today XX/XX/18 I was looking through my bank statement and realized that the payment for XX/XX/XXXX was sent back, and decided to call Selene Finance to make the payment. After speaking with the first clerk i was told that they tried making the mortgage payment 3 times and my account was blocked. They said that i received letters in the mail the XX/XX/XXXX and the following days they tried making the payments. I have never received any letters, phone calls or e-mails stating that i missed any payments. The only solution they gave me was to send a money order to them for the next 6 months until the account gets unblocked. This is hard for me due to the amount of hours i work per week ( 60 ). i would like to get my account unblocked so i can continue with the regular direct deposit as i have been doing for the past 3 years. i feel that they should have notify me before blocking my direct deposit and having to making money orders to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 23 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Issue Paypal withholding refund by seller asked for this to be loaded like prior refunds over 10 years using this service issue 1 not resolved and asked for private details out of line with consumer rights to sign up issue 2 asked for bank details and that is already submitted to them - further notice for them to release money - granted to them this is criminal outlined in theft of money refunds or transfers to consumers - buyers issue 3 seller has notified the refund was supplied over within two months ago issue 4 all calls and emails are returned in failed sending to the company issue 5 all prior refunds hit the bank eg {$41.00} but over {$200.00} they are asking for transfer and or ID online - Federal governments are in compliance and this PAYPAL maybe subjected to fraudulent ongoing activities ... 
CUSTOMERS - BUYERS and perhaps sellers - BE careful I will be finding other services to get to the bottom of this theft of my hard earned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Dates 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 2019-04-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX never late

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