BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: LA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge differenceXXXX XXXX  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: SYNCHRONY FINANCIAL
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:
My Synchrony Bank/Chevron  credit card was charge-off on XXXX, I never received a collection call either a letter about collection activity for this account. The account shows a balance for {$1800.00} on my credit report, so I called Synchrony Bank and asked the best way to resolve this matter. I was informed the bank issued an IRS 1099-C form on XX/XX/XXXX and they disclosed the account is not longer in collections, the bank is not collecting the balance and the debt was cancelled due to a 1099-C tax form and I can't make payments on the account. Since the account was cancelled, it should report {$0.00} balance on my credit report but it still reporting the original forgiven balance of {$1800.00}.

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 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I contacted Bank of America to report fraudulent transactions that were charged to our account and I waited over XXXX hours on hold and nobody answered the phone- I was on hold for an indefinitely. The next day I sent an email to XXXX XXXX, Vice President of Bank of America Small Business, and he did not respond to my email. I sent two more subsequent emails on Monday, XX/XX/XXXX ( three total ) to XXXX XXXX explaining that we have fraudulent charges on our account and that our card is compromised, with new fraudulent charges hitting our account almost daily, but nobody from Bank of America was responding so we could not close our account to stop these charges from occurring. He ignored all three emails submitted. I then called him XXXX times on his office number and he did not respond to those calls either. I called the main XXXX Department phone number again on Monday XX/XX/XXXX to try and report this same issue, but nobody picked up after XXXX minutes on hold ( having been on hold already for XXXX hours on XX/XX/XXXX ). 

Bank of America 's non responsiveness is directly affecting our account and they are perpetuating the fraud which is plaguing our account by failing to take action - or even respond to - our fraud complaints.

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 2018-12-27
Company: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Account Control Technology has been harrassing me, calling my cell phone repeatedly five times in a row, calling my co-workers, my neighbor, and my brother-in-law. This is just so far 2 days into this problem. It is regarding my student loans. I fear my job and reputation are being put in jeopardy by this ridiculous abusive behavior.

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 2023-02-11
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
I had XXXX in CD  at my credit union that I opened up on XX/XX/XXXX for a term of three years. I was so busy this past month that I forgot about the cd is maturing on XX/XX/XXXX. The credit union didn't send me a reminder that my cd is maturing. They automatically renewed my cd for a term of three years at 3.2 %. When I tried to change the term of the cd to a shorter period, the credit union said they'll penalize me with 180 days worth of interest or about {$3800.00}. Is that legal? Other banks or credit unions will forfeit the interest from the the time the cd was opened to the time the term of the cd is changed. Please help. Thank you.

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 2021-03-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My XXXX XXXX XXXX loan for {$15000.00} has not been reported properly. My XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2020 missed/late payments were due to the pandemic and my account should be updated as such.

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 2023-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I, XXXX XXXX XXXX, really need help to receive a provisional credit adjustment to my Bank of America EDD card account that should have been standard issue for all transaction disputes that are really transactions in the history. I really did not authorize these transactions to XXXX XXXX in the past XXXX claim and XXXX transaction already went through and that resolved with the provisional credit and economic hardship explanation it was resolved I got the adjustment of credit of {$800.00} already. I have an active claim with Bank of America prepaid EDD card service center claims department disputing to transactions. I need help with to receive a provisional credit that should have been given with economic hardship escalation and it was denied the provisional credit and the economic hardship especially during this time period of urgent proclamations for support in the United States and I'm in XXXX. I would like you to promote provisional credits for a distribute transaction claims if a Bank of America throughout the United States.

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 2020-01-16
Company: PNC Bank N.A.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$71.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/ I sent a payment of {$2300.00} for a laptop. The laptop model was a XXXX. Instead of being shipped the laptop, I was sent an empty sealed box through USPS. When I reached out to the merchant for a refund, he blocked me. He did not give any explanations for his actions, because he purposely defrauded me and my money. 

I opened a chargeback claim with Chase bank. They gave me provisional credits for the past month, but they sent me a letter today notifying me that my provisional credits will be reversed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2023, to remove these items : XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: CA
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 XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 
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 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 2022-02-23
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
What happened? 
I was steered into a prolonged period of general forbearance by my loan servicer ( XXXX ) from XX/XX/XXXX through XX/XX/XXXX. I had a baby in XXXX and my husband stayed home not working during this time. I was not on nor was I told about any income driven repayment plan. The result is that I lost over 36 months of eligibility toward Public Service Loan Forgiveness during this time because of this bad advice. I should be eligible for loan forgiveness now, since I have been repaying my loans since XX/XX/XXXX, but I may not have enough payments because of this bad advice to stay in a prolonged forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX WALMART KOHLS AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND XXXX XXXX  I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$1500.00} 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 non-monetary relief
Consumer complaint received 2022-02-23
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: Old information reappears or never goes away

Complaint:
I am applying to start my life over again and I am being haunted by misinformation on my credit report in the public information section. In 2011 my bankruptcy was finalized and though the dates and account # XXXX remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been XXXX years and most of those accounts have not been touched for XXXX plus years. Please ask Experian, XXXX and XXXX to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the public records section and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer 11 years over Chapter XXXX! please! Please XXXX XXXX XXXX XXXX remove it please. Let me buy my house and, move on with my life. My children need a home.

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