BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WANT Bank of America to return fraud of {$500.00}. This is a fraud claim. I was scammed. A company in XXXX without my authorization charged my Bank of America ( BOA ) credit card -- first coice travel. I want BOA to file it as fraud and credit back my credit card {$500.00}. 

XXXX XXXX XXXX XXXX with a girl in a shop near the XXXX resort we were staying at approaching us with a scratch off. My scratch off won {$500.00} OR a cruise. My wife won " first prize '' which could be anything from XXXX cash, XXXX gift card, or a free vacation. The catch is you had to show up the next day with ID and show some credit card to claim your prize. Well, we reluctantly decided to check things out. 

After an hour of watching a marketing video on some incredible vacation savings, we tossed the idea around into their plan. We met with one of the " team leaders '' in another room. I asked him to pull up different vacation packages on their video presentation scam.. THIS WAS ALL A LIE AND A SCAM. PAPERWORK was small print is could not read and I wS not told they were going to charge me {$500.00} on my credit card, there was a scam and of course no transparency of up front charges. I called XXXX to see if fraud company c charged anything and they did. 

We decided to purchase their plan ( I never saw a physical hotel. Only a video claiming huge discounts. HOWEVER an hour later on internet I was all info on them of a scam BEWARE. So I returned straight to the office to CANCEL EVERYTHING!!! The paperwork clearly states it will take 3 to 5 days before we have access to the website. NEVER GOT ACCESS to anything no services whatsoever so its null CAUSE I CANCELED immediately. 

I have proof of cancelation emails. BANK OF AMERICA HAS THIS. I spoke with XXXX one day after signing that paper I didn't even know it was a contract. XXXX the manager told me no problem it canceled but he would not give me confirmation so I sent a follow up email canceling everything!!! 

I want bank of America to return my {$500.00} credit and to speak to 3rd party bank that its a scam. No services were ever rendered. Nothing was received by us from first choice travel therefore it is XXXX. THERE WEBSITE NEVER WORKED OR USED BY 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 2017-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian continues to report inaccurate and outdated information. I have submitted several disputes and Experian does not verify credit report info being reported. They just dismiss my disputes and continue to report inaccurate information instead of deleting it. I believe I am being discriminated against by Experian. Transunion and Equifax have updated my reports to reflect accurate information and they verify it. Experian does not and I want them investigated for refusing to verify and furnish most recent date verified.

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 2015-07-04
Company: Westside Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got this debt collection that is not mine. Not the right DOB, not the right SSN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: OH
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:
RE : XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY CXXXX XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX XXXX FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Equifax in response to a dispute of said Bankruptcy that Equifax verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, La, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Equifax to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately. 
Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 spoke to XXXX with XXXX XXXX XXXX  and she assured me that they were reporting accurate information and it is Transunion that is not.

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 2021-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX  XXXX BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

This NOTICE is to inform Transunion that XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by transunion in response to a dispute of said Bankruptcy that transunion verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Transunion to Cease and Desist the reporting of bankruptcy case # XXXX and to remove it immediately. 
You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

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 2015-10-11
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been paying on my student loan serviced my Sallie Mae since I began gainful employment. I have been paying the minimum amount, but numerous late feed were added to the account and they will not work with me on adjusting the amount, although I am making monthly payments. Therefore, I receive up to XXXX ( XXXX ) phone calls per day. Initially, I would attempt to discuss the late fees that had been assessed but received no assistance. I was told repeatedly by XXXX of the collectors " Pay yo bill, pay yo bill, pay yo bill ''. After that incident, I quit answering the phone. 
I am attempting to pay all of my student loans in a timely manner. Sallie Mae is the XXXX organization that will not work with me whatsoever and repeatedly call me everyday from XXXX to XXXX. Any resolve you could offer or assistance in how I should approach this organization would be greatly appreciated.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data keeps trying to collect a debt that is owed by another person. They know the lease was signed by a family member and not me. They have no contract with me but keep trying to claim I am responsible. They also called a friend and told him I owed the debt and threatened to sue him too if he didnt pay. They also lied to me and said they had my signature but they do not. The lease shows its not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Advanced Resolution Services Inc.
State: TX
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 have tried to freeze my ARS report for the past 2 months, but have not gotten a response. They replied to my last CFPB complaint and said they have not received my letters, but i have 2 certified mail receipts showing that i sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX XXXX  BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Experian in response to a dispute of said Bankruptcy that Experian verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Experian to Cease and Desist the reporting of bankruptcy case # 1314789 and to remove it immediately.

You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

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 2020-04-16
Company: Early Warning Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple attempt for early ones to look at multiple documentation from XXXX XXXX XXXX regarding my account early warning systems refuses to correct the status of the account when it was closed. they have literally been most unethical unprofessional people I've ever experience on Earth. I am appalled and disgusted that they have my social security number and personal information. 
I have literally given them documents in a dispute a month ago showing that my status on the account should be settled it should not be unpaid. 
early warning systems refused to follow the law and look at evidence that I already gave to them. they have literally done nothing to fix an error that I have proven to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received no information regarding this debt. When contacted company was hung up on multiple time. I have not received any documentation support that this debt is even mine and collection agency refuses to send any or answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient will leave an automated voicemail that they are trying to reach the borrower and need to speak to them about their loan. When you call back to the number they leave it is not being answered in the proper department. Navient has also indicated that payments were not made on certain accounts until I inform them that I have a confirmation number and the money has been removed from my account, then they magically find that the payment was made ( sometimes on the same day ). Until an argument took place I had no knowledge that Navient had a private loan side and a federal loan side. Whenever, I call in they are automatically sending my calls to one or the other side but not necessarily the correct side. I am getting information from people that the loan is current and then others are saying it will be reported to collections. It is frustrating because until reaching out to XXXX I was unaware of a national database that existed which one of my loans did not even appear on. However, that did not stop Navient from trying to collect after a 4 month delinquency that I had no idea even existed since I had consolidated to the Loan Forgiveness Program and was making payments and was current. Then Navient contacts me about a loan AFTER it was already delinquent. When I inquired to where this loan had been and why it did not transfer over when requested ( two years earlier ), they could only tell me it was in an administrative hold and it would need to be researched because they could not even tell who made the hold request. The lack of professionalism and knowledge of what is going on with accounts in Navient 's custody is pure disgust. NAVIENT SHOULD BE PUT OUT OF BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I notice that on my credit report in all 3 credit bueras appears collection debts I did not recognize.Around same time I start to receive calls from collection agency very random times and day. I contact them for details and they forward me to collection agency which provide me with details about original creditor ( apartment complex ) which I did not recognize. I ask for detail to provide me. It's appear that third party did use some of my information to obtain lease agreement. I did request to remove this collection as its not belong to me. XXXX agency did remove this collection, however XXXX and XXXX did not. I did request from them more information. XXXX send me information IQ Data International provide to them. When I did compare with details I was provided from IQ Data International I notice some number and the names for a fees was different which make me completely doubts about if creditor know what it reports. I forward those 2 different copies to XXXX and XXXX by mail to request remove it from my credit report cuz now I saw it was not only not mine debts but also no consistency in this collection. I did not get any respond on mail from this bureaus, only online they updated that collection been verified. 
On docs I will attached you can see those inconsistencies on that collection. I will also provide you bank statement with my residency at that period time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Investigation took more than 30 days

Complaint:
I faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called XXXX and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.

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 2018-01-28
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX line opened without my authorization. I did not authorize a company ( XXXX ) to open this line of credit. I applied for credit with another bank partnered with XXXX and I was redirected to accept an application from XXXX, which was not clearly disclosed. I want my account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: SLM CORPORATION
State: OH
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 went to the best school i could get into, which was admittedly not cheap. While applying for student aid, I was redirected from the XXXX website to SallieMae. I took out almost {$79000.00} in loans, thinking that they were federal and thus eligible for income-based repayment. I was misled by SallieMae, who told me that I would have these options, even though they are not available for my loan type. I 'm now at a point where just over half of my monthly take-home pay is going to student loans, even though I was lucky and was able to get a good job that pays decently well. I 've been told multiple times that I have no other option to lower my payments through SallieMae, and am at risk of default because I ca n't lower my payment. If any unexpected expense pops up in my life, I will have no choice but to default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Applied for XXXX on XXXX XXXX. Contacted US department of education and have not heard back. Asked for an update or processing and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
From XX/XX/2016, to XX/XX/2016, no Capital One Bank personnel or emails/correspondence ever corrected the unfair, incorrect, confusing, misleading, misinforming and confirming information I was given by a Capital One XXXX number customer service representative on XX/XX/2016. I was unfairly, wrongfully, incorrectly, misled, misinformed and confused to believe that several consumer reporting agencies were used to determine my credit score and no Capital One Bank personnel ever informed me that statement was totally unfair, wrong, incorrect, misleading, misinforming and confusing and because of that very simple fact, Capital One Bank must and should remove all of the Capital One Bank related inquiries on my XXXX credit file. I 'm looking into all of my legal options and I do plan on suing Capital One Bank for personal financial damages, improper, confusing, misleading and misinforming business practices, tactics, information gathering, investigating process, information provided to me and representation of product.

Company response to consumer: Closed with explanation