BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: NC
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:
on XX/XX/2021 the Department of Education consolidated my student loans to reflect one ( 1 ) Education loan. This was due to them having multiple loans open under one loan umbrella. During this time there were several late payments that occurred from the Dept of Ed not being transparent with payment methods and dates, i.e. I took a leave of absence from college before returning the next semester. 

However, when these loans were consolidated they were supposed to close out all negative aspects of the previous loans. On XXXX and XXXX this indeed was done. On Experian, they continue to populate the closed debt reports as of late payments. I tried numerous times and also spoke to employees of this credit agency to rectify the issue. They refuse to abide by the law and perform their required duty.

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 2018-12-14
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment to my outstanding medical bill at the Hospital in the amount of {$800.00} on an outstanding balance of XXXX. I contacted the billing department to confirm that a prior payment of {$700.00} on my FSA account had processed because I had found a notice that it had not. The billing dept had confirmed that it posted but there was still an outstanding of {$1600.00}. I informed them that I had made an {$800.00} payment earlier that day. They said that they would likely not see it post until XX/XX/XXXX. I inquired about making payments on the remainder and was transferred to a different individual. When I requested a repayment plan she informed me that the account had been turned over to collection and that they would set-up a repayment plan. I informed her that was not something I would want to do and that I would pay the entire amount. She asked if she would like me to be transferred to their payment department which I agreed to and she did. I paid the remaining amount of {$860.00} to the hospital cashier over the phone to clear the balance. I asked the person in the billing department that had transferred me to the hospital cashier concerning the collection status and how that would be addressed since payment would be made in full. She indicated that there would be a report from the Hospital to the collection agency that the balance was paid in full to the hospital as XX/XX/XXXX or XX/XX/XXXX. Today XX/XX/XXXX, I received a form letter dated XX/XX/XXXX from the collection agency demanding payment or further actions would ensue. I have attempted to contact the number provided by the agency several times during their stated business hours. I get a recording that all reps are engaged and that I am being placed in a call queue and then disconnected. My contention is that AR should know or that it is their responsibility to know that no such debt exists. I want to make sure that they can be stopped from reporting anything to a credit bureau on an amount that does not exist. My current score is greater than 800

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This XXXX  amount is not owed due to my information being leaked while a customer first of all. Secondly this showed up on my credit report with no warning and no communication so that I could legally exercise my right to a dispute with this company. I want this entire amount of this debt taken off of my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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:
According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX Allegedly {$10000.00} high balance. Allegedly Balance owed {$10000.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: FL
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 Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: In progress
Consumer complaint received 2022-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2022 XXXX ( US ) transferred my accounts ( checking, saving, and credit card ) to Citizens Bank as part of closing its US operations ( without offering me any choice ). 

Citizens has so far made no provision for account holders who do not reside in the USA ( you have to give a US telephone number to register ), so I have no online access at all. At least one person that I spoke to was aware of the problem but said resolution was indefinite. 

Also one can not withdraw funds via its telephone system, so I do not have any access to my money as far as I know. Obviously the situation causes me some difficulty. 

Surely this is strange behaviour for a bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Financial Institutions such as Capital One are Circumventing and Evading Rule E, and Consumer Protection Law 's Ref.U.S.C.1693 and others by refusing lawful payment that can NOT result in Overdraft Fee 's, and requiring only payment methods that CAN result in Overdraft Fee 's. Because this is happening to Millions of Consumers and not just me individually, and costing over 8.5 billion dollars each year, the CFPB needs to Update Rule E in order to close the loop holes, and allow Consumers the right to choose NOT to opt in, and NOT pay Overdraft Fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XX/XX/2023 Consumer Financial Protection Bureau Complaint Regarding Charged Off Repossession on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a charged-off repossession that has adversely impacted my credit report. The purpose of this complaint is to seek assistance in rectifying this matter and achieving a fair resolution. 

Account Information : Creditor Name : XXXX XXXX Account Number:XXXX Charged-off Amount:XXXX Account Information : Creditor Name : XXXX  Account XXXX Charged-off XXXX I am deeply concerned about the charged-off repossession appearing on my credit report, as it has significantly affected my creditworthiness and financial standing. However, I strongly believe that this repossession was unjustified and should not have occurred in the first place. 

I have taken the necessary steps to improve my financial situation since the repossession occurred. 

I am attaching copies of relevant documents, including credit reports, payment receipts, correspondence with the creditor, and any other evidence that supports my claim. These documents serve as proof that the charged-off repossession has been an unjust burden on my credit history. 

I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to ensure the charged-off repossession is removed from my credit report. Additionally, I urge the creditor to rectify any inaccuracies or discrepancies on their part that led to the repossession and its subsequent charge-off. 

I seek a fair and just resolution to this issue, as it directly impacts my financial well-being and future opportunities. Removing the charged-off repossession from my credit report would greatly alleviate the difficulties I have faced in obtaining credit and financial services. 

I appreciate the assistance and attention of the Consumer Financial Protection Bureau in addressing this matter. Please find attached all the necessary documentation to support my complaint. I look forward to a prompt response and resolution to this concerning issue. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/XXXX I was charged 3 x {$30.00} ( {$90.00} total ) for the first checked bag fee on XXXX XXXX domestic flight for myself and 2 companions. 

At the time I had a Gold card and was told on the phone by a Citi agent prior to this flight that I would not be charged for 1st bag fees as I encountered on a prior flight. They would fix it in their system and make sure my rewards were correctly linked. 

However, I was fraudently mislead as I was charged the {$90.00}. This apparently because it is not a Gold benefit, but only a Platinum credit card benefit. If I was correctly informed, I could have avoided the fees by upgrading to a Platinum card, or planned baggage differently. 

Citi acknowledges that the agent misinformed me, but that it is not a benefit for the Gold card. That is the same to me if a retailer informed me that something was free, but then charged my credit card anyway. I'm sure in a dispute Citi would agree that is not right and my charge would be reversed.

I'm asking the same for Citi, that they will refund me this charged that Citi told me wouldn't be charged. It is not my fault their agent was not appropriately trained to provide me the correct 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 monetary relief
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-25
Company: EQUIFAX, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX Balance Owed : {$680.00} ; XXXX/XXXX XXXX Balance Owed : {$480.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1600.00} ; and XXXX XXXX  XXXX Balance Owed : {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: A&D Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My structure on my property at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN completely burnt down on XX/XX/22. I have reported it to my mortgage company A & D mortgage. Even though there is no more structure on it, they are illegally placing a lender-provided insurance policy for a non existent structure at the cost of XXXX XXXXXXXX on it and want me to pay it. This is fraud. 

Completely bizarre. 

Another arm of their company disbursing held insurance proceeds for me the build the structure back which is even further proof that the structure no longer being there. However, their insurance division insists on insuring a structure that is no longer there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vehicle was repossessed on XX/XX/XXXX at XXXX XXXX in the morning. I had a schedule payment of {$990.00} that was returned on Monday by my bank. I made a {$250.00} payment via XXXX XXXX on XX/XX/XXXX and call to reschedule the {$990.00} for Friday XX/XX/XXXX but was locked out of my online account. 

I never received the certified notification required by the state of Maryland. Ally Financial keeps directing me to call the repossession department. 

When calling the repossession department I get disconnected when I enter my account number or social security number. The customer service department can give me no information about why it was repossessed and has not sent any notification of repossession. 

Ally also doesnt not accept certain credit card transactions with no explanation. They take days to process scheduled payments also.

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 2022-12-03
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX BANK XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX Balance Owed : {$680.00} ; XXXX/XXXX  XXXX Balance Owed : {$480.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1600.00} ; and XXXX XXXX  XXXX Balance Owed : {$4100.00}.

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 2023-11-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I provided an account number and name of account to someone to revive funds. They went to get them and they were never deposited I called MoneyGram and they told me there was a mistake made on one of the numbers. They filed a report and said they would get back to me. They did not. I called and emailed 6 times or more and each time the person said they had no access of the account number it was suppose to go to. I emailed proof of the transaction yesterday because I received an email denying my claim. What they sent me has no numbers for me to see if it was done correctly. They blacked them out. That doesn't do anything for me. Just hides their obvious error and they stole from me!

Company response to consumer: In progress
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: Checkr, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I tried to start driving for XXXX and XXXX. I told XXXX that whatever background check they have is old and inaccurate. XXXX did not let me sign up. XXXX uses the same company and the background is coming back with adverse info which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts to resolve please delete from Diversified Adjustme-XXXX Account # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received call approx XXXX telling me we owed XXXX to XXXX XXXX, an apartment we rented back in XXXX gent told me we had until XXXX to satisfy debt, or they would report to credit bureau XXXX I received an alert from credit bureau, and it turns out they had aready reported to them. I still have not received any validation of the debt. Now, of course my current lease is up in XXXX, and with this on my credit report, I will not be able to get an apartment..I have bank statements for the last XXXX years showing all my bills paid ( XXXX XXXX  ), and there is no way this charge is valid, and now that apartment building has been sold to new owners.

Company response to consumer: Closed with explanation