BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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:
On XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT .TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET.I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES.SECTION 611 ( a ). IT IS PLANLY ATATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT.I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY, MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I had a little over {$23000.00} in student loans when I graduated in 2017. Upon entering the workforce as a temp, my repayment plan was still paused until 6 months after graduation. When the bill started coming due, I was working 40 hours a week at {$8.00} an hour, which comes out to about {$1000.00} dollars a month. My rent was {$750.00}, my car insurance was {$200.00}, and any other costs of life added to more per month than I was making. When I requested an income based repayment plan in XX/XX/2017, all I could pay was interest. I was making no headway on my actual student loan bill, instead my hard earned money was going into the pockets of a company that had zero desire to offer me other solutions. They make money off people who can't pay their bills, it's predatory lending at its finest. This is absurd. I am officially down to {$18000.00} in total after consistently paying on them for 4 years. All I've managed to pay is a total of XXXX dollars because the majority of my bill went to paying interest on a loan I didn't know would be making money to wealthy CEOs. Fix this broken system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
on XX/XX/XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into XXXX XXXX XXXX business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
XXXX did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to XXXX XXXX that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help

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 2017-10-23
Company: EQUIFAX, INC.
State: CO
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 account delinquent when it was discharged in CHP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX DATE OPENED XX/XX/2021 BALANCE {$0.00} ACCOUNT TYPE XXXX XXXX XXXX XXXX XXXX XXXX  MONTHLY PAYMENT {$0.00} HIGHEST BALANCE {$360.00} RESPONSIBILITY Individual ACCOUNT DISPUTED No REMARKS Closed CREDITOR INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX DATE CLOSED XX/XX/202 has 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 a account without my written instructions there is {$1000.00} penalty if you do not remove

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 2021-02-18
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATLCRSYS is claiming that I owe them {$350.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAP ITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX : XXXX, XXXX of XXXX XXXX. There is no XXXX party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX XXXXXXXX, Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!

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 2017-11-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I signed up for a BMO Harris Smart Advantage Account on XX/XX/XXXX using a publicly available link on the BMO Harris website that promised to pay {$200.00} for new checking accounts. I have screenshots of the website page on the date signed up showing the promotional terms and conditions. I 've met all of those conditions, and BMO Harris refused to pay me the {$200.00} bonus as promised.
I spoke with two BMO Harris agents in XX/XX/XXXX and XX/XX/XXXX about this issues, and they claimed the bonus would be paid on XX/XX/XXXX which was approximately 120 days after account opening as specified in the terms and conditions. It 's now XX/XX/XXXX and still nothing. 

I chatted with another BMO representative on XX/XX/XXXX named XXXX. He was terribly unhelpful and unwilling to assist. He simply lied and claimed the bonus would be paid later in the month at some point. He could n't even provide a specific date, even though the terms and conditions clearly show the bonus should be paid by 120 days after opening, and other BMO agents confirmed so.

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 2021-04-22
Company: AFNI 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 have a {$140.00} debt being reported by XXXX XXXX XXXX now the collection company XXXX XXXX On my credit report that is incorrect. The overdue balance is for XXXX and I have not had an XXXX  account or phone for at least 8-10 years. The account, I assume, belong to my now deceased husband from whom I was separated from XXXX forward. I had notified XXXX XXXX XXXX back 8 to 10 years ago on a few different instances that I no longer had a phone number associated with them or a phone and to remove me from the account and they told me each instance that they would. Since his death Ive been harassed by XXXX calls On numerous occasions, too numerous to list and I have explained the situation each time to no avail. I also contacted XXXX XXXX XXXX and was told that I would need to speak to the collection company. I disputed the charge on my credit report and the XXXX XXXX investigation found the information to be accurate thus it was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
DO NOT BE AFREAID OF A NAME! DO THE RESEARCH! THIS IS NOT A GOVERNMENT AGENCY. THE CFPB PREVIOUSLY CLOSED A COMPLAINT. 
THE OFFICE OF THE ATTORNEY GENERAL IS NOT A GOVERNMENT AGENCY! 
THEY ARE A PRIVATE BUSINESS NO DIFFERENT FROM XXXX AND OR XXXX 'S! 
THEY HAVE NO AFFILIATION WITH THE ACTUAL ATTORNEY GERNERAL OF THE STATE OF TEXAS. 
Further, A government agency does not have customers etc. This Company is listing a LOAN on my Credit that DOES NOT EXIST. They Cant and Wont Validate the Debt per FEDERAL LAW 15 USC 1692g!

They are to be removed from my Consumer report Immediately.

Again : Sent Multiple Certified Letters regarding an alleged Debt and or a Ficticious Loan by The TEXAS OFFICE OF THE ATTNY GEN THEY DO NOT REPOND AND THEY REFUSE TO VALIDATE THEIR CLAIM YET CONTINUE TO GARNISH MY WAGES AND REPORT ON MY CONSUMER REPORT AND DESTROY MY REPUTATION. THEY WILL NOT REMOVE THE FOLLOWING ACCOUNT : Account ( s ) : OFFICE OF THE ATTY GEN Account : XXXX In accordance with the Fair Credit Reporting Act. The above Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 15 USC 1681 Section 602A. States I have the right to privacy. 15 USC 1681 Section 604A section 2 : It states a consumer reporting agency CAN NOT furnish an account without my written instructions. I submitted a complaint with the XXXX  and the Attorney Generals Office. This Collection Agency is volating my rights and costing me dearly. 
TO CONTINUE TO REPORT THIS INFORMATION OR ALLOW THIS INFORMATION TO CONTINUE TO BE LISTED ON MY CONSUMER REPORT IS A VIOLATION OF FEDERAL LAW. 15 USC 1681 ( N ) WILFULL NONCOMPLIANCE AND I WILL SEEK MONETARY DAMAGES FROM ALL PARTIES THAT DO NOT COMPLY WITH THIS FINAL DEMAND, IF THIS IS NOT HANDLED 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 2022-05-02
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX : XXXX, XXXX of XXXX XXXX. There is no 3rd party submitting documents on my behalf! Hello XXXX XXXX! Youve stated XXXX XXXX XXXX that you guys confirmed my account did not have any payments made for the months of XX/XX/XXXX through XX/XX/XXXX when IN FACT the account was paid in full the moment my credit card pursuant to 15 USC 1602L was accepted. You also said youve confirmed there were payments made to the account that were less than the required minimum amount. & enclosed my XX/XX/XXXX through XX/XX/XXXX billing statements and collection letters, which reflect the delinquency progression on the account. XXXX  XXXX, Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave You, XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices. Please see Attached documents for Exhibits!

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 2017-10-23
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
Opened a XXXX XXXX card from American Express, with a signup bonus of XXXX Membership Rewards points after spending {$5000.00} within the first 3 months of the account being opened. I opened this card on XXXX of XXXX, and met the spend requirement in XXXX. Since then, I have had to contact American Express multiple times about the points not being awarded to my account. In XXXX, I was told that the issue was under investigation, and that a decision would be made by 8 weeks. On XXXX XXXX, I once again contacted Amex to see if progress was made. I was told by the customer service representative that the case was closed in my favor, and that the points would be " soon ''. The cause of the this delay was apparently a " technical issue ''. For over 5 months I received no information about the existence, cause, or resolution of this issue and had to contact Amex multiple times to check my case 's progress. Finally, after contacting two representatives on Amex 's chat tool, I was told that I would need to wait another statement period for the points to be awarded. Amex has already taken responsibility for this " technical issue '' and has offered very little in amending the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: NC
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: Problem getting your free annual credit report

Complaint:
I have never received a credit report from NOBODY BUT EXPERIAN SAID I ALREADY GOT ONE

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 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing this complain on behalf of my wife. I have permission. She also gave me permission to discuss this account with Capital One. That permission was granted on a recorded line with Capital One when we were attempting to resolve a late fee charged to this account. It is a shame that this bank would not credit back a late fee when the amount due was paid less than 24 hours after the due date. I am unemployed but hustle and do XXXX and XXXX. My wife does as well. That is not alot to take care of a family of XXXX. It is a disgrace that this bank would not have compassion. We have never missed a payment on this card. Maybe a little late a few times but never missed. A {$28.00} late fee is alot for us but very small for them. These people don't give me a credit of {$28.00} for being early. They refused to credit my wife 's account because they did back in XXXX of XXXX. It still is basically stealing from a family doing the best they can to get by. Capital One got bailed out by the government back in XXXX and received billions from taxpayers to bail them out. But when it comes to helping others they turn a cold shoulder and say " sorry XXXX you and I don't care if you can't get out of debt because we will always get our money. '' I will tell everyone I know how uncompassionate this bank is. I hope this gets published and read it. Don't do business with this bank. They are very quick to sue if they don't get their money but just as quick if not quicker to take a handout from taxpayers. They should be ashamed of the unequal measures they apply and how they do business. I have to come up with money given my situation so sometimes it is hard to get it by the due date with my rent and other things like food have to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NATIONAL CREDIT SYSTEMS is reporting false information on my credit files. I have requested that they validate and the alleged debt but to no avail This is not my account and i did not rent an apartment, i request that this account be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent a letter requesting the removal of several accounts that are inaccurately reporting to my credit file. It has been 60+ days and I have not been updated on the investigation status.

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 2017-06-30
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: Public record information inaccurate

Complaint:
Trans Union continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
<P/>
( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX VA XXXX Status : Docket # XXXX, DISMISSED.
<P/>
Trans Union continues to list the dismissed bankruptcy on my credit file. Trans Union 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated.
<P/>
Therefore, Trans Union has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.

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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent the Transunion, and affidavit, cease and desist, exhibits, ID theft report, and a Invoice In XXXX, XXXX, and XX/XX/2021.

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