BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: VA
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:
As of XX/XX/XXXX, I had sent out a letter to EXPERIAN to dispute the inaccuracies on my credit report for late payments regarding these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXXXXXX EXPERIAN revived my letter and have not send the documentation proving the accuracy on my report. I have demanded that I receive documentation from the creditor indicating that I have been late on these accounts. Pursuant to 15 usc 1681a ( 2 ) ( b ) I demand that you remove this inaccuracy on my report and update to paid as agreed. I expressed my right to demand that EXPERIAN disclose to me all documents they have recorded and retained in my consumers file at the time of request concerning these alleged late payments EXPERIAN is reporting on my credit file. EXPERIAN can not just reply in writing stating that EXPERIAN has verified alleged late payments on my accounts without supporting full disclosure documents of how EXPERIAN has verified alleged account. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provide the necessary documentation.

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 2022-05-04
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 credit reporting act : 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 has violated my rights .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act : 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 has violated my rights .

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 2022-05-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information and charges off my credit report. I ask that these fraudulent charges be removed from my file as soon as possible. I have already contacted the Federal Trade Commissions Identity Theft Affidavit so that these charges can be removed because it is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Please be advised that on XXXX XXXX and XXXX, I applied for a Spirit Airlines promotional credit card, online. Unfortunately, I received two declination letters, citing that the declinations were based on information received from XXXX, citing that I have had an account written off as uncollectable. Knowing that my credit score is XXXX, and that I have never had any collection accounts, I contacted XXXX, who confirmed that the basis of Bank Americas decision was not based on any  information supplied or contained by them. And, that I do not have any collections account. Instead, I have 31 accounts in good standing and 0 accounts in negative standing, and 0 collection accounts. What is even more puzzling is that I previously possessed two Bank of America credit cards for several years, without any late payments or issues. That being said, I would like to know the basis of the declination, the actual source of their information, and why XXXX was accused of supplying information, that they did not supply, nor do they possess or have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX, XXXX XXXX Date of inquiry : XXXX XXXX, XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-04
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Studentaid.gov does not have legal loan paperwork nor promissory note. Can not provide evidence loan exists nor previous payments made during 24 years Said loan supposedly existed. Payment terms were 20 years and never missed. Terms of loan met. Therefore balance legally zero. No evidence provided by supposed creditor to validate their claims. Current rules of Biden Administration if no evidence payments not made then assumed that they were made. There are no records of payments. Even though loan conditions met they refused to provide evidence and refuse terms met. And yet credit bureau still reports this damaging credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/ 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They were able to remove some companies but some are still showing on my reports in other bureaus. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had just received a letter from XXXX XXXX XXXX. Monday XX/XX/2018. The letter is dated from XX/XX/2018. XXXX XXXX XXXX claims that they had sent me a letter requesting additional information pertaining to the account I had disputed. I had not nor ever received a letter from XXXX requesting additional information. I do believe that they had made a gross error and hope that they take the time to look into this matter

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian Report number XXXX I am filing this complaint because XXXX has ignored my multiple request to provide me with the documents that their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of FCRA - They are required to " ... promptly delete all information which can not be verified ''. 

Account Name : XXXX  XXXX Account number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Please resolve this issue as soon as possible. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lender is stating that my account was 30 days late XX/XX/2016, and added another month and stated account closed XX/XX/2016, when the loan was closed and paid in final XX/XX/2016. 
I've had numerous issues with Santander and will be formally filing a complaint with Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the XXXX XXXX LL, Now with agree to repay re fresh my account to current but they reporting late payment. all this situations was relay to covid 19 situation and lock down losing temporatly my job. Also to be afected directly with the with the COVID. I contacted then to arrenge a payment plan to continue and bring my account current. 
after been hospitalized aconsecuence of natural desastre COVID 19 illness and complications for me be a high risk patient. which I was at not income since XX/XX/XXXX Still today XX/XX/XXXX again. still making my payments I am dealing with Covid 19 effect and after speak to then they refused to help and still continuel reporting late to all to the bureau as delinquent.

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 2022-05-04
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello dear on XX/XX/XXXX I did a wire transfer to Binance.US ( XXXX XXXX XXXX receive name ) XXXX signature bank. After 2 days I received an email said that my account has been lock for security raison and my wire will return to me within 2 business days. After 4 days I went to my bank commonwealth to ask my banker about the wire they called wire department to ask about it no wire was refunded to my account. I try to contact Binance.US no phone call no one respond to my email. The wire amount is {$13.00} 000 .i even went on twitter to complain I just received very rude email scam message I am so desperate. I dont know where to start no phone only the adress of XXXX XXXX no contact please I neeed help I am very broke now. This issues takes all my time and energy. My banker even called signature bank about the refund they couldnt get any answer. Please I need help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had a wire transfer deposited into my account that was blocked. By the bank, no reason given, no correspondence, no email, no call back, the funds were deposited on XX/XX/2020, even though I can't withdraw funds the bank continues to take fees out of the account. I'm now defaulted on mortgage and insurance, and can not pick up XXXX XXXX gifts on lay away, pay bills or utilities ....

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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my third letter to your company. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed.

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 2021-07-13
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Klarna AB
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I attached the documents and emails with dates I purchased an order and did not receive it and it was resent but there was an exchange needed and they did not credit it and the merchandise has not been exchanged and the original merchandise is with the vendor XXXX. I have tried to call but they disconnect and no one seems to know what is going on and I have received no help I sent a letter to the XXXX  and still no response at this point I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: SIMM Associates, Inc.
State: GA
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 XXXX, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against XXXX XXXX, XXXX XXXX XXXX. 

I previously disputed this erroneous and inaccurate information with XXXX and XXXX XXXX, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. 

XXXX XXXX, XXXX XXXX XXXX sold the charged-off account to SIMM ASSOCIATES XXXX INC. Who notified me on XX/XX/2022 by letter attached as a Collections agency. 

Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from SIMM ASSOCIATES , INC .

When SIMM ASSOCIATES, INC failed to validate the debt, they informed me that the account was transferred back to XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposit a check for the amount of {XXXX} to my Bank of America checking account on XXXX XXXX. I was told that I could have {XXXX} available immediately, {XXXX} available on XXXX XXXX and the full amount available on XXXX XXXX. However, today is already XXXX XXXX and I still have nothing available to me. The check is still on hold and no any notification has ever sent to me about why the check is still on hold and when will the money be available to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation