BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: The Capital Good Fund
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a loan for the amount of {$1500.00} from Capital Good Fund on XXXX XXXX XXXX This company appears on its website as if they are helping XXXX  with lower interest rates for loans which is not true. They are using and XXXX XXXX. I sent them an email in XXXX and asked for payment deferral to XXXX. They charged my account for XXXX and XXXX in the beginning of XXXX. I was in the process of moving and I applied for a mortgage. Then I realized that Capital Good Fund put a derogatory mark on my credit as if I had a pastdue balance for 2 months whereas I had no pastdue balance. I got denied for mortgage. I could not apply for rental apartments when my credit score fell XXXX points down due to this incorrect reporting by this company that was supposed to be helping XXXX I spent a lot of time with disputes and complaints for 3 weeks. After 3 weeks of stress and complaining, the negative comment on my credit was deleted and their representative sent me an apology email. An apology email is NOT enough for ruining my plans. I ended up paying {$250.00} more rent every month because of this company. I demanded them to waive the remaining balance which is around {$1100.00} for their negligence that affected my life severely. But they refused. I will not make any future payments to this company that destroyed my plans and my economic situation. If I am paying {$250.00} more rent every month because of this company, they are liable more than just a simple apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I was able to take a XXXX forbearance on my home loan. Due to pandemic the doors to my employer closed down. Citizens One made it easy to utilize the forbearance as an option. After my forbearance period was over XX/XX/XXXX they had me contact them to set up payment options. I was told the past due would be put on the back end of the loan. They directed me to fill out a loss mitigation application. I did so. 
I submitted all required documents needed. Nobody updated my account for months. I tried to make a payment towards my mortgage and my payment was returned to me. They said no payments are allowed to be accepted during this time. Months went by no update. I contacted them again. Suddenly I got a letter in the mail saying i have been denied due to incomplete application. I challenged this with the representative. They said resubmit all the documents again. Months passed, finally i got a response in the mail stating that i had two options. Died in lieu or short sale. only two options.

This was not my plan to sell my home. I was mislead and they said that they can not allow due to so many months of non payment. Where do i go or what do i do. This is unfair. How can anyone expect to be able to pay lump sum at one time after forbearance and then not be given any options to resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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 information incorrect

Complaint:
I'm currently in XXXX XXXX XXXX on vacation. Today 's date is XXXX, XX/XX/2022. I was located at XXXX XXXX from XX/XX/XXXX to XX/XX/2022. 

XX/XX/2022, I paid off the balance on my credit card {$680.00}. XX/XX/XXXXXXXX XXXX XXXX charged my card for services. XX/XX/XXXX Experian XXXX XXXX took XXXX points away from my credit score MY CREDIT CARD IS DUE XX/XX/XXXX! 

I paid off my credit card on XX/XX/XXXX Experian XXXX XXXX had no legitimate reason to decrease my credit from XXXX to XXXX. My credit card payment is due on XX/XX/XXXX .... 

Please investigate this issue. 
XXXX. XX/XX/XXXX I paid off the balance on my credit card {$680.00} XXXX. XX/XX/XXXX Viva Safaris charged my card for services used a XXXX XXXX. XX/XX/XXXX Experian XXXX XXXX decreased my CREDIT SCORE from XXXX to XXXX XXXX. My payment is due XX/XX/2022 This business practice is discrimination against me! My credit card payment is due XX/XX/2022. There's no legitimate reason to DECREASE my credit score. I paid off my credit card on XX/XX/XXXX. 
XX/XX/XXXX my credit score was decrease by XXXX points! 

I have always paid each credit card off each month. Please investigate this matter Experian.. 

MY CREDIT SCORE SHOULD NOT HAVE BEEN DECREASED. I PAID OFF MY CREDIT CARD XX/XX/2022. 

My credit card is due XX/XX/2022 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 2023-06-02
Company: Experian Information Solutions Inc.
State: NV
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: MA
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:
Experian you are reporting inaccurate personal information on my consumer report. I have file a dispute informing Experian that my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I have provided as proof of my correct address my Massachusetts state issued driver license and utilities bills clearly showing my correct address. I demand that Experian remove or delete ALL other inaccurate addresses from my consumer report immediately. I would like to remind Experian you are violating the Fair Credit Reporting Act after I have notified you by continuing to report this inaccurate information after I have provided proof of my correct address. I have uploaded as proof of my correct address and utility bills for your review again. Please see attached

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 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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 recently pulled my credit report from XXXX AND EXPERIAN AND XXXX, and there's multiple inaccuracies, fraud, Identity theft and unauthorized use of my information without my consent! U.S.C 1681 ( b ). which is against the law under 15 U.S.C 1681 602 a section 2 ( A consumer reporting agency can not furnish an account without my written consent. an i never sent any type of instruction to report any of this inaccurate information an inconsistencies throughout all 3 reporting agencies I have 8 hard inquiries reporting from XXXX and no accounts are open,15 U.S.C 1681 ( n ) to any of those said inquiries. so which have caused damage to my situation as a consumer, ive been denied credit that i am creditworthy for numerous times due to the inaccuracy and fraud these reporting agencies. My social security was used without any benefit to me and is Unacceptable, I the consumer have the right to privacy. ( 15 U.S.C 1681 602 A ) i never gave permission to report old addresses, old numbers, incorrect name across the 3 agencies. Under the FCRA and FDCPA these companies ( EXPERIAN, XXXX, XXXX ) I've even sent all 3 of these credit reporting agencies update on my address and number and full name. And still hasn't been corrected fully. they have violated my rights as a consumer and I DEMAND compensation for EVERY VIOLATION and CORRECT MY REPORT or you will be held accountable for civil liability according to 15 U.S.C 1681n ( a ) ( 1 )

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 2022-04-27
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express is charging me {$98.00} interest on a purchase for a full month despite having paid off the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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 information incorrect

Complaint:
I've attempted to have Experian investigate and Remove any accounts that can not be verified as belonging to me to no avail.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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.

Section2. It also States consumer reporting agency can not furnish a 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 2023-01-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citizens XXXX has continued to call me daily, for the last few weeks. This week they have called more than seven times, which is becoming predatory at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempting to collect a debt that has not been validated and they are in violation of Texas Finance Code 392.101 Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

I have also filed a complaint with the State Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Choice Recovery, Inc.
State: WA
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:
Between XX/XX/XXXX - & XXXX XXXX XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$710.00} XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$730.00} XXXX XXXX, XXXX Choice Recovery illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, & XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX far a hard inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX  XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX & XX/XX/XXXX Port XXXX XXXX XXXX XXXX XXXX illegally reported a hard inquiry to XXXX, XXXX, XXXX XXXX for a hard inquiry. 
XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXr ( XXXX XXXX, SD ) illegally reported an improper use of report to XXXX, XXXX, & XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. ( 15UCS 1681 SECTION 604 A SECTION 2 ) States that a Consumer Reporting Agency " can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CITIBANK, N.A.
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB my grandson figured out my cell phone 's password and while playing video games proceeded to make XXXX charges with XXXX XXXX, and XXXX via XXXX in the amount of {$1800.00}. The charges were incurred from XX/XX/XXXX through XXXX/XXXX/XXXX. I did not authorize these charges and did not have knowledge that my credit card was being charged, until I received a statement from the credit card company on XX/XX/XXXX. I consider these charges as unauthorized, no different from fraud. When I received my statement, I contacted the credit card company and informed then of the unauthorized charges and asked to cancel the card. I also asked how this matter could be resolved and they told me to contact the vendor. I contacted XXXX, they asked me to file a complaint. After a few days, I was notified by XXXX stating that they would not credit or reverse the charges to contact my credit card company ( CitiBank ). While filing these complaints with XXXX and CitiBank ; XXXX notified us that an additional XXXX charges were made between XX/XX/XXXX through XX/XX/XXXX in the amount of {$2000.00}. I took the necessary steps to remove access to the device, but the damage was done. I was never notified that these charges were being accrued to my credit card. I have not paid these bills, and CitiBank has threatened me with credit reporting. I would like the CFPB participation in resolving this dispute if possible. I think that I should have been alerted of these charges the first day which they occurred and can not be responsible for unauthorized use of my credit credit card information. I can't possibly be the only consumer to have experienced this type of unauthorized charges. I look forward to your response. Regards, 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 explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX, Equifax, XXXX XXXX XXXX Account open XXXX Late Payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Account opened XXXX These not my accounts, I've contacted the creditor and the credit bureau about this matter and no one has shown me proof that's my account or even reached-out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Department of Education, In accordance with the executive action done by President Biden and the Department of Education XXXX am entitled to up to {$20000.00} on federal student loan forgiveness as a XXXX XXXX XXXX. 

Given that, I am hereby requesting that the Department of Education completely discharge my federal student loan account that has a balance currently of {$16000.00} and report the account as having a {$0.00} balance to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
These consumer reporting bureaus have continued to defame my character since I have never given written authorization to share any of my personal information including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only my character, by causing humiliation, stress and health issues. Please investigate and delete it to my credit report. No record of this BANKRUPTCY is to be added back ever again. I request to removed within the next 5 business days and send me an updated consumer report after deleting said BANKRUPTCY.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX US BKPT CT XXXX XXXXXXXX, 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

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 2023-08-23
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I currently have student loans with EdFinancial. They erroneously reported to the National Student Loan Database that I am in student loan default. This was reported to my schools financial aid department and now I am unable to get student loans and it has negatively affected my credit. EdFinancial admitted this was an error on their end and that they would send a letter to the NSLD and the financial aid department within 7 business days. This did not happen and they are now stating it will be 40 business days before they can draft a letter stating this is an error on their end. This is negatively impacting my life in every aspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, I opened a business account just two weeks ago at the XXXX XXXX ( XXXX ) Business Center XXXX XXXX XXXX XXXX, XXXX CA for a new business. After opening the account with the business account representative XXXX, we both walked to the front counter and deposited {$10000.00} case into my BOA Business account with the business clerk. She counted the money in the machine and then said she would deposit the funds. Today I logged in and noticed that my Bank of America Business Account balance is XXXX XXXX. There is no transaction or transfer history as I have not even had a chance to use the account yet. 

Where is my money? I am going to miss a bid on a property for my business because of this!! The money isn't there. 

I have cc'ed the account representative tha assisted me with opening the account. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA Acct : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation