BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XXXX XXXX 2017, I signed up for ongoing credit monitoring services with Experian.coms XXXX XXXX product offering. <P/>On XXXX XXXX 2017, when I still had only basic user access, I sent in correspondence notifying Experian.com of a legal name change. This was separate/in addition to following the standard credit bureau disputes process given that the XXXX XXXX product is maintained independently. It is now 30 days later and after multiple calls with their customer service team and assurances that the change was previously processed, no change has yet been made to my customer account. I have now spoken with multiple customer service representatives going back to mid-XX/XX/XXXX, including two representatives on XXXX XXXX 2017 and two representatives today. Today also marks my third time sending faxed correspondence to Experian in regards to this matter, in addition to sending hard copies to their XXXX XXXX. <P/>Experian.com has made me jump through hoops to resolve what should be a simple update ; surely I am not the first customer they have had that has had their name changed. They cancelled my membership, made me sign up for a new account, and work with them over the phone to re-do the identity verification process, all to no avail. As of today, they are no longer able to access any data tied to my Social Security No., since by the representatives own confession, we must have XXXX something up. <P/>I have spent at least eight hours with them to update this information. I would have given up already if I didnt see so much value in their product. Experian.coms customer service representatives have consistently been easy to interact with and completely willing to help, but it seems they are misguided and being held back by the back office teams disorganization or lack of follow-up.

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 2017-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My credit card bank provides me my credit score which information is provided to it by Transunion. When I check my credit score the website says the credit score is impacted by two problems : serious delinquency and too few accounts as paid. Neither statement is correct. I have complained about this misinformation to Transunion on at least two occasions, but while they respond by sending me my credit report - which shows no serious delinquencies, or late payments - and that the information complained about has been updated, and they send me info on the credit card payments - about which I have never complained - the information reported to my credit card bank remains inaccurate. my transunion file no is File number 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 2022-09-14
Company: EQUIFAX, 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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 3. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 12. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 14XXXX there is some inaccurate information reporting. XXXX  Account Number : XXXX Please remove it from my credit report. 15. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 16. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-10
Company: JH Portfolio Debt Equities, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Earlier this year i endeavored to resume working on my credit since i have been stable for a few years. In that process i have paid off items in collection, etc with the exception of an account (  JH Portfolio Equities #   XXXX   XXXX  :  XXXX   XXXX    XXXX   XXXX   XXXX    ). T he reason is because upon my first contact around  XX/XX/2017 , I received wildly inaccurate information from their collector,  XXXX   XXXX   XXXX . I was referred to as "  XXXX   XXXX  '', who i am not, i was told my DOB was  XXXX , which it is not. I was asked to pay on a debt outside what is legally allowed within the statute of limitations ( an unrelated account ).   Since that time and for good reason, I was able to get  XXXX  to close their file regarding that account and return the debt t o JH Portfolio Equit ies. I have a letter from  XXXX  dated  XX/XX/2017  stating such. On  XX/XX/2017   JH Portfolio Equities u pdated their report to the credit agencies.   My issue is that i still have not received an explanation as to why that accounts reported balance decreased when i have NEVER made a payment. Additionally , JH Portfolio Equities i s currently reporting a derogatory collection account while refusing to take payment ( i offered on  XX/XX/2017  ) and having no available 3rd party agency to process said payment or negotiations.

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 2017-06-06
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017 I contacted Central Financial Control to inquire how to resolve a medical debt they were collecting for XXXX XXXX Hospital in the original amount of {$1200.00}. <P/>I spoke with XXXX and requested a settlement of $ 60 % of the balance to close and clear the account with their company. XXXX accepted the payment of {$880.00} and indicated they would update my credit report to reflect " Settled Paid less than full '' and close the account. <P/>I recently received an updated copy of my credit report and noticed Central Financial Control had changed the status of the account to Settled, but however, they are still reporting and attempting to collect the remaining balance. I contacted XXXX again on XXXX XXXX, 2017, and asked why is the balance still showing unpaid when they agreed to accept a settlement. The response she provided after a 15 minute lengthy conversation was that I still owed them the balance and I should just pay it. <P/>I responded their should not be a balance owed if her company agreed to accept a settlement. I explained, how I recently on the same day I negotiated the settlement with her company, I had done so with other collection companies. Those companies had either removed their medical debt or updated my credit report to indicate paid settled and XXXX out the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, a fraudulent hard inquiry from SYNCB/PAYPAL, was pulled on my XXXX credit report, and I am trying to have it deleted as I did not authorize it.

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 2022-04-04
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act the following companies have 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 an 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 explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : Navient ( student loan company ). 
Account # : XXXX according to a new company that purchased all the loans from Navient after being sued by many States. 
new company 's name : XXXX ( XXXX XXXX XXXX XXXX ) please see the attached pictures. 

According to Navient i have been late, 60 to 120 days, the US Goverment has paused all student loans until the end of the year XX/XX/2022. 
This company has been harassing me over the phone and emails to make payments even when the President of the United States has signed the care act and has paused all the students loans and recently he has signed the forgiveness loan for many students. 
My credit has dropped XXXX points on both agencies XXXX XXXX XXXX 
This procedure violates my consumer rights in every possible way. 
NAVIENT has been sued by many attorney generals due to their fraudulent practices alongside with many Colleges, nationwide lawsuit/ Class A lawsuit. 
i seeking justice because i can't afford to have a credit score below XXXX, i'm a single parent with a huge debt due to " student loans '' that did not get me the job i was offered in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX was used to transfer money to a recipient for securing a lease on a property. Bank of America claims the service is safe and secure. 
The money was directly transferred and the recipient disappeared. Bank of America is stating there is no guarantee money will be returned and will likely take 45 days or more to make that decision.

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 2017-06-10
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,  2017 i re ceived a phone call from Tower Loans ( I have a loan from them since  XXXX     2017 for a be d i bought ). The woman on the phone did not identify herself but I knew it was Tower Loans from the Caller ID. She said " Why do n ; t you  cone in today so we can give youa {$1000.00} loan. '' I said not hank you aI already have a lo an I m pa ying you. She then said,  XXXX   XXXX  you ned to come in and pay your past due amount. '' I said I do not have a pass due amount, Iit is not due until  XX/XX/XXXX . She argued with me and said no it was pass due on  XX/XX/XXXX .I said " No, I am looking at paperwork and it explicicty says  XX/XX/XXXX  '' my sone was near me as I had phone on speaker, so he heard the whole conversation - she said " Ma'am you need to come to  XXXX   XXXX  now and pay your late payment? I was then in tears and said i can not do that and cross the bridge at my age. I then heard someone in the background say - Oh you have the wrong account! My son then jumped on the phone and demanded they make an apology to me for harassing me. The manager refused. He said we will apologize for making her upset but not apologize for harassment. That 's my case. I have never in my life been late in a payment, I 'm  XXXX   years old, a nd always make payments on time and to be treated like this to a customer. Originally I only wanted an apology for harassment, now I want monetary damages. I hope they kept tapes of the phone call. It will prove my point

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 2020-04-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$400.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: CA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-06-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
A great nephew of my wife was murdered  XXXX . When we finally got the wallet after the trial, we found a  XXXX   XXXX  prepaid tax refund card and we were able to determined that there was a little over {$1000.00} in this account. We have been try to cash this card since  XXXX . Note the great nephew only has his mother  ( m y wife 's niece ) and my wife as relatives. The mother is in a  XXXX   XXXX  and my wife has a power of attorney for her. Since  XXXX , we have contacted  XXXX    XXXX    express ten times and have faxed then different information five times. Each time we respond, they would come back and with more information that they needed and we would comply. Finally, we received a letter from t he American Express Resolution Team requ esting forms filed through the court system. In checking with an attorney, we found that it would cost us far more way more then {$1000.00} to do this. American  Express has hindered us at every turn. I guess American Express will  get to keep the money rather then the mother who needs this money to fix her teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I made a complaint against bank of america on this website. They uploaded documents with a title that made it seem as though my personal information was redacted. In fact, even titled " enclosures redacted. '' I was shocked to find the information enclosed was 100 % not redacted and my bank is not only incompetent in all other regards but now is sending out documents with my personal information. As the complain for the previous issue gets posted publicly on CFPB I now have serious concerns about the security of my personal information. I think it clearly states to de-identify submissions which I did with my uploads. Despite this website 's scrubbing process, someone may be able to identify me based on their carelessness! Please contact me asap regarding the breach of privacy.

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 2020-03-01
Company: Upgrade, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am behind a few payments on a personal loan. This company despite trying to work with me over the phone continues to send me threatening letters saying they are accelerating my loan if all past due amounts arent paid. They said theyd do it by XX/XX/XXXX now they are saying theyll do it by XX/XX/XXXX. This is despite me making payments and trying to bring my account current. Their reps tell me 120 days until a charge off but their threatening letter say otherwise. Aside from this, repeated calls and emails to an excessive level. This is a very unprofessional company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hard inquiries on my credit I dont recognize.

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