BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XX/XX/XXXX Transunion, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.

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 2021-05-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This XXXX MC account was originally with XXXX XXXX  and was always reflected as in GOOD STANDING from opening account date in XX/XX/XXXX. Upon the taking over of XXXX XXXX  by CBNA in XXXX, I was informed VIA the credit bureaus on my credit profile that this previously OPEN and in GOOD STANDING account was NOW reporting by CBNA as CLOSED and ACCOUNT INCLUDED IN BANKRUPTCY. Up until XX/XX/XXXX I was STILL USING MY XXXX XXXX XXXX CARD WITH NO PROBLEM. 

I have NEVER had a XXXX MC with XXXX  OR CBNA INCLUDED IN ANY BANKRUPTCY. So either this is fraudulent activity or CBNA is continuing to be allowed to REPORT INACCURATE FALSE INFORMATION with no recourse. I have tried on MANY failed attempts to get this investigated and resolved and have received NO HELP from XXXX or CBNA on the INACCURACY OF WHAT IS REPORTING. As a result of this my credit has been damaged and I have been denied additional credit opportunities. XXXX  continues to report INACCURATE information as VERIFIED. 

How can a company acquire a new XXXX account and be allowed to FALSELY MARK ( at will ) a GOOD STANDING account as now DEROGATORY and INCLUDED IN A BANKRUPTCY upon acquisition? 

I am seeking assistance on getting this matter resolved and this inaccurate account information DELETED immediately from my XXXX  credit profile. I don't mind the account being listed as closed since new ownership ( the damaged is done ), but would like my ACCURATE GOOD STANDING account information since XXXX to remain if possible. 

Your assistance in this matter is greatly appreciated.

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 2019-04-16
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

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 2017-06-07
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last month my acco unt with First Progress wa s frozen due to my mail being returned back to them because the post office placed my mail in the wrong mail box. Because of this my account was frozen and I was unable to make a payment on my account until they resolved issue and unfroze account. Once they unfroze account I made a payment but it was already to late they reported my account late to credit bureaus. I called and spoke to customer service and they told me to write a letter in to correspondence office and they would take care of issue. So I did that but correspondence office says it is not their fault so they will not remove. The issue is not my fault either because FIRST PROGRESS froze my account I couldnt make payment. How is that my fault? They should not have froze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are reporting inaccurate and incomplete information on my credit report. The notation of the late payment on my XXXX XXXX account is inaccurate. By the provisions of the consumer protection laws, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. Also, I have attached a letter from XXXX XXXX to this dispute stating that this account was always paid on time and in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

This debt is over the statute of limitations in the state of Texas, which is 4 years. This company is violating the laws in the state of Tecas by attempting to collect this debt. 

Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
In XX/XX/2022, I requested an investigation with the credit bureau due to a bankruptcy being reported on my credit file. In XX/XX/2022, I was notified that XXXX  bankruptcy was considered accurate. I then contacted the US bankruptcy court regarding this issue and was told they have not verified and do not ever verify debts with the credit bureau. So, if this is XXXX  case, how did the credit bureau edify that the information reporting on my file is 100 % accurate. They never did a fair investigation according to the 15U.S.C 1681. 15.U.S.C 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such reporting information shall not include specific factual information on a consumer 's credit record obtained directly from the creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureau violated my given rights under 15 USC 1681 According to 15 USC section 602A I have a right to privacy According to 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting wit the person knows or has reasonable cause to believe that the information is inaccurate.

Im response to the previous dispute, Lexis Nexis has not contacted me via email, by phone or mail as stated in their response. I have provided all necessary documents requested in the response. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: SLM CORPORATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, Sallie Mae Bank reported 2 of my accounts as 60 days delinquent, thus creating a derogatory remark on my credit report. However, on XX/XX/2022, both accounts were made current prior to the 60 day late mark of XX/XX/XXXX. I have payment confirmation for both accounts proving the validity of accounts being current at that time. I have reached out to Sallie Mae Credit Reporting branch directly via mail and disputed twice on XXXX Dispute Center to get these remarks taken off. Sallie Mae is not approving the dispute and I am very frustrated with their practice in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Central States Recovery, Inc.
State: KS
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 pulled my credit report for all three companies, I 'm in the process of purchasing a home. And I have this collection on my credit that is reporting inaccurately. 
First-I do n't know who this collection company is, i have never received paperwork from them. I tried to call them and I get push back, stating that the account is paid so I do n't need to worry about it. 
Second-it 's reporting differently on two credit reports-On XXXX XXXX, I get the full information regarding the account and on XXXX-I get very little. I do n't even get the company name on XXXX!! I have attach a copy of the collection summary for XXXX XXXX and for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom May Concern, This is XXXX XXXX XXXX. I have been a client of Bank of American since year XXXX. I have checking, saving and 2 credit cards account with BOA. 
In XX/XX/XXXX, BOA decided to closed all of my account without explain the reason. I never overdraft and I always make payment on time. 
I doubt the reason they close my account and refuse to open a new account for me. 
I hope you will be able to help me out. 
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 2017-06-07
Company: Experian Information Solutions Inc.
State: AZ
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 have a charged off account with XXXX XXXX XXXX. XXXX XXXX XXXX has been inaccurately reporting on my credit report as they have sold the account to XXXX XXXX XXXX. I receive mail from XXXX XXXX XXXX  attempting to collect on the debt as well as a letter from XXXX XXXX XXXX regarding my XXXX XXXX XXXX account dated XXXX X,2017. When I contact XXXX XXXX XXXX they can not assist me with my account, so why are they still reporting on my credit report even though they no longer have my account to resolve.

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 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: OH
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 says they need more info to generate a FICO score, even though I got a secured card from XXXX XXXX. I talked to XXXX XXXX. They never heard of Experian doing this before. Experian 's partner orgs keep sending offers for $ XXXX, 24.9 % or higher cards to " help me build credit ''. I'm wondering if they would suddenly have enough information to generate a XXXX score if I took one of these offers and they got a XXXX XXXX  or referral fee out of the {$99.00} annual fee, ie pay- to- play. I can't prove it, but it looks predatory. Please look into 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 2021-07-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I applied for job on XXXX for an XXXX XXXX position for a school. The listing was taken off the website, so I figured someone took the position, however, a person named XXXX emailed me and said she would send my email to a partner for a XXXX XXXX job. The job described that I would be running personal errands and the money would be for donations ranging from foster care to invoices to colleagues. We exchange information and the partner of the school said I was to start the following week, which was the week of the XXXX of XXXX. On the XXXX, the first purchase was for a XXXX XXXX XXXX for XXXX, and yesterday for a XXXX money order which was split into 3 orders : 2 for {$1000.00}, 1 for XXXX. I got an inkling to check my bank account, only to see it was overdrawn. I called my bank and they notified me that the check bounced. I did further research to see if any other XXXX XXXX  jobs had the same format of wanting to have people be XXXX XXXX for approx, 30 hours per week and for a set price per week, and for helping donate to foster care systems, to which I found plenty. I also went ahead called the school district, XXXX XXXX XXXX to verify if they were the ones who hosted the job listing, to which it was verified they did not, but they did have it for a XXXX position which has already been filled. I went to the bank Friday with photocopy evidence of our exchange to show that I truly thought it was a legitimate job offer, and that I wouldn't deposit a fake check as a member who just got my account out of the negative due to being homeless and unemployed. My bank will not reverse the funds, even though the representative I spoke to Monday inspected the check, and a different representative I spoke to Friday stated that this was a " common thing '' that happens, which I found odd because why not place proper protocols for people who are innocent so they won't be at risk?? The money orders were sent to an address in XXXX, TX, which they may not be at anymore. They money orders also have serial numbers to the which I have, AND I sent an email to XXXX card balance right now, as well as forward emails of the listing and the exchanges. I've filed a police report, FTC, Internet crime report, USPS, the whole nine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Back in   XXXX   a traveling sales representative for  XXXX   XXXX   XXXX  sold me a vacuum. After paying for the product in full the representative returned to exchange the fully paid for vacuum with a newer model with  a two year warranty and a new payment plan without subtracting the cost of the original model I had already paid for. Eventually the newer model broke down after six months of purchase. Being well within warranty I called the representative, who explained to me he could do nothing about it and told me to call the company. I followed his advice and asked for the company 's number who eventually gave m e another number to call. I call that number and was given another number to call until I circled back around to being told to contact the company or representative. I called the company back hoping to get some answers to my many questions and despite letting them know my warranty was still good they refused to repair or replace my product. That was when I resorted to nearly begging them to honor my warranty to either repair or replace my vacuum which they refused. It was then when I said exactly " Please sir it 's no problem for me to continue my payments but I do n't think it 's fair that you 're having me pay for a broken product that you refuse to honor my warranty to repair or replace. '' Once more they refused, so I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation