BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
What happend this it all about a utility bill, so I 'm going to describe what happend I moved from my previous address at the end of XX/XX/XXXX so I called the pse and g which is the electricity company to disconnect the service and to send md the final bill to the address I gave them that time, so they send it to me I do n't remember exactly the amount but it was 100 and some dollars so I paid it by money order and send it by the mail, at XXXX I moved to Maryland after year and half even more I get a letter in my mail from a company called XXXX XXXX XXXX that I have collection of XXXX so I called them they told me this from past due electricity bill so told them ca n't be true because I have paid it anyways to have less headache I paid it same day and they told me we will send you a letter that you paid it but Even tho I paid it the damage is done because Already they report it to transunion, now my issue why the electricity company did n't contact me or send me the bill they assume that I owe before send it to collection agency and even if they send it to collection agency by law they give 30 days before report it to transunion and this company XXXX XXXX send me the mail at least a month late and when I asked them why they say we were looking for your address are you kidding me it 's unprofessional at all anyways I hire a company called XXXX XXXX XXXX to remove it from my report now it 's been paid since XX/XX/XXXX and they never remove it and it 's unfair because I work so hard to keep my credit report clean, I blame the pse and g and the XXXX XXXX for this because if I knew for one second that I have a bill I have to pay I would pay it right the way so it 's there fault from not notify me, now please I 'm asking for your help because I tried so many times with transunion to remove it by sending them letters and XXXX XXXX XXXX as well send them letters and nothing happend so now XXXX XXXX XXXX send them again notarized letter for the fourth time and usually it take 30 to 60 days from them to respond but they did n't thank you again for this opportunity to help me fix this issue.

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 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2017-09-04
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Navy Federal Credit Union and they have yet to correct my mortgage account to reflect that it is current. I made a payments on time and there was a occurnce when my payment was missed applied by there teller to another account. After I have made several complaints and provided evidence of the teller mistake to the servicing department to correct and to update the status on my monthly statement and credit report status nothing has changed. 

I have been dealing with the issue for months!!! The mortgage servicing department has the worst service and seems to lack the professionlism to get anything done. 

I refuse to deal with the credit union and I am hopefully that CFPB will be of support

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Received letter in mail from Bank of America that one of my credit cards with them was closed. Three reasons were listed : current or past delinquency, payment was too low, sufficient utilization of available credit. Called to discuss, verified had not been past due or made below minimum required payments. So asked what I could do and was told nothing. Asked if this card was closed for this reason why my other Bank of America card was not also closed and a reason could not be provided. Have had this card since XX/XX/2005 without issues so feel this account was unfairly closed by creditor.

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 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX Bank reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a spark business credit card with capitalone and want to increase the credit limit to avoid to use personal credit card for business purpose. 

Since the limit is low, when use more than 10 % of credit limit will start decreasing the credit score. I have over {$150000.00} in credit limit on my personal credit cards. But I am not able to increase my credit limit with my spark business credit card. 

Please explain the reason provided : 1 ) Credit bureau information is missing or unavailable ( what is missing? ) 2 ) Recent use of this account 's existing credit line has been too low ( what is the correct use? ) 3 ) Your average monthly payment has been too low ( what is the correct amount? keep in mind I am using the balance transfer 18 months 0 % with 3 % fee, I have not interesting in pay the full balance in less the 18 months )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was forclosed on in XX/XX/XXXX, 2017. I had been working with BOA for months to do cash for keys or a shortsale, or even a modification. I went to an on location mobile help site set up by BOA to sit down and speak with a loan counselor and they were not able to assist me because the loan was FHA. ( this was not stated in the letter advising us that they had on site help ). I kept in touch with my siingle POC but they changed often sometimes even twice a month. I submitted all of my paperwork when they requested and was in contact with them up until the day of the sale. The rep stated they had had my paper work prior and was reviewing it. They said to me that they could postpone the sale and did not. I lost me home and because of that me my son and my grandchildren were homeless. I asked the rep what happened why couldnt they postpone the sale she stated it was a " mistake ''. 
I did every thing they asked of me, over and over again, package after package and they did not keep up their end. I understand that I signed a contracual agreement and BOA agreed to work with me and did not uphold thier end. As a result, we were homeless for the 1st time in my life, it is tramatic experience for me and my family, and it affected my health.

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 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-02-18
Company: Perry Law Office, P.C.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, by way of their attorney XXXX XXXX XXXX XXXX., attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, filed a small claims case against me. At that time, my name was XXXX XXXX. I have since married and my name is now XXXX XXXX. The case number is XXXX out of the Small Claims Division of XXXX XXXX, XXXX  XXXX city oXXXX XXXX XXXX ). XXXX XXXX claims to have served me by way of the Sheriff in XXXX at an XXXX  address that I never lived at and don't recognize. I moved from XXXX  to XXXX, XXXX  in XXXX and lived in XXXX  until XXXX, when I moved to XXXX, XXXX. See attached law school transcripts, which show that I was a full-time law student in XXXX, XXXX  from XXXX to XXXX. 

Recently, I saw on the court 's electronic docket that attorney XXXX sent garnishment interrogatories to my employer ( attached below ). Attorney XXXX has never registered the judgment in XXXX XXXX ( XXXX  ) and presumably knows ( or should know as he has been licensed since XXXX ) that the judgment is not enforceable here until it's domesticated. He is attempting to secure confidential and sensitive information about me to which he is not entitled.The only reason for sending the interrogatories to my employer would be to harrass and embarrass me, as he can't collect based on any info he gathers. Further, the interrogatories were allegedly mailed to me at a very old address in XXXX  rather my current address in XXXX, which attorney XXXX has as he has sent correspondence to me at this address before. How could I work in XXXX  yet live in XXXX  at the same time? It doesn't take a lawyer to figure out that doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Capital One XXXX made unauthorized charges to a personal account ending in XXXX from a business debit card ending in XXXX. This issue is ongoing and was unresolved after speaking with : XXXX - XXXX, TX Supervisor : XXXX - XXXX, TX On XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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 Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have  XXXX  private smart option loans with Navient. The interest rate on  XXXX  loans are 8.75 % and the other is 10.75 %. The 8.75 % loans are in the amount {$50000.00} total and th e 10.75 lo an is {$36000.00}. When I graduated college in the   XXXX   of  XXXX , I had trouble securing a job that could help me repay my loans. After 6 months of graduating, I started to receive back to back calls from  Navient who threatened me to pay back over {$900.00} a month on my loans. My co-signers, are my retired gr andmothers who live on a fixed so cial security income and can not help me. I 've tried to lower my payments various times, but Navient wi ll not lower the payment amount to a number I can afford to pay. In  XXXX   XXXX  I have finally started a new job with better pay and have communicated with Navient that I need time to catch up on my finances and have even paid deferment, but they are calling me every other hour from  XXXX  to  XXXX  threatening me to pay and outrages amount. There are no options for me to lower my payments every time I speak to a loan customer service representative  at Navient. Navient tactics are to threaten people and harass them to pay. This company does not factor in financial circumstances, income, or the job market.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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: Account status incorrect

Complaint:
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Square Inc
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/XXXX XXXX refunded my cash app {$230.00} for a order I didnt receive. On my refunded receipt it clearly stated dont worry about returning the item. On XX/XX/XXXX cash app allowed XXXX to debit my account and put it in a negative status. I attached the receipt from XXXX to cash app showing what XXXX stated dont worrying about returning the item. My account with cash app is still In the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2022-07-17
Company: EQUIFAX, 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 Cedit Reporting Act : XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, have 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, states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation