BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. 
these items are erroneous and misleading and must be investigated again. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  XXXX Balance : {$7700.00} XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00}

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 2022-03-11
Company: Apelles, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/22 I received a letter from Apelles in reference to an alleged amount due to XXXX XXXX for {$110.00}. To my knowledge, I have never agreed to do any business with Apelles. As of my right, please provide written validation of any business agreement with your agency ( Apelles ) per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX a letter I sent to Capital One requesting validation of an account was signed for and received. Capital One did respond on time however, they failed to provide to me proper evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to them. In addition I have proof Capital One did not furnish the credit bureaus with the required disclosure, within the period required by law. Capital One is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. I  sent a follow up letter to Capital One notifying them that they had not complied with state and federal laws and it was signed for on XX/XX/XXXX. Capital One 's response was a letter to me asking me for more information such as an account number and full social security number thus proving that they can not validate the account they are reporting. Since Capital One has not been able to furnish orginal signed contracts with my name and has been in violation of state laws I am asking they remove the trade line from all 3 credit bureaus. I have attached copies of letters and receipts from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
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:
Remove this account listed below in accordance with FCRA 1681b ( a ) ( 2 ). 


XXXX - # XXXX Additionally, Title 15 U.S.C 1681 Section 602 states I have a right to privacy.

.

Title 15 U.S.C. Section 604 states a consumer reporting agency can not furnish an account Without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX Im writing to file a complaint against Navient Student Loan servicer. I graduated in XX/XX/XXXX. I have paid my loans for over 20 years at {$500.00} a month. No easy payment for my family. Oh and when times were tough and I called them, they steered me toward forbearance .Which I think I did for a year. They never once told me that had I been in a different monthly plan, such as income driven, my loans would be paid off in 20 years ( XXXX ) 25 years ( XXXX ). Im on social security now and am retired. These loans have been paid many times over the original amount. Im asking for help to have my loans forgiven/ ended as they would have been had it not been for Navients deviant practices. 

Anything you can do to help me or steer me in a direction where I may get assistance with this matter, would be deeply and greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I diaputed transactions with Bank of America about an order that I didnt recieved. I disputed XXXX {$100.00} transactions on XXXX XXXX. I was told that after 10 days if the dispute is not resolve with ten 10 days I will recieve a temporary credit while its being investigated. I was supposed to get a trmporary credit today because its been 10 days. I called bank of america they said that I wont be getting the temporary credit due different reasons that I dont get.

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 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: 2288984 Ontario Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am filing a complaint XXXX XXXX for operating a payday loan service in the XXXX of Arkansas and charging customers interest rates beyond the allowed limits in the state of Arkansas of 17 %. Also, under Arkansas XXXX payday lenders are prohibited from providing loans to customers in Arkansas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
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:
This is my complaint to TRUIST BANK for taking no action on correcting and removing the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2021-06-02
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I send bureaus a letter notifying them that if the failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Since I don't receive any feedback, I don't have any option but to seek legal remedies to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
To the CFPB I'm submitting this complaint against XXXX XXXX XXXX XXXX XXXX because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX. This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at XXXX XXXX XXXX XXXX XXXX. I need a full investigation on my behalf. I'm over XXXX XXXX XXXX XXXX and considered a XXXX XXXX. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that XXXX XXXX XXXX XXXX XXXX. closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account.

1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from EQUABLE ASCENT FINANCIAL LLC TO XXXX XXXX XXXX XXXX 
6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this inaccurate account to report PAID ON-TIME on my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, TransUnion and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten 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 2020-06-16
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Re-fi cash out with Intercontinental Capital Group located at : XXXX XXXX XXXX, XXXX XXXX XXXX, NY, XXXX XXXX. XXXX. 
With loan officer : XXXX XXXX, his email address is XXXX. 
I was told by Mr. XXXX that I woul qualify for {$220000.00} Re-fi loan. I was asked to pay for an appraisal but I stated that only everything except the value of my property would be the only reason for the banker not approving my loan, he said that there's no other reason why they would reject my loan, I proceeded and paid for the appraisal. 
Note : the home has only a {$67000.00} first mortgage and the property appraised for $ {$770000.00}.

Soon after the appraisal, the underwriter Ms. XXXX XXXX, emails me and ask for my corporation tax forms and told them that New York XXXX XXXX XXXX. It's owned by me and I received a 1099, therefore, why do I have to provide information of the company since it's a separate entity. Of course, they insisted I must provide XXXX & XXXX corporate tax forms. I provided all forms as requested but soon after Ms. XXXX and XXXX email me that the corporation has reported losses, therefore, I wouldn't qualify. 
I feel that a corporation 's losses has no relevance on I qualifying. 
Also, I know, that if that the above mentioned is a valid reson, the why didn't the loan officer know this information that cost me {$700.00} appraisal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Nelnet, Inc.
State: GA
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 attended XXXX and was advised that the school was in the process of losing its accreditation and it wouldnt effect my credit or prohibit me from getting any further loans so that I could continue my education. That is not the case and I have been plaque by this matter for several years,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian Information Solutions Inc. for violating my consumer rights under 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) by reinserting a previously deleted account without providing the required notice. 

On XX/XX/, I successfully removed an account through dispute, but Experian Information Solutions Inc. has reinserted it without the mandated notice. I am seeking your assistance in ensuring their compliance with the Fair Credit Reporting Act. 

Enclosed are documents supporting the previous deletion and evidence of the unauthorized reinsertion. Your prompt attention to this matter is appreciated.

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 2023-02-24
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a XXXX  alert that on XX/XX/2023, a new collection account had been added to my credit report. I NEVER received any notice from PARAGON REVENUE GROUP regarding this {$97.00} medical debt. Also, read where starting XX/XX/2023, medical obligations under {$500.00} would no longer be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have disputed the XXXX  account with Equifax MULTIPLE TIMES. As has been previously stated, this account was included in my bankruptcy in XX/XX/XXXX( Central Dist of IL Bankruptcy Case No XXXX ) and discharged XX/XX/XXXX as it FAILS TO MEET THE DISCHARGABILITY EXEMPTION CRITERIA set forth in 11 USC 523 ( a ) ( 8 ). Said case was originally filed on XX/XX/2008. As per FCRA guidelines, the reporting time for any debt included in a Chapter XXXX bankruptcy expires 10 years from the original filing date which would have been XX/XX/XXXX.

Notwithstanding this fact, as a result of Equifax 's last " investigation, '' my report now shows this account as " included in bankruptcy. '' This is definitely a step in the right direction considering that in all other investigations Equifax refused to acknowledge that this account WAS IN FACT included in my bankruptcy. However, the issue remains yet unresolved as the account should not be reporting on my credit report AT ALL due to its age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Sub-product: Store credit 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:
I purchased two pair of jeans from Nordstrom online a few days apart, and returned both via mail, also a few days apart, with the mailing labels provided to me online by the store. When I received the credit card statement for XX/XX/, I checked my account on the store website to confirm that both pair of jeans had been returned AND RECEIVED by Nordstrom. Because both items had been received, I did not pay the credit card bill assuming I owed them nothing. 

The next credit card bill for XX/XX/XXXX  stated that my account was overdue. When I called, I was told that even though both pair of jeans were received, the one pair was not received until after the account had closed out for the month and therefore still owed the minimum payment. 

I was directed to the small print on the Nordstrom website regarding returns which states that it takes 14 days for a return to be processed and then another 3-5 business days for the credit card company to place the credit on your account. Therefore, the consumer must pay the minimum amount on the credit card account even though the store has the product! It was further explained to me that once the store and credit card company finalize processing the return, the account will then show the proper credit. You must then ask the credit card company to send you a refund check or you can use your card and apply the credit to a future purchase. 

This " return policy '' is incredibly deceptive and intentionally designed to force a consumer to have to make a minimum payment to the credit card company -- in other words, they have the use of your money AND the product. Because everything is done by computer, there is no legitimate reason for the amount of time to process the return.

Company response to consumer: Closed with non-monetary relief