BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX I make a call for a solution to talk to a person in the hardship department at XXXXXXXX.I get transferred to an unprofessional female  is pushy to get me to make a payment when I already made a payment for the month and she doesn't even ask how can I help you at the beginning call. I complain that I get two types of interest fees and having trouble paying off the card. She begins to laugh as I complain and doens't fully listen to solve the issue woman that acts completely unprofessional over the phone and we start to argue because I asked to speak to someone who can help with financial harships. I end up hanging up the phone with no real help.

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 2023-11-02
Company: Global Trust Management LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collector contacted me I they bought my loan and I am supposed to pay {$690.00} dollars which happened due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion I see that you verified the account listed below : XXXX XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX  : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX XXXX XXXX Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report Today! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

XXXX XXXX : Account number : XXXX, How did you verify this account. Delete it from my credit Report XXXX! 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: TX
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 constantly disputed the accuracies of said account XXXX, and the information reporting i have sent multiple letters requesting validation of the debt which they have never produced. the said companies have refused to answer me. they have violated the FCRA by the following 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

how can this be 100 % correct if yall are reporting it as open and a collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: HI
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 summited disputes for XXXX and received dispute results XX/XX/XXXX, and I summited for Experian and received results back on XX/XX/XXXX, XXXX I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My XXXXredit score stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Sending this complaint means that I am expecting a deletion from you within the upcoming 15 days as I am updating my credit reports. And I am positively anticipating such resolution to fix the negative impact brought by these fraudulent items that I listed in complaint. I also included in this complaint just like my previous complaint dated XX/XX/XXXX, the FTC Reports that I filed with reference # : XXXX, XXXX & XXXX. I really appreciate the efforts done by the Bureaus to remove some items but these items should be included in those items that were already REMOVED from my credit file. Please see the items that I listed in each Bureaus, for your reference : -- -- -- -- -- -- -- -- -- -- -- -- -- -EXPERIAN XXXX -- -- -- -- -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX NV XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance XXXX {$3300.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -XXXX  -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WY XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX : {$970.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$6800.00} 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 2023-12-17
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX  I submitted an email inquiry to my loan servicer EdFinancial, through their website. 

On XX/XX/ I received the attached email saying they had spoken to me and that my issue is resolved when in fact, I have NOT spoken to EdFinancial and the issue is NOT resolved. No representative has contacted me since I contacted them on XXXX 

In addition, the issue which I emailed about is NOT resolved as of today, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments. This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX. 

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments. 
This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. 

Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00}

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 2023-12-17
Company: Upgrade, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to Upgrade 3 times asking why have they not update my balances. I have XXXX active accounts with them and they are the only ones who have not updates since XXXX. My balances are significantly lower and im in the process of the first step of home buying its causing my score to drop, it makes it look closed because they do not provide usage and the balance owed is way up. For instance XXXX upgrade card limit is XXXX I paid them down to XXXX my report it shows XXXX limit and my balance is XXXX meaning im way over my balance! With over the limit.on another upgrade card limit XXXX its says my balance is XXXX! My balance is XXXX. I have XXXX loans with them XXXX loan says XXXX and I owe XXXX and another loan shows XXXX and im down to XXXX. These things make me look bad and cause damage to my report and does not help me. I disputed it with upgrade several times they blame the credit reporting people. I complain to experien I pay them {$25.00} a month and the disputes leads me to the same place! No one is truly investigating or helping. I even uploaded my statements yet no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Leif Technologies Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed up with a school called XXXX XXXX. I was told over the phone that the class I was taking only would be XXXX but it ended up resulting in XXXX. I was suppose to receive help from my school to get a job and to get help with the student services to help with my resume but no one ever replied back to me after I told them my frustrations for the school. They are now saying I have breached my contract when I was promised help with to get help from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I received the attached communication that my student loan account is past due. Upon logging in to the account, the account is TWO MONTHS past due with an upcoming payment due on XX/XX/XXXX. However, this is the FIRST notification since payments have resumed that there was even a payment due. 

I am disputing these amounts on a separate CFPB complaint but the point of this complaint is that payment due notifications have to be sent on a timely basis when payments are due, not when they are two months PAST DUE.

This is particularly disturbing because based on other communication I received from Ed Financial, my account balance was {$0.00}, so technically I had no reason to log into the account to know there was now a balance due. Other people in this situation will be taken completely by surprise to suddenly see their account is past due. Once credit reporting of late payments resumes, they would also face negative credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is reporting and updating a charge off from XX/XX/2020. 
The following account was charged off as of XXXX XXXX Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history which to my understanding, charge off accounts should NOT include an active payment history. Need I remind you this also falsey manipulates the statute of limitations.

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 2023-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
I contacted the credit bureau to perform an investigation of the accuracy of items being reported. 

1 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX portfolio recovery has violated my rights.they are unable to validate the account. 

2 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights. I paid {$200.00} deposit and they are reporting {$250.00} past due. Where is my deposit 3 ) accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX  has violated my rights.was told to pay account up to date and the late payments will be removed.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a {$200.00} student loan payment to Edfinancial Services on XX/XX/23. The {$200.00} payment posted to my XXXX checking account on XX/XX/23 but the payment amount was not deducted from my student loan balance on the Edfinancial Services website. This student loan payment made on XX/XX/23 has disappeared from my payment history on the EdFinancial Services website completely, as if I never made a payment on that day. I have the XX/XX/23 payment confirmation number from Edfinancial Services and my XXXX bank statement showing the money was already deducted from my checking account. I would like Edfinancial Services to apply the {$200.00} payment they received to my student loan balance.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-08
Company: PNC Bank N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used PNC banks External transfer tool to transfer {$5000.00} to my XXXX XXXX  XXXX account on XXXX XX/XX/2023. 

As on XXXX XX/XX/2023 the transaction shows Completed on PNC portal, however the amount is not credited to my XXXX XXXX XXXX 

I have double/triple checked the account and routing numbers and they seem to be correct. 

On contacting XXXX XXXX, I found that they do not accept ACH for CD deposit, thus the amount should have been back in my account when the status on PNC shows Completed for the transaction but that is not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted to make monthly payments for the past four months. Every time I pay, my payments are pending and then processed and eventually reversed. My interest continue to accrue.

Company response to consumer: Untimely response