BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX : 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. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-31
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I logged into my Navient web account for Federal Loans and made a small payment due XX/XX/2022. At this time, I received a message that I need to update my account information. For some reason my " cell phone number '' was " removed/invalid '' and completely missing. However, it was there the last time I logged into my Navient web account. I received calls last week FROM NAVIENT TO my cell number XXXX. Again, I did received calls FROM Navient last week at XXXX. I returned the call " outgoing '' to Navient on XX/XX/2022 ( see image snapshots of the truth of my words to this complaint ). This is indicated in my last CFPB concern, which is documented. Therefore, sometime between XX/XX/XXXX and XX/XX/XXXX someone removed my cell phone number from my Navient web account. I have had the same cell phone number for years. Per the legal agreement between Navient and I, I am to keep all contact information current, and it was until it was removed by someone else, other than me. My street address, email address, and cell phone number have not changed. I am documenting that someone removed my cell phone number from my Navient web account. I have been complying by keeping all contact information correct and current. My cell phone number was removed in the period of XX/XX/2022 to XX/XX/2022. Please review the image snapshots for validation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2022-07-31
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON TRANSUNION AND XXXX. XXXX REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. TRANSUNION HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES XXXX. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. XXXX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - XXXX MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. tRANSUNION HAS NEVER INVESTIGATED THIS ITEM. XXXX HAS NEVER INVESTIGATED THIS ITEM. XXXX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, XXXX XXXX XX/XX/XXXX AND XXXX REPORTS POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE 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 non-monetary relief
Consumer complaint received 2023-03-12
Company: AMERIS BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my private trust on XX/XX/2023 at Ameris Bank XXXX Georgia its was Approved threw the legal department the account opened for two days I Simple went to the bank to ask question upon ach transfer when banker XXXX XXXX and manager XXXX got in their personal feeling And closed my trust account my business checking and saving accounts saying my trust document was no longer correct when it was just approved threw the legal department they are in breach of their fiduciary responsibilities as trustee for the XXXX XXXX XXXX XXXX I would like the fdic XXXX XXXX XXXX XXXX XXXX dollars released for the use of my private property my XXXXsn my id ect inside my agreement I will prove I deposited my source data which is priceless and a asset to my estate I want XXXX and XXXX removed from banking they are incompetent and misinformed on bank operations and they are injuring and breaching trust agreements which results in jail time or fine. I demand the release of all equity interest securities and assets being withheld in escrow on the principals behalf you have seventy two hours to respond in writing to XXXX XXXX XXXX XXXX fl XXXX or email XXXX all rights reserved ucc1-308 18 usc 8 all obligations and debt is off the United States I am a informed consumer advocate and will like remedy without recourse. If you have any questions please seek advice By : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   XXXX     30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2022-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX I received text and a phone call from a number with Bank of America logo. I was asked by a man who claimed to work for BofA if I authorized a {$3500.00} XXXX transfer. I was confused as I never have used XXXX and did not know anyone had the ability to access my bank information to start a transaction. I was told that in order to stop this transaction I would have to go into my XXXX account and send the money back to myself. This sounded strange but I was confused and did not want my money taken. In the end, the BofA imposter defrauded me of {$3500.00} of my money. I went to the Bank of America ( located in XXXX, N ) Y the next morning and spoke to a representative who called the fraud department by phone. I relayed the exact circumstances and provided text and phone numbers from the transaction. It was suggested that I make a police report, which I did following my visit to the bank. I received a letter from BofA on XX/XX/2022 stating that they would not approve the claim and credit my account. They said I should try to contact the person who took my money so I could retrieve it. I called the number provided on the letter and spoke to a representative. I told them that according to Regulation E, part of the Federal Electronic Fund Transfer Act, banks are required to refund consumers for fraudulent transactions on their accounts. The directive also states that the law applies " If a third party fraudulently induces a consumer into sharing account access information '', which is what happened in me. The representative told me they would look into it further and get back to me. On XX/XX/XXXX I received another letter that was identical to the first letter denying my claim. I recently spoke to a lawyer who stated that the law is on my side and that Bank of America is required to credit {$3500.00} to my account.

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 2019-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Complaint against JP Morgan Chase - On XX/XX/XXXX, I opened an account with Chase however prior to having an ability to fund the account, it was closed on XX/XX/XXXX without notice. I found it odd and just took my business else where. 

However fast forward, my entire family open accounts two weeks ago with Chase without issues until today. 

On XX/XX/XXXX - Today I was told that I was not able to open an account with Chase due to an account closer on XX/XX/XXXX. When I questioned why was the account closed in XX/XX/XXXX and why am I restricted from Chase, they could not give me a answer why. 

Customer service said they would not have originally opened my account if was a credit issue and I never had a chance to fund the account. This leads me to believe I am being un-rightfully targeted for another reason. I would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: NY
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 34 days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 34 days gives a reason to immediately remove those items from my credit report. It has been over 34 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-08
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account sent to collections that I do not recognize, and I received no written notice of this debt. I can not verify I owe the money, and all my other accounts are in excellent standing, this makes no sense. 

The account is with " RMP Services '' and the amount is {$740.00}. Again, this is not mine, and I have never heard of them, nor do I have any delinquent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: PA
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, 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile I found inaccurate remark on my report that I want to remove from my credit report 1.XXXX  XXXX  the remark states that the account is a charge off. I am following up to get this corrected and classified as paid off. 

Also I need a conformation that are no freezes or alerts that on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

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 2020-01-18
Company: ECMC GROUP, INC.
State: VT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a student loan account in delinquency. It was obtained by Educational Credit Management Corp ( ECMC ) in XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. ) While I was paying on my student loan prior to this acquisition, I was unable to pay during a period of time when ECMC owned the loan. 

They've subsequently reported this as 14 separate delinquencies on my credit report. Some of these delinquencies are as small as {$160.00}, and could have easily been paid in full. However, I was not given the option to pay 14 smaller debts. Only one large and unmanageable payment. 

In XXXX, I successfully refinanced this student loan. I've made payments on time 100 % of the time, using the income driven option to make it manageable. It took quite some investigation to even find the loan, as ECMC did very little to communicate with me or help me get back on track. 

In trying to obtain a mortgage, I disputed the 14 delinquencies with all three credit bureaus, hoping it could be listed as one debt. I agree that lenders should know about this default, and I understand that student loans are sometimes broken into years or semesters, but 14 exceeds both these numbers. I can not wait seven years for that many negative marks to fall off my report.

In response, ECMC reported 14 XXXX dollar, refinanced debts as STILL in collections for XXXX, XXXX and XXXX, XXXX. ( It was listed as closed XXXX, XXXX before I filed the dispute. ) In response to my request, they added more incorrect information to my report, making it nearly impossible for me to obtain credit. ( It seemed almost like retaliation. ) If they don't own the debt anymore and were paid by a refinance, can they still list it as " in collections '' or " charged off? '' I've contacted ECMC as well. I can not redispute the details with XXXX  ( who listed this change first ), because I've already filed the initial dispute, and I'm not sure I have any recourse with the other agencies if it is similarly reported in this inaccurate way. 

Please help. I'm not sure who else to turn to ... 

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 2017-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX   XXXX   XXXX     I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that I 'm late payment for the account that Credit reporting have listed on my 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
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Debt Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C.1681 Section 602 A. States that 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 an 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 non-monetary relief
Consumer complaint received 2022-07-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a student loan with XXXX XXXX back in 2003 for {$10000.00}. The loan was sold as years went by to Navient. I have been paying this loan since 2003 and it seems I have more than paid off this loan but still have a balance per Navient. 

I have been receiving calls at my home and work outside normal business hours ( they were not given permission to call my work as this jeopardizes my job ). 

I am now getting tons of past due letters as I have ceased to pay any more. It seems my payments were not being applied or were miss-applied and then late fees were applied. This is disappointing and confusing, and I wish for the balance they are saying I owe be cancelled and my account brought current with zero balance as I have added up over the years and have more that paid back this loan. In fact, it looks like Navient owes me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: LA
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:
After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  XXXX  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX  Enhanced a Recovery #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from 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