BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I, XXXX XXXX XXXX, have been ignored by your company for years now and I have been asking patiently and writing certified letters to clear up debt that was not mine and was fraud! No one has had the decency to even respond back. I have included enough information in the letters where you should have cleared my credit report and given me the perfect credit score. I am going to file a class-action lawsuit against your company, the XXXX, the state of New York, the federal government, and every employee. I am no longer asking I am demanding that you clear my credit report and give me my perfect credit score! Under the law of the Fair debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX Administrative Code ( section XXXX ). Please note that XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under XXXX regulations ( section XXXX of the Rules of the XXXX ) verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 

Because I am denying the debt, and telling you its fraud, you should not have reported it to the credit reporting agencies. You have already reported it, which is fraud, please notify today XXXX, XXXX, 2016, every credit reporting agencies that these debts have been disputed, they are fraud, and need to be deleted from my tradeline immediately or I am filing class-action lawsuits against every reporting agencies. This information is inaccurate, its fraud, and failing to clear up this matter immediately violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX ( section XXXX ) require that you honor my request. Thanking you in advance.

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 2022-05-20
Company: EQUIFAX, 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:
The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, the Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting inaccurately on my report : XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response

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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
i sent a letter out XX/XX/2020 about inaccurate personal info and still havent received a response

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 2015-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In late XX/XX/XXXX or early XX/XX/XXXX I received several voice messages and emails from Bank of America regarding my XXXX credit card. I immediately contacted the bank and was informed that fraudulent charges were detected on my XXXX credit card and the bank closed the account to protect me from further fraudulent activity. I was alarmed because I have had this account for 5 years and I have not utilized the card in more than 4 years and it had a XXXX balance with a {$10000.00} limit. The bank assured me that all charges would be reversed and any fees associated with this issue would be reversed as well. I was also told that the charges arose from a cafe in XXXX where someone was purchasing coffee and snacks. I advised the bank that I have never been to XXXX to assure them that I had no part in this fraudulent activity. The bank representative at Bank of America said that I would receive a new card in the mail in 7-10 days. When that card did not arrive I re-contacted Bank of America and was told the card should have been received so they would issue a XXXX replacement card via priority mail ( signature required ). I did receive the XXXX replacement card. My problem with this entire process is now that I have the new card the associated fees for the replacement and the fraudulent charges have not been reversed completely as Bank of America promised. Now there is a 30 day late payment on my credit report for the fraudulent charges and fees totaling {$31.00}. This late payment has affected my qualification and approval for a mortgage that I was in the process of obtaining. On XX/XX/XXXX I contacted Bank of America again to discuss this matter and they apologized for the inconvenience and assured me that the fees are being reversed and the 30 day late on my credit report would be reversed in 30-60 days. This is not acceptable. I do not want to have this negative notation impede my mortgage loan processing or impact my mortgage interest rate negatively.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am robo-called an average of 6-8 times a day from Navient. In one month, from XXXX XXXX to XXXX. XXXX. I was called 112 times. I have spoken to this company several times about my debts. They have been unwilling to accept any terms. They have called me before XXXX. I have at least one saved message from before XXXX. Several times I get a call every hour. Occasionally, these calls will also occur within minutes of each other. One example is I was called ar XXXX XXXX, then again at XXXX XXXX. I want the excessive harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I have been with Bank of America for the last 7 years along with a Small Business Account since XX/XX/2014. 
The local Bank of America Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need XXXX credit scores, as mine is at the XXXX range ( personal account not business ). They told me no things have changed, etc. 
I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes as we did due to the fact we had health issues with my husband and were late paying some bills due to issues occurring during that timeframe. 
If this is a Small Business Credit Card, why are they putting emphasis on the Personal part of my business not Business?

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 2016-09-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
they will not work with you on payment. Also I have paid over {$6000.00} over the past three years and this money paid has not touch the principal of the loan at all. I paid {$280.00}. per month for several years and XXXX another year. they are rude and I had it on auto pay and had personal issue and asked the to skip one payment and the stopped it completely and when I called to correct it they said I was several months. I also asked when my auto pay was completely shut off they said I told them too. I said no I did n't and they needed to check the call log they said they would and never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: RJM ACQUISITION LLC
State: AK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
When this debt was reported to me I had made three attempts to settle my original debt with XXXX creditor in the sum of {$99.00} for a false claim that I owed that sum. My checks were returned XXXX time from XXXX XXXX with the explanation that I had already met my purchase obligations. Funds were available in my accounts I used to send checks for XXXX that I had already paid for under the clubs mandatory purchase policy. This original transaction with my XXXX creditor took place sometime around XXXXwhen my check was returned. My account was passed to RJMXXXX around XXXX XXXX, XXXX and I continued to dispute that collection notice. 
RJMXXXX continued to harass me over the next 2 years for the {$99.00} sum that they claimed I owed since I refused to pay until they were able to prove that I owed that original debt but they were never able to produce any documentation from XXXX that I failed to meet my obligation in purchasing the required membership DVDs. 
I eventually relented and paid the {$99.00} sometime in XXXX XXXX. 

My RJMXXXX account number reads XXXX I recently attempted to contact RJMXXXX at the following address : RJM ACQUISITIONS LLC/ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone # : XXXX The reason for my recent attempt to call RJMXXXX was to ask them to remove this {$99.00} collection notice from my credit report since I consider it to be incorrect and I have continued to dispute this item from the inception. 

As of today 's date I have not been able to contact RJMXXXX or any of their representative that have inherited their active accounts since I have been informed that RJMXXXX is no longer handling my account and every number that I call is either not in service or the representative or their supervisor can not do anything about my request since they do n't have my account since has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: ERC
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:
This company has reported A A debt to my credit report for A debt that says XXXX. I have never had sevices with this company nor their affiliated company. I sent A written request asking for validation of this debt showing I owed the debt and was never responded to. Instead the company reported this inaccurate information to my credit reports refusing to validate the debt as I requested in writting. There has been no dunning letter at all! FDCPA section 809 ( a ) requires that a debt collector send a written notice containing certain information about the debt and actions the consumer may take in response to a consumer within five days of the initial communication. I was NEVER notified of such debt, I have NEVER had an account with this company nor their affiliated company XXXX. I attempted to see if this company was bonded in Texas to collect since it comws across as A scam. Federal laws protect me from these type of collectors and they have broken several laws by KNOWINGLY reporting false information. When I wrote the letter I advised the cpamy I WAS NOT ASKING FOR A BILL STATEMENT BUT A CONTRACTUAL AGREEMENT SHOWING I XXXXXXXX XXXX HAD THIS SERVICE IN MY NAME! The company REFUSED to provide such validation and instead slapped it on my report. I'm filing the complaint to have A paper trail because next step is an attorney for this fraudulent company reporting information that is inaccurate on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Was not notified of investigation status or results

Complaint:
i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted

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 2016-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX mortgage is reporting to all bureaus of delinquency. I contacted XXXX and disputed the matter and it was removed. Transunion is NOT showing a late payment and also XXXX failed to remove the error. The charts that reveals the monthly payments are green and paid as agreed but yet, XXXX is still reporting to the other XXXX transunion and XXXX as delinquent. 

Transunion is also reporting my age of first credit to be at 6yrs 3mths which is false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: T.S. Holdings
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:
I have reached out to XXXX via mail dispute in XXXXXXXX XXXX XXXXXXXX  in regards to an account that was incorrectly reporting on my credit report. On XX/XX/2021 XXXX Sent me a letter in regards to the dispute and gave me false information that the account in question was not reporting on my credit, but in fact is reporting on my credit, and is not allowing me to get an apartment because of this. The company IQ Data International. This debt has gotten removed from XXXX and XXXX but XXXX have been giving issues with this for the last year. 

This company has reached out to me multiple times via mail and phone after I asked for a proof of debt, and every time the company would say I simply owe the debt with no proof. I kept trying to tell the company that this debt was paid when I moved out of this apartment over 5 years ago. 
Also the company has been adding on interest to the debt that I never agreed to in the original contract. This debt is not a credit card, this company has no right to claim interest on a debt involving tenant bonds. Every-time I ask for a print out of the interest the company states its apart of the policy. They are misrepresented the debt on my credit report which is direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX  XXXX   XXXX {$11000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30  days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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:
TransUnion states according to my file numbers that they have investigated and reinvestigated the XXXX XXXX account they are reporting. I have submitted disputes outlining factually incorrect data that I dispute and it is returned " Verified '' and " Updated '' and it has not been updated. Results sent to me are dated more recent than the " Date Updated '' field, and other incorrect and inaccurate data. They have stated to me that there are not " any open disputes '' for this, although I sent it to them on XX/XX/2022. TransUnion has not performed a proper investigation ; and it has not removed/deleted the account according to my rights under the FCRA, the reporting of inaccurate, unverified information.

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 2022-05-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XX/XX/22 I SENT CERTIFIED FTC REPORT AND 605 B LETTER TO EQUIFAX INFORMING THEM I HAD BEEN A VICTIM OF IDENITIY THEFT. EQUIFAX IN RETURN DROPPED MY CREDIT SCORE TO XXXX. IVE TRIED REACHINGTHEM BUT COULDNT GET ANY HELP FROM THEM THIS IS REALLY HINDERING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: SC
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:
Please see identity theft report. I have consistently disputer fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I believe Navient has designed their systems ( online in particular ) to be extremely difficult to pay loans off. When searching their FAQ section, there is no section giving information for payoff and to locate the " payoff amount '' requires quite a bit of digging. Even when you locate the payoff amount, making a payment in that amount on the date the amount was said to be good for did not satisfy the loan. Additional interest was charged to the account, likely because their system takes several days to process an online payment. Ultimately we did resolve the payoff of the loan, however my request to close the account has been ignored. I have not had this kind of problem with any other student loan company and it leads me to believe that Navient has taken deliberate measures to make paying a loan off early as difficult as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ever since TD went to an automated system regarding suspicious transactions, I have had countless, countless times my card has been blocked during overseas travel. Even though I have been in XXXX for 2 years now, they block it about every two months for " suspicious transactions. '' Same ATMs, amounts, dates etc. 

The last 3 months, they have blocked it each month and it's a nightmare to get unblocked. The standards change every time. 

I do not have a US phone number here. Its incredibly expensive to maintain. Sometimes they will send a code to my XXXX phone, sometimes not. 

When you have repeated incidents at this number, for the same problem and they don't fix it, leaving me in a foreign country with no access to funds, they need to be forced to make changes. This obviously is affecting more people than just me. 

It is also, in legal terms, negligence if not XXXX  negligence, breach of good faith etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: CITIBANK, N.A.
State: TX
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 reported XXXX fraudulent charges on my credit card to the card issuer on the same day the charges appeared on my account. The issuer closed my card and sent me a replacement card. However, issuer refused to remove the XXXX fraudulent charges from my account. Instead, they kept playing games with me.

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