BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 a garnishment levy was placed at Bank of America and a hold was placed on my personal checking and savings account. On that same day a " judgement debtors claim for exemption '' was filed in the 11th judicial circuit court, XXXX, MO and delivered to my local branch of Bank of America. Bank of America staff accepted but refused to honor said filing. They submitted it up the corporate pathways and told me each day that it was being processed. No one would let me communicate with the legal department, nor did they ask for more information. I also talked multiple times with the Law Firm holding the garnishment and they informed me that I filed correctly and presented correctly to the bank. On XX/XX/2016 the Law Firm holding the garnishment fully released the garnishment and faxed multiple locations of Bank of America, including my local branch, the legal department, the XXXX, MO branch and another department ( unnamed ). When I presented in person back to my branch in XXXX, MO after speaking multiple times to the customer service line, I was informed ( as they held both copies of both legal documents ) that the matter would have to be processed until XXXX at night when I then could call to have my problem " escalated '' which would give me my funds no sooner than the following XX/XX/2016. 
The law states I should have had my money released immediately a week ago.

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 2016-08-04
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from XXXX XXXX XXXX XXXX, regarding a student loan that is owed by my daughter. The collector was screaming at me, telling me I am a loser and I should have never procreated children if they ca n't pay their bills. That my children are clearly losers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THE REPORT. 
I AM A VICTI OF IDETITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISION 'S IDENTITY AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Exeter Finance Corp.
State: WI
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:
I do not recognize this company and is on my report twice within to month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} TransUnion : XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00}

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 2021-04-22
Company: BSI Financial 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:
During Covid times, I was given a forbearance from XXXX until XXXX of 2020. I was then modified and told that during the forbearance /modification " NOLATES will be reported '' This was reported and all of my credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: Professional Recovery Management
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid the debt collection and wo n't take it off my credit. Holding potential for credit score to be higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: NC
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:
Experian is not reflecting my 'correct ' credit score I was the victim of identity theft that nearly bankrupted me back in on or about XXXX of this year. 

I complied with all the steps given here at your site for victims and yet ended up having to file complaints with the FTC as well as the FDIC. 

When applying for a reapproved CC they emailed me with my Experian Credit Score which is more than XXXX and XXXX points lower than it is showing on the Experian Site. 

I am without any doubt this is a continuation of my identity theft. 

I am requesting that Experian correct this info immediately.

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 2022-05-13
Company: EQUIFAX, INC.
State: PA
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:
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. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to UPDATE immediately : XXXX : XXXX XXXX XXXX Balance : {$260.00} Equifax XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} XXXX : XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received written verification of a debt from I.Q. Data Informational, Inc. I would like a letter sent to me to verify this debt from 2011. I did n't even find out about this debt until this year. I 'm also extremely frustrated that there is NO way of finding there contact information on the internet ANYWHERE. How am I supposed to pay a debt to a seemingly invisible debt collector?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a deposit of {$1000.00} go through this morning at XXXX AM. I went to go use my card in the morning and it said declined tried again same thing. When I got to work I called my local branch they said that there may be a soft hold on it in fraud department and to call customer service. After spending over XXXX hours on hold Im being transferred I finally got a hold of the fraud department. They stated that they could give no further information and the car would be disconnected and hung up on me this happened twice in the matter of XXXX hours. I went into the local branch in person to verify my identity and to see what was going on. They allowed me to call from their phone in hopes to get a hold of the fraud department sooner. They didnt fact answer in that department however I received the same treatment your account is being referred to be closed we have no further information and this call will be disconnected and hung up on me. Ive looked at my account and theres no fraudulent activity, I have verified all my identification over the phone and in person multiple times today. I just called customer service again this gentleman did not hang up on me but he did say it was referred to be closed as of yesterday and a letter was sent yesterday. So if thats the case then why did my XXXX dollar deposit go through today. Now they account Is being referred to be closed and no withdraws or deposits can be made you know of course other than the XXXX dollar deposit they allowed to go in this morning. I have no access to that money no gas in my car no groceries, and I was told the letter would be sent to me and then there was no way I could get that money out in the bank and take 30 to 60 days to actually close the account at which at the end of the 60 days a check will be mailed to me for that amount {$1000.00}. I dont understand why this is happening as no one can tell me in person or on the phone and I need my money. This is very frustrating especially this time of year.

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 2021-12-23
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 do have any contracts with this company. The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
I have also sent letters to Experian over 30 days ago and have not received a reply or response. 
I have spoke to an agent and I was told that these items would be removed from my consumer report immediately and they still remain on my consumer report. This company has violated my right to privacy and multiple other violations. 

I am protected by the ( FCRA ) Fair Credit Reporting Act ( Right to Privacy as a consumer ) 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave this company any written consent to report or furnish anything to my consumer report. 

15 USC 1692- I am the consumer and the original creditor I am not obligated to pay any debt, I do not owe any debt 15 USC 1681 ( a ) ( e ) - States that you have to interview my family, my neighbors, or any of my associates to verify any account on my consumer report which this company did not do 15 USC 1681e ( b ) - You shall follow reasonable procedures to assure maximum possible accuracy of the information on my report. 

They have not complied which is another violation of 15 USC 1681n ( a ) ( 1 ) ( a ) which makes them liable in the sum of up to {$1000.00} for each damage you are causing in my life pertaining to my consumer report Any person or company gaining or gathering information from a consumer pertains their consumer report is doing fraudulent business and can get prison time and anyone involve with another company other than the consumer Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

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 2022-05-13
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2021-12-23
Company: Netspend Corporation
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have had a XXXX  account since XX/XX/2019. I don't use the account much. I have had my purse and phone w I'd and cards stolen 2 times this year I have not had but a small amount of $ deposited into this account I finally was able to download some of the statements. They do not coincide w my memories and records.i also have a PayPal account that I haven't used in ove s year they are holding my $ for 180 then said they would email me with instructions on how to get it back. I haven't recieved any unemployment stimulus or aid. Please help.

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 2015-04-05
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
on XXXX XX/XX/2015, i have noticed that American Express has been reporting inaccurate billing information on my credit report. I am disputing a amount of XXXX, the company is reporting 30-90 days late on my credit report for which I have no knowledge of. I have contacted the company and the company is still reporting a balance that is under investigation. By law the company is not suppose to report a dispute amount on a person credit report untill the investigation is fully been resolved. The company did not address the problem. I told this company that I have no knowledge of the balance and no knowlegde of where they are collecting a payment from. I told american Express that I do have a fraud alert on my credit report and that the company should have called me, but the number that the company provided does not match the number as of now. This company had someone to open an account in my name and is affecting my credit negatively. This company is engaging in identity theft and fraud. I am asking this company to stop reporting negatively on my credit report untill the disputed amount is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
I have/had a credit card with American Express for a long time. They bill me using my email address. They changed something and the bills went into my trash and I did not see them. After two month they called about the bill and I paid the bill at the same time they wanted a additional XXXX dollars for me t to keep the credit card when they are offering the same card for free. I declined the XXXX dollar fee and elected to discontinue. I had many years of points ( which are like money ) which after XXXX or XXXX customer service representatives telling me I could get them finally said I could not get them because I was behind in my payments which was their fault. What can I do to get my points?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: 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. The last letter sent to XXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently received a response from lender regarding an application for a workout option to keep my home. I was only given an option to sell. I did not get a response for any other workout options nor did they give me the reason why I was denied for the other options. This notice was mailed out to me after a month from the date of the letter. I did not have any rights to appeal either. My current rate is over 8 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX XXXX was included in the bankruptcy which was discharged XXXX XXXX, 2015 case # XXXX. The loan should be removed immediately. This bad credit reporting has resulted in dropping my score XXXX points and is ruining my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: SC
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that are not mines. this info is fraud and i ant it investigated and removed from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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:
XXXX XXXX, 2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XXXX XXXX 2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.

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