BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that Bank of America with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 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 non-monetary relief
Consumer complaint received 2022-09-28
Company: AES/PHEAA
State: TX
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:
I contacted XXXX XXXX XXXX  to ask about a payment transcript they sent to me after my loans were taken out of default due to my paying the loans through a bankruptcy. I asked why the payment transcript showed that my payments made during the pandemic had been reversed back to me, but I never received them. The Customer Service rep told me that they had reversed my interest on the loan due to the COVID forbearance, but not the actual payment. I asked for a record or statement of this to be sent to me in writing. However, I never received anything in writing from the company after receiving the initial transcript. The next time I called I was told to contact FedLoan Servicing as my loan had been transferred to that company. 
On my first contact with FedLoan Servicing, I was told that my account had been transferred & that I was eligible for the refund of payments made during the COVID forbearance. The agent took my information & told me a check would be sent to me in the mail. After over 6 weeks of waiting for the refund, I called again & was told I didnt qualify for the COVID forbearance because of the type of loan I had. I asked why did my original loan servicer, XXXX, send me a transcript with COVID forbearance written all over it, but could not get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Chase Sapphire Credit Card and received an adverse action letter date XX/XX/XXXX. I also applied for the Chase business card back in XX/XX/XXXX. First, I sent a letter in regards to the adverse action and received no response. I then called Chase today, XX/XX/XXXX, and spoke with XXXX and XXXX. XXXX is the Supervisor for Customer Relations. I asked XXXX to let me know what laws and procedures were followed in order to come to the determination of my application and XXXX didn't know so she stated that the decision was based off of what was in my " credit report. '' I then asked her to provide me with the subsection that was used so that I can study it for myself. I also asked for her to provide me with the law that says I have to abide by the credit score/information that they choose to use or that the transaction even needed to be reported. She did not have an answer so I told her that the CFPB states credit reporting is OPTIONAL. She stated that she can review the application based on the credit report in 30 days or she can transfer me to escalations so I was then transferred to XXXX. I then asked XXXX all of the same questions that I asked XXXX. XXXX stated that they follow all laws and regulations but could not provide me with the specifics. He then said Chase has the right to approve or deny any application. I told him that he can not deny me my right to credit then I directed him to 15 usc 1602f and 15 usc 1602p. I told him that I can't be discriminated against for exercising my rights. He said again Chase has the right to do so. XXXX was acting as an authorized rep for Chase and He, along with Chase are now held liable for discriminating against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am an international student with valid status and XXXX form my school. For unknown reasons ( probably being a citizen of those sanctioned countries ), Bank of America closed my credit line and blocked my checking and savings account. Bank of america already had my XXXX, passport, visa and drivers license documents on their file. Closure of my credit line has affected my credit score adversely.

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 2022-12-10
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am trying to buy a home. 
Navient has been reporting my Student Loans as in default, even though my account has been transferred over to XXXX for around a year now. This has tanked my credit score and possibly made it impossible for me to purchase a home OR rent. They have not responded to my complaints or requests to fix this issue. I will resume calling on Monday ( XX/XX/22 ) to see if this gets rectified. Hopefully we will not lose out on this home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Monterey Collections for XXXX XXXX, continues to add fraudulent information to my credit report. My husband and I paid the debt we owed jointly. They took it off of his credit report and added it to my credit report. I have proof that the debt has been paid and the information was to be removed from my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
I am submitting this CFPB Complaint requesting that the Credit Bureaus to remove the previously disputed items that are being reported on my Credit File. These accounts are unknown to me. Also, the information that some Credit Bureaus provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, please remove the disputed accounts and inquiries completely from my Credit File. 

XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$55.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRUIST FINANCIAL CORPORATION
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:
Due to my identity previously being stolen fraudulent accounts periodically appear on my credit report. The account is fraudulent.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  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 2023-03-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Hello, I am calling in regards to the debt that you are attempting to collect from me. I believe that there may be a case of mistaken identity, as the debt does not belong to me. 

I have been receiving calls from you XXXX, and I am aware that you have been calling my family, friends, and workplace as well. This is causing me a great deal of stress and anxiety, and it is affecting my personal and professional life. I understand that you may be trying to collect a debt, but this constant harassment is unacceptable. 

I would like to request that you provide me with information about the debt, including the original creditor and the amount owed. I also request that you send me a validation notice that verifies the debt is mine, as I dispute its validity. I need this information to resolve the matter as soon as possible. 

And remove it of my credit Furthermore, I want to make it clear that you are not allowed to call me or my family, friends, or workplace anymore. I know my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I know that it is illegal for you to harass or abuse me in any way. If you continue to call me or anyone else, I will file a complaint with the Consumer Financial Protection Bureau and take legal action if necessary. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: MD
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$410.00} XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3100.00} XXXX  XXXX XXXXBalance : {$440.00} XXXX XXXXBalance : {$0.00} XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Self Financial Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XX/XX/XXXX {$130.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: NJ
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:
The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MD
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:
XXXX 's XXXX XXXX. {$5800.00} I have no knowledge who this is or why it's even reporting on my credit. I have asked several times to provide a validation or verification and my request hasn't been honored. 
XXXX XXXX XXXX. {$290.00} I have no knowledge of this account or the original creditor. I did not agree to do business with this company. 
US Department OF Education {$1500.00}, {$1500.00}, {$2100.00}. 
I have no knowledge of this account or ever doing business with this company or person. The debt never was validated or verified. I have never received any thing from this company nor have I released my authorization for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2002 I received a notification that a collection account had been added to my credit report. The company is Credit Management LP and according to my credit report, the alleged company they are collecting on behalf of is XXXX. The alleged debt amount is {$490.00}. Over the past 12 months, this account has appeared on my credit report under several collection companies, including XXXX  XXXX, XXXX XXXX and XXXX XXXX XXXX. It appears that these are some sort of junk debt buyers, and each time that I request debt validation they were unable to verify the account as belonging to me and subsequently deleted the accounts from my credit reports. I have contacted XXXX several times regarding this, but apparently this error has not been fixed. I filed a complaint against XXXX with my Attorney General and the FCC regarding this matter. Furthermore, as far as this Credit Management LP account listed on my credit report, they have violated the Fair Credit Reporting Act by placing this erroneous, frivolous account on my credit report. I did not receive notice via mail regarding this account before it was placed on my credit report, nor did they provide validation of the account. So again, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Credit Management LP offices provide me with competent evidence that I have any legal obligation to pay them. At this time I will also inform Credit Management LP that if their office continues to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if this negative mark continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and XXXX for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX - XXXX scam payment was made XX/XX/XXXX - Filed dispute with bank XXXX Letter from bank received stating no action will be taken however this was not reviewed or discussed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX on my pnc checking account, there was a charge for {$68.00} to XXXX  XXXX  that overdrew my bank account by {$46.00}. Later that day I made a {$50.00} transfer from my savings account that put my account back into the positives at {$3.00} and pnc bank charged an overdraft fee anyways even though their policy states that if the account is brought back to positives by the end of the day, no fee will be charged. They refused to refund the fee. 
From XXXX to current day, the account accumulated XXXX overdraft fees totaling at {$3600.00}, that would not have happened if that {$36.00} fee would have been removed. If that one fee on XX/XX/XXXX was refunded, and my account balance was adjusted correctly, XXXX of those fees equaling {$3600.00} would never have happened. 
They did agree to refund XXXX of the overdraft fees totaling at {$460.00} on XX/XX/2022. However they refuse to refund the remaining XXXX fees equaling {$3100.00}. 
We are somehow expected to feed our XXXX children and pay all our bills with no money because the bank refuses to correct an error. 

When I first opened my account, the overdraft policy was never explained to me. I signed their overdraft policy thinking it meant it would protect you from overdrafting your account but it wasnt until last week when an employee explained it to me that it does the opposite. 

We are trying to get our finances straightened out and its really hard to do when the bank took all our money.

Company response to consumer: Closed with monetary relief