BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am victim of identity theft and have informed Experian that I filed FTC report and can they remove fraudulent accounts immediately

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 2023-03-30
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Atlanticus Services Corporation
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A woman named XXXX XXXX from Dynamic Recovery Solutions called my husband looking for payment on a charged off credit card in my name from 2004. He informed her that the statue of limitation had run its course and she threatened to ruin his credit if he did not give her my direct phone number. 

I then called the company myself and spoke to a different collector who then told me they would sue me if I did not pay the account in full despite me reciting the statute of limitations and my rights under the FCRA. He then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
State: MN
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:
I have a credit card with chase bank and I bought something off a site that was fraudulent. I never received the package and the provided a fake tracking number that I heard is a scam now. I disputed with chase and they closed it in favor of the merchant. I called customer service several times to let them know I have proof through XXXX informed delivery and they told me to submit it and a letter saying I never received the package. I just called because it's been past a week and they still have ruled in my favor and were giving the run around to submit it through fax because I sent it through their secure messaging system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I spoke with XXXX XXXX after the repeated calls wouldnt stop. I was threatened to be sued if I didnt pay up. I explained I had fallen behind on my credit card payments due to the pandemic and losing my income. The gentleman on the phone then got nasty with me and threatened to sue me. I said well how can I be sued if I dont have any money? He said there are ways. Youd be surprised. Told me I better ask my family for money to pay off my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
A few years back, I kept getting emails from XXXX/XXXX advertising forbearance as an option for me, I was never given information about income driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: BAM Management US Holdings Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Two ACH transactions that occurred on XX/XX/2021 in the amount of {$500.00} each to Binance US /Custodian ( XXXX XXXX XXXX XXXX which never get credited to my Binance account. 

transaction # 1 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX transaction # 2 On XX/XX/2021 {$500.00} credit to XXXX XXXX XXXX XXXX XXXX the tracer number is XXXX I have attempted to email their customer support Binance/XXXX  XXXX but never got a response back. I have submitted two support tickets about this issue with Binance US for months but they don't respond to my support request ( Binance support ticket # XXXX and support ticket # XXXX ) I would like to file an official complaint about the fraudulent activity with custodian XXXX XXXX XXXX and Binance US.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1. I have been un-successfully trying to submit a dispute for all XXXX XXXX union auto loans as agreed to by XXXX in the attached e-mail. Also the history records, and the entries need to be taken out of " potentially negative '' results. There are XXXX separate accounts 2. I have been unsuccessfully trying to get removed the XXXX account, " recovery '' item also agreed to by XXXX to remove in the attached e-mail Thank you for your help XXXX XXXX DOB : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX e-mail : XXXX phone : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following unauthorized hard inquiries has placed a negative effect on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-01-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have repeatedly asked to reduce my monthly payment to a more affordable payment and my only option is {$800.00} a month. In order to keep this " low rate '' was forced into giving Navient my banking account information. This payment is almost the same amount as my rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( TransUnion, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.

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 2016-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
they have a address that i have never been to or live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I did live in XXXX but not here please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account after I had put in a dispute for atm freezing up and going outta service but still charged me for the transaction when I didnt receive any money from the atm I was told that my account was closed and I wouldnt be getting my refund for the atm transaction they wouldnt give me a clear explanation of why they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My account was in a positive balance. XXXX transactions which were to occur the previous day were applied by Bank of America and XXXX overdraft charges were made with a total amount of {$140.00}. I deem this activity to be unlawful. After contacting Bank of America customer service on XXXX/XXXX/2016, I was informed that the fees can not be waived and that I am unable to close my account which I had also requested during this phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from the court stating they do not furnish information to any third party including Credit Bureaus, there for the Tax lien and Bankruptcy that has been placed on my credit reports stating the information came from the court is false and was placed on my credit report illegally and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They Threaten to arrest, and receiving at least XXXX calls a day for several months. I programmed my home phone to block the call but the phone calls still ring. We have not received any of their letters in the mail. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Merrill Lynch Wealth Management is throwing obstacles so consumers have difficulty accessing their own funds. On XXXX/XXXX/2015 I went online to do a wire transfer. I input correct B of A account and XXXX numbers. I called M-L to complete the transaction. Several times they tried to transfer me to a financial advisor ; finally I convince them to do the transfer and they confirm is it complete and should fund within a day. XXXX/XXXX/2015 funds are still not in my account. When I call, they say B of A rejected the transfer saying the account does n't exist. I recheck my online data for the transfer and it is all still correct. M-L says they can not show me the notice from B of A rejecting the transfer, that it is a 'backroom ' process. I convince them to do the transfer again, and they finally do. I believe M-L fraudulently stopped my transfer to keep funds in their company ; they did not contact me to let me know of any problem. Clearly, there should be no problem because the numbers on record for wire transfer in my Merrill Lynch Wealth Management account are correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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