BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
While this case is about XXXX XXXX XXXX ( which I have received letters like this case has ), it fits best my XXXX XXXX XXXX complaints. In fact, XXXX XXXX XXXX has already supplied a letter dated XXXX XXXX XXXX, stating that the furnished account was correct, they would continue to report it, etc. It was not correct. I was not legal either. Think about that when reading this. My situation falls in between the case below. My case did not make a payment in order to be reported. However, they reported payments were made on time, though I never made any. Using this case, even positive time-barred reporting is barred, whether paid, unpaid, etc. Because Experian was the most specific reporting on this credit account - closed in XX/XX/XXXX - and reported " paid on time '' each and every month of XX/XX/XXXX by an " internal '' upgrade by the furnisher, shows that the credit reporting - BY DATE ALONE - wilfully violated the law. So this case will be added to my other documents against both the furnisher and the credit reporting agency in court. Hopefully, the reality-check of this clear language will speed up the too-slow investigation and reinvestigarion into the details of those 13 months of payment data. Those details are not even admitted to by the furnisher ( U. S. Mail ) a week after I called the Fraud department. Yet, they are right on the Experian credit report I initially received in XXXX XXXX. XXXX other credit reports have variations on this reporting ; such that it could not have been a single furnishing. It was in XX/XX/XXXX, ever month in XX/XX/XXXX ; and in XX/XX/XXXX, too. This XX/XX/XXXX account will be on my credit report until XX/XX/XXXX because the letter by the bank said it will continue to report it - thus causing me to continually dispute it until then - and says it was correctly reported. The case should serve as a " cease and desist '' to Experian for any and all accounts connected to XXXX XXXX XXXX whatsoever ; regardless of what account is furnished!!!!! If the furnisher refuses to stop, then this agency must stop them, based on this case as an umbrella blockage to more disputes. I do not want to waste anymore time trying to explain the clarity of this case XXXX XXXX XXXX to a national bank or to their national major agency that disseminates that error another number of years. 

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. ''

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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contacted Navient multiple times asking to defer my my loans. I was told it would be {$50.00} for each loan. And I had XXXX. Then I asked would they take a lesser monthly payment. They refused to take anything less then my bill asked for and it was nothing else that they could do at the time. All XXXX of the people I spoke to were rude and not trying to hear anything I was trying to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Consumer Collection Management. Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer Collection Management has been removed from one credit report a few times, but it keeps coming back, after it gets investigated and then removed. They have also made slight changes each time they resubmit it to the 3 reporting bureaus. Each time we have asked for proof of the debt and all we have ever heard, is because we have a form?! Where is the proof? Without proof they get removed, but then they come right back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: CA
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 just reviewed my credit report and noticed errors on my file

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 2022-07-20
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed a lot of activity that was not authorized by me. I wanted to apply for a business loan and the lender brought so many things to my attention regarding my credit. that's when I noticed inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. All these hard inquires were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for a credit from XXXX XXXX on XXXX XXXX, I have also reached out asking them that they remove the inquiry from my credit profile. Please launch an investigation into XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I'm requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely XXXX 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 explanation
Consumer complaint received 2022-07-14
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIUM ASSET SOLUTION has flagged your account as XXXX on XX/XX/2022 with XXXX Credit Reporting for an account with XXXX XXXX. I have never had or had applied for an account with XXXX XXXX, therefore this is an account that was established through fraud and identity theft. I am currently disputing this through XXXX and have contacted the XXXX XXXX XXXX and filed a police report for identity theft ( Report # XXXX, filed by XXXX XXXX on XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Comerica
State: ME
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
my Social Security payment money was fraudulently stolen from my card Direct Express card. Direct Express will not resolve the fraudulent theft after many attempts by me and I have heard nothing from them for a month since reporting the theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My father opened up a credit card in my name without my consent an made fraudulent charges on my account with capital one bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: ACIMA CREDIT, LLC
State: CA
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:
Acima Credit FKA Simpl - XXXX - balance owe {$1500.00} this debt is not mines. I have contact XXXX and they telling me they will not reinvestigate. I definitely paid this debt, off in XXXX months in cash to the place of business. I move around and this happen so many years ago I no longer have receipt but I clearly paid it in 90 days to avoid paying XXXX. Please remove from my report. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Uploaded XXXX XXXX and Adverse Claim re : XXXX. Alleged " mortgage '' loan by BANK OF AMERICA FSB XXXX XXXX XXXX, BANK OF AMERICA FSB filed at State of California , County of XXXX XXXX Recorder Office XXXX, Document XXXX - XXXX. 
BANK OF AMERICA FEDERAL SAVINGS BANK XXXX XXXX XXXX, XXXX XXXX XXXX, OR, UNITED STATES XXXX knowingly failed to transfer the assets to the trust fund to qualify as a XXXX or a XXXX. Therefore this means that this " loan '' herein is/was in default at closing and the loan is unsecured and BANK OF AMERICA knowingly holds contraband, knowingly failed to pay income tax on proceeds from my Estate and Breached Fiduciary Duty, violated of public policy under XXXX, the Emergency Banking Act of XXXX passed XXXX XXXX XXXX codified XXXX XXXX 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 explanation
Consumer complaint received 2023-04-16
Company: ProCollect, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a complaint against PROCELLECT, INC ( hereinafter referred to as " the company '' ) for their attempts to collect a debt that I do not owe, as well as for their failure to remove the collection record from my credit report and their recent addition of a new record to another credit bureau under my name. 

In XXXX XXXX, I received a debt collection notice from PROCELLECT, INC, claiming that I owed an outstanding debt of {$720.00}. Upon receiving this notice, I immediately contacted the company to dispute the debt, as I had no knowledge of it and believed it to be an error. I provided them with all necessary documentation to prove that the debt was not mine. Following our conversation, a representative of the company verbally agreed to remove the collection record from my credit report. 

However, despite their assurance, the company failed to remove the collection record as promised. Furthermore, they neglected to respond to my previous claim and have now added a new collection record to another credit bureau under my name. These actions have negatively impacted my credit score and have caused me undue stress and financial harm. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against PROCELLECT, INC. I am seeking the following remedies : * Immediate removal of all incorrect collection records from my credit report across all credit bureaus.

* Written confirmation from PROCELLECT, INC that the debt in question is not mine and that all collection attempts have ceased. 
* An investigation into the company 's practices to ensure that similar incidents do not occur with other consumers in the future. 

Please find attached copies of the debt collection notice, documentation provided to PROCELLECT, INC, and any correspondence I have had with the company, as evidence to support my complaint. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. 

Sincerely, 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 explanation
Consumer complaint received 2022-03-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw on my credit report that Convergent Outsourcing reported that I owe {$1400.00} to XXXX. I called them I let them know I do not owe them anything. They said that they would contact XXXX and I still haven't heard anything back in a few months. I returned all XXXX phones back to XXXX 's corporate office due to not being able to make calls or send texts the whole month I had them as my cellular provider and was told I don't owe anything. I called customer service and was told they were servicing the cell tower in my area. They didn't work in any area I was in.

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 2016-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a Bank of America checking account. My available balance was {$2300.00} and my card was lost. Upon checking my Account online, I noticed some transactions I never made and immediately transferred my remaining balance of {$200.00} into my other account, so as to block cash access to whoever is fraudulently using my card ; and immediately called Bank of America customer service. 
A claim was filled for XXXX unauthorized transactions on XXXX XXXX 2016, totaling {$2000.00} and my card was replaced. The representative then said i 'would ' be receiving a provisional credit for my claims in 48-72 hours. 
After 72 hours of the transactions posting, I did n't receive any credit. I called customer service and was told it was XXXX more pending transaction, and that all disputed transactions must post before credits apply. 
All the transactions have posted, and yet, nothing. I called again, and was told it a new account. I 've had my account for 2 months. That to me, is n't new anymore. 
All BofA did was charge me {$5.00} for card replacement, which made my account negative balance. 
Every time I call customer service or claims department, they all say different things at different times. It makes me wonder if there 's a play book for this or these bank 's reps are just allowed to say anything to customers, even with the fact that the calls are recorded!

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 2022-03-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 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. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
have BEEN REPEATEDLY trying to stop XXXX and their numerous collection agency from CONSTANTLY posting to my credit report and other various things for almost XXXX years now. The XXXX Internet account I am referencing was also filed here with a complaint due to XXXX and their collection agencies ( numerous ) CONTINUE to claim that this my account. My account ENDED in XXXX of 2018. I was on the phone with the representative and MY ADULT son was on the call. I was no longer living or using the service, in XX/XX/ 2018 we spoke to the rep about taking the account out or my name and closing MY account. My son wanted to keep the service, so they opened a account in HIS NAME. My account was PAID and CURRENT in order for XXXX to be able to do this. Once my account was closed out ( same day ) my son established the service WHICH I HAVE PROVEN TO CFPB and to XXXX MANY TIMES. My son account I PROVIDED the information for and showing that HE MADE ALL PAYMENTS AND STiILL is to this day. XXXX is being FRAUDULENT. They ARE PURPOSELY ignoring the information that I even provided to CFPB and TO THEMSELVES. 

I do not know what kind of game XXXX is playing. I am going to file a complaint for MALICE with the XXXX of FLORIDA for they BLATANT DISREGARD for the truth of the account paid and information on all payments to date even from my son. XXXX and their continued Fraudulent collection claims REPEATEDLY - IGNORING THE PAYMENT INFORMATION IN WRITING PROVIDING IS NEGATIVELY IMPACTING MY CREDIT for over 3 years. I have excellent history other then THIS FALSE NEGATIVE collection account. 

I am preparing a suit against XXXX for XXXX years of NEGATIVE IMPACT to an account THEY FOR A FACT KNOW WAS PAID/ They transferred and I CONTINUED to PROVE MULTIPLE times IS STILL IN MY SONS NAME even as of today and ALL PAYMENTS since XXXX 2018 HAVE BEEN MADE. This is now my XXXX time to try and resolve this matter and NOW XXXX NEEDS TO BE FULLY INVESTIGATED! 

I WILL BE SEEKING DAMAGES to the Fullest extent that the law will allow

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are working on a short sale with Bank of America and they have had the file for 9 weeks XXXX since XX/XX/XXXX ). They had a complete file on XXXX, but of course they took more than a month to review the file and requested updated documents. Those were delivered and then they took another 3 weeks to look at the file before they had " questions '' about the income and tax returns. It has been another 2 weeks and the underwriter has yet to review that information. We have n't even been able to get the file out of loan modification and into the short sale department 's hands because they are so delayed in reviewing the file that every time they look at it, they request something more! We are about to lose our buyer. Please help us.

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 2016-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX and XXXX 2016, I filed two complaints with CFPB against Bank of America in XXXX XXXX California ( XXXX and XXXX ) and for some reason I was quickly locked out of my account ... Therefore I could not get in to receive updates on this process ... okay restore my account 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 explanation
Consumer complaint received 2020-03-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I received a notice from my XXXX that I had a 30 day late payment on my Infiniti account for XX/XX/2020. When I called Infiniti the first time, I provided them not only the debit from my checking account showing the payment, but also their payment records showing the payment. When I called back, they informed me that since there is 31 days in XXXX, and I made the payment on XX/XX/XXXX that caused it to become a 30 day late ... I have been paying on credit for almost 20 years I have never heard of something like this. I have escalated the info to Infiniti, and also submitted a dispute with XXXX. That said, the result of this has caused my current credit score to be below the amount needed to secure a Home Equity Loan ... ..

Company response to consumer: Closed with explanation