BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: VA
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 do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but XXXX  shows no credit limit ( {$0.00} ) While Equifax shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off  Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ 1debt would be EQUAL the negativity weight as a XXXX XXXX  ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a XXXX XXXX  would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. I pasted the dispute below. 
I am requesting that the item be removed or explained with evidence of an actual debt owed to correct the information. This debt of {$100.00} is not unknown to me but also seems unlikely as I have insurance for many years. Please provide the date of service and any information you may have as this debt seems erroneous. 
Please reinvestigate this matter and delete or provide evidence that the disputed item is valid as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: VA
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 do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but Experian shows no credit limit ( {$0.00} ) While XXXX  shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?

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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Approximately two weeks ago, after my spouse left I discovered that a Chase account was opened by my spouse, in my name. I immediately called Chase to report the situation as well as report the card in my name was missing. My spouse had named himself as an authorized user on the account. It took over two hours before I was able to speak with a customer service representative. At that time, I also requested that any online access for the account to be reset. Due to that request, I was passed around from representative to representative for almost three additional hours before I was disconnected. 

I have tried to reset the account myself online, but the phone number and email address listed as security verification for the account have not been valid since 2010. Therefore, I can not access the account online. I have since called Chase four times trying to get this issue resolved. I have been passed along from representative to representative, held for multiple hours, been told that it could not be done, and then disconnected each and every time. 

I am trying to simply gain access to the account in my name and on my credit report, but can not get assistance from Chase customer service representatives. Can you please have my online access deleted so I can start fresh with the correct email address and cell phone number so I can get statements and figure out what is going on with this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On or around XX/XX/2020, XXXX BBVA bank in XXXX accepted a wire transfer from my account ending in XXXX in the amount of {$20000.00}. On XX/XX/2020 XXXX BBVA accepted a second wire transfer in the amount of {$23000.00} from the same account. Both wire transfers were fraudulent. I have attempted to contact this bank, but they have no option for customer compliant and/or fraud to be from an international individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received my report and Enhanced Recovery Company had reported this dept on XX/XX/2019 in the amount of {$210.00}, that I do not owe. I want this debt removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
BANK OF AMERICA/ CHARGEOFF ( balance {$3000.00} and {$720.00} ) Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of Pender : Arlette> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.

2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.

4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).

Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BANK OF AMERICA are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 the XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2020-04-07
Company: UBS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
After doing research and speaking with colleagues, I decided to open an account with UBS Bank USA. I am aware they are a wealth management entity, but they advertise a product called RMA ( Resource Management Account ), with a fee of {$170.00} per year which can be waved in a number of ways. This seems to be their equivalent of bank management, together with investments, if the client so chooses. They do not require a minimum deposit to open. However, it seems the only way to open an account is in person, through one of their Financial Advisors in person. After contacting my local offices, each office was very shady and each office set their own rules, minimum deposits and conditions. One office was finally able to confirm the account fees and how to wave them ( the omitted the direct deposit option, which exists ), but then stated nobody was available to assist me with opening an account. This was the email : " Thank you for your interest in an Resource Management Account. Our primary services are investment management. Banking services are a compliment. The annual RMA account fee is {$170.00}. Waivers are provided to those who keep a balance of XXXX XXXX, make a deposit of {$250000.00}, or have the Infinite Visa card ( {$490.00} annual fee ). 

Please let me know if you have any additional questions. '' It seems this bank employs shady tactics similar how car dealers operate, and each branch seems to be acting in their own arbitrary way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 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 2022-05-05
Company: EQUIFAX, INC.
State: NV
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 been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed bylaw, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 been submitting multiple letters from XX/XX/2022, to XX/XX/2022. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed bylaw, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-07
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Over the last year I have made several calls into Sallie Mae regarding their website not reflecting the correct payment amounts. The application did not match the website and therefore caused a discrepancy in amounts owed and I was constantly falling behind due to same. I started calling in XXXX to inquired about payment modifications as I was no longer in deferment starting in XXXX, knowing I could not afford the amount I would be asked to pay come XXXX. I was instructed to wait until XXXX. I called in XXXX and accepted the program with the lowest payment I could get. At this time I inquired about what to do if I can not afford. The representative instructed me to miss a payment, call back and they will be able to offer me alternative options. So yet again I followed the instructions and was told in my next call there was nothing they could do and thats the lowest payment I could get and was instructed to borrow money from family. From XXXX to XXXX I called countless time regarding payment modification. Finally in the end of XXXX I was granted same which at that time I asked to speak to a supervisor because it shouldnt take 4 months of back and forth stressing about not being able to make payments. A supervisor told me loan modification is a last resort and they do not recommend unless absolutely necessary. To which I stated it was necessary and expressed my concerns over several calls and was instructed to borrow money from family to pay the loans. Needless to say they eventually started me in the loan modification for 4 out of 5 loans. In order to due so I needed to make my account current in XXXX. In XXXX I had balance due of {$190.00} when I shouldve only been responsible for my one loan not included in the loan modification as it is set up on autopay. So I paid and called on XX/XX/26 at which time I was told I over paid. Today my co-signer called me saying Sallie Mae called asking for payment. My co-signer is on the loans that are in the modification which were paid the full amount of {$300.00} and change on XXXX. Again it shows I have a balance due on 2 of my loans in modification which are on autopay and were paid in full. Every single month I am calling this company to fix payments. I have banking experience of 7+ years and I can not figure out this discrepancy as I bring it current over the phone every month. This is needs to stop and I need support resolving it has been extremely detrimental to my mental health and causing me severe XXXX and stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: NV
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:
There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: IL
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 complaint is against XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation