BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-17
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX, and I became an XXXX citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a minority group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I XXXX XXXX XXXX in a XXXX XXXX located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student  loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX , XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the minority status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX , XXXX. I have attached a copy of the repayment agreement with XXXX XXXX , XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX , XXXX.. I respectfully request the associates credit bureaus such as Experian, XXXX and XXXX XXXX to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.

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 2019-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The company XXXX XXXX XXXX continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. Transunion is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is white also filed bankruptcy with me and all items were fixed 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 2017-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am contacting regarding the following three cards from BofA : ( 1 ) XXXX There was a {$19.00} credit on my account before XX/XX/XXXX last year and the credit was gone after. A transaction named " CREDIT BALANCE REFUND DEBIT '' was posted on XX/XX/2016. I have no idea of what it is. I never requested for the refund ; I did not see where the refund went either. <P/>( 2 ) XXXX The customer service gave me wrong information about my autopay setup and it prevents me from calculating and meeting the spending request of the welcome offer. I was confirmed a few times by the customer service that I had set up autopay successfully. However, I have been charged late fee and interests multiple times after that. Though they agreed to waive those fees, the inconsistency confused me with the calculation of my spending amount in the given period specified by the welcome offer. I calculated using the payment amount with the assumption that the payment amount should equal to the spending amount ( as the customer representative told me that autopay 's been set up correctly. However, there is discrepancy between them for either the wrong info provided by the customer service or issues with BofA autopay system and hence the spending amount was calculated wrongly ( I missed by ~ {$20.00} ). After finding out this issue, I immediately filled up the difference by spending another {$40.00} in XX/XX/XXXX and tried to contacted BofA. I received a voicemail from BofA during the winter break when I went to another country. I tried to call back and left a voice message but never heard back. <P/>( 3 ) XXXX I should have received a companion pass after paying the annual fee. I did not get anything.

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 2020-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I called up my credit card issuer who is Bank of America to dispute a charge made on XX/XX/XXXX based on the fact that the merchant did not deliver said services according to what was promised as advertised. I had paid for XXXX XXXX XXXX for my fiance in XXXX for services in advance back in XX/XX/XXXX. According to the merchant, who is XXXX  XXXX XXXX located in XXXX, XXXX, I was promised for a XXXX XXXX XXXX XXXX XXXX XXXX package deal and had a contract signed by my fiance and the merchant which clearly mentioned that any XXXX XXXX XXXX sessions not used may be refunded. The technician working at the clinic, XXXX told my fiance that whatever sessions remained would be refunded and that she needed to clarify with the doctor to confirm this. After waiting several months we have yet to receive any clarity or answer or let alone a refund for the remaining laser hair removal sessions. This is when I decided to contact my credit card issuer on XX/XX/XXXX to dispute this promised refunded amount which came out to about 30 % of the total price paid in advance which came out to be {$440.00}. My credit card issuer then looked into the matter on XX/XX/XXXX when I spoke with XXXX at XXXX XXXX as she said to send in invoice showing proof of payment. I then get a denial letter on XX/XX/XXXX mentioning that the amount for the services was correctly billed. Again I had mentioned in my initial dispute call to Bank of America on XX/XX/XXXX that I was not promised the advertised services and was promised a credit refund to about 30 % of the total prepaid amount that I paid for the laser hair removal package which came out to be {$1400.00}. So 30 % of the remaining sessions that my fiance did not use would come out to a refund of {$440.00}. We contacted the merchant but they keep giving us the run around. I am attaching the contract that my fiance signed at the clinic and the invoice amount billed for {$1400.00}. I urge you look into this matter as we have exhausted all patience. Kind thanks.

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 2015-09-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The Macy 's online credit card access was unavailable for an extended period of time, so on XXXX XXXX, 2015, I stopped into a store to make a payment prior to the statement ending date of XXXX and a Macy 's store clerk misapplied the payment. To date I have made XXXX phone calls and been on hold for the most part, for a cumulative time of an hour and a half to get them to fix the account. At XXXX point in time, I was on hold for 10 minutes before I could speak to a human and then I was put on hold for another 20 minutes, finally hung up and called back. I was told XXXX times it would be fixed, only to have to call back again because it was n't. On XXXX I had to call XXXX different numbers and make XXXX phone calls to speak to someone in the XXXX. They finally fixed the misapplied payment on XXXX, however, I am still unable to use my card and am on hold on the phone as I type this out. I was on hold for 30 minutes and have been told that my card is now usable. I have n't checked my credit, but suspect that my scores are probably lower because the balance was at about 80 % due to the misapplied payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Markoff Law LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company, the XXXX XXXX XXXX and the XXXX XXXX XXXX letting them know my identity was stolen and this account was the result of Identity Theft. I received a Verification of Debt letter in the mail that was not signed by me and does not belong to me. This company is trying to collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, 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:
I recieve a alert from my credite product that i pay for ever month that a new account was reporting on my credite report. I look into it and this account showed up XXXX XXXX XXXX XXXX Account # XXXX and stated open Dtae XX/XX/XXXX for a amount of XXXX. I called in to XXXX and open a dispute on XX/XX/XXXX and came back verified on the XX/XX/XXXX so from what I see they didnt do anything to investergate now i want this account deleted from my account as soon as possible. I also have a problem with another account reporting wrong that account is XXXX XXXX XXXX account # XXXX this accont was not mines and reporting as charge off and 10 payment late and this is incorrect please have them to delete, Equifax is reporting Inquirier that are do to Fraud and they are XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, And XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2017 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 6

11 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i,
all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX, and I became an American citizen approximately 10-years ago. Being from the island of XXXX where I was born and raised, I came to America to better myself as a member of a XXXX  group. I started college back in 2007 to obtain a certification in the XXXX XXXX. Today I manage a XXXX   in a XXXX XXXX  located in XXXX, Massachusetts. Over the past two years I combined my student loans that equate to approximately {$46000.00}. This is equal to a little less than one-years salary. My goal is to pay off my student loans within 5-years with a great game plan. However, while I was in deferment in my student loans, I was never contacted by the Department of Education as to when payments should proceed. For several years I have not received any notices, nor was I ever called by the Department of Education. Recently, I started receiving notices from a qualified collection agency associated with the Department of Education called XXXX XXXX XXXX XXXX. I successfully changed the status of my student loans to a payment processing arrangement, and I believe that I should be eliminated from the Department of Education data-base. The Department of Education is complicit making me appear as a person trying to dodge paying on her student loans. I find this practice highly discriminatory against a person in the XXXX  status who was only trying to improve her position in society. The Department of Education should delete its credit reporting history on me completely and move it over to XXXX XXXX XXXX XXXX. I have attached a copy of the repayment agreement with XXXX XXXX XXXX XXXX, that I received after submitting proof of employment and monthly income. Otherwise, I am held in financial limbo while the Department of Education moves my files over to the new collection entity, and this will only hinder my progress on buying a home for my family. The Department of Education should either report the accounts as current or delete the payment histories altogether and move the files to the new agency known as XXXX XXXX XXXX XXXX I respectfully request the associates credit bureaus such as XXXX, XXXX  and Trans Union to see if my rights under the Fair Debt Collection Practices Act are being held to the standard guaranteed to me by legal recourse.

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 2015-08-17
Company: DISCOVER BANK
State: NE
Product: Credit card
Issue: Billing disputes

Complaint:
Here is the story all over again, as I recall it, XX/XX/2014, there were quite a few advertisements regarding business opportunities on t.v. XXXX in particular was of a mother who worked really hard and could not make ends meet with XXXX XXXX assistant she began to make thousands from home. I sent an email as the company provided their email address in the ad. I never received a response from the company that was doing the advertising. A short time period after that I received a call from a guy that claimed to be currently running the facility. He began to interview me stated that he had to verify that I met the criteria to be a part of such a lucrative business opportunity. He advised he had XXXX difference platforms ranging from XXXX to XXXX XXXX dollars. He stated if I purchased the XXXX XXXX dollar package, everything would be done and customized for me, and I was guaranteed to make money, without lifting a finger. Here I am weeks later, and to my knowledge I still do n't have an active account. They mentioned that my account is active, but I never even put anything on it or seen it. They swindled me out of {$3200.00} dollars and several monthly fees of {$110.00} stating that it was essential for the operation of my website. WHAT WEBSITE, I DO N'T HAVE ONE! Which has brought me to this point. My credit card company states they will not refund my money because the merchant responded. In their responses they provided a contract which I admitted to signing and a record log of me attempting to contact them excessively, which only proofs that I was n't receiving the assistance I needed. Regarding XXXX, XXXX and case number XXXX. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Ever other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company that for this purpose allow they should issue a refund promptly. My wife and I have already been through enough calls, emails, irate conversations with the merchant. They should not be signing with the merchant, this is a form of XXXX abuse. I called previously and try to stop these monthly fees and my credit card company failed to assist me. PLEASE HELP US!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment on my mortgage loan on XXXX XXXX, XXXX. It was for the XXXX XXXX, XXXX payment. Ditech apparently applied it all to principal. I received a call on XXXX XXXX, XXXX at home regarding my late payment. I explained my payment was not late. The gentleman that call me said he would look in to it and call me back. He never called back. My wife received a call on XXXX XXXX, XXXX at home regarding the same late payment. She explained to the woman at Ditech that the payment made on XXXX XXXX, XXXX was a regular payment and that it should not have all gone to principal. The woman at Ditech assured my wife it would be corrected. I called on XXXX XXXX, XXXX and spoke to someone in collections who then transferred me to customer service. The man in customer service assured it would be corrected and taken care of. I called again today XXXX XXXX, XXXX and it still is showing my payment is due for XXXX XXXX, XXXX. I am worried they are going to show me 30 days past due and mess up my credit rating. I called to try and speak to someone and got voice mail. I am very frustrated at this time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient : I was paying the agreed {$250.00} a month ( which was what they said was a garnishing of wages which I agreed to ) and when I checked my auto pay they had pushed it up to around {$380.00}. Along with multiple times kicking me off  of Auto pay.  Which I should not be liable for due to their fault in system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Multiple disputes on several incorrect items on my bureaus. Submitted clear and concise documentation proving their errors. After 3 rounds of " updating '' with no changes I am filing a formal complaint against Equifax and XXXX for not complying with the FCRA laws and the legal requests I have asked for stating how they came about their decisions of " non removal '' and " verified as correct '' which is apparently not the case when proof is provided on numerous occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, 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. Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation