BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The past XX/XX/XXXX I was contacted via XXXXXXXX XXXX  from a person that is like family requesting a transfer of {$180.00} to be paid via XXXX XXXX to another person named XXXX XXXX to the number XXXX. After the transfer were made I reach out to the person to confirm that the transfer were made and in that moment I was informed that the XXXX was hacked and the real person was not the one requesting the transfer. 

I contacted Banco Popular on XX/XX/XXXX to explain the situation and raise a claim but they open the claim as a no authorized transaction and resolved the claim stating that the transfer was authorized because was made from my main phone number. Clearly this resolution do not fit to my claim. I called the back to reevaluate the claim but the answered with the same resolution. 

In the first call the person who take the claim informed me that was more transactions with the same amount received to the same number where I sent my transfer what confirms me that i was a victim of scam scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2023-01-07
Company: EQUIFAX, 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:
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 14 usc 1681. 

XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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. 

15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not Rhenish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion claims to have verified as accurate a bankruptcy record - case # XXXX despite having been sent the attached letter directly from the bankruptcy court showing that the court does not have such a record under my name, DOB or SSN. Transunion continues to report this record on my consumer report in violation of the FCRA. Notable, XXXX and XXXX have acted promptly in removing this account from my consumer files. I have requested certified court records reviewed by Transunion or the names and phone numbers of the specific individuals whom it claims to have verified the records and Transunion has failed to do 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 non-monetary relief
Consumer complaint received 2019-09-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Capital One Auto Finance, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This collection, by law, MUST be DELETED from my credit report immediately.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XX/XX/2023, XX/XX/2023, XX/XX/2023 There are hard inquries on all three credit reports XXXX, XXXX, and experian my XXXX XXXX dropped from mid 700 's to low 500 's within a month and I sent letters-and spoke to representatives from all three credit reports that I did not authorize these hard inquires on my report and thus a police report was issued on XX/XX/2023 serieral number : XXXX XXXX XXXX XXXX : XXXX  XXXX XXXX California on XX/XX/2023, I spoke with XXXX, representative in the special department at XXXX, she stated she is unable to remove hard inquires from my credit report unless she has a police report, FTC letter, or other documents to provide assistance with the investigations Report mailed today, XX/XX/2023 WHAT DOES THE LAW SAY : If you notice hard pulls on your credit that you did not consent to, you can demand the creditor remove the inquiry. If they do not do this, you can sue under the Fair Credit Reporting Act ( FCRA ) Withholding Notices You're entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : I was not notified to these hard inquiries on my credit report a creditor fails to notify you when it supplies negative credit information to a credit reporting agency a user of credit information ( such as a prospective employer or lender ) fails to notify you of a negative decision based on your credit report a creditor fails to provide you with your credit score if it was used as part of any credit decision a creditor fails to notify you of your right to dispute inaccurate credit information a creditor fails to notify you of your right to obtain a free credit report or a creditor or " user of information '' refuses to identify the source of the credit information it obtained about you.

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 2023-11-10
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX did not honor my request to freeze my credit report. By it not being frozen I received a hard inquiry. However, I did not apply for any lines of credit during this specific time -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Self Financial 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: Problem with personal statement of dispute

Complaint:
Self has neglected to fulfill the resolution outlined by one of its representatives during my inquiry about my previous account. Despite being provided with specific steps for resolution and subsequent actions, Self has not followed through. I urge a review of the recorded call, as I possess evidence of the conversation and am prepared to pursue legal action if necessary. Two months ago, a representative assured me that upon settling the old account, I could register for a new account, leading to the removal of the old account from my credit report. However, Self has failed to honor this commitment. Despite presenting itself as a credit-worthy company dedicated to assisting those with lower credit scores and aspirations, Self 's actions contradict its mission, causing more harm than good. The persistence of this account as a negative derogatory entry is impeding my personal goals and subjecting me to unwarranted suppression. Additionally, it raises concerns about the credit laws that may inadvertently support such suppression and unfairness perpetuated by credit furnishers like Self.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection that is unknown and two different collection companies are reporting the same amount. Isn't this against the law? Don't they have to notify me? Send me validation? I have a right to dispute this inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Attempts to collect on an alleged debt. Repeated calls. Refusal to remove an alleged debt. Texas Statute of limitations is 4 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Visited XXXX for consultation for upcoming XXXX XXXX. Primary and secondary insurance paid in full. A year after the fact I get a notice for a collection agency stating I owed the provider {$270.00}. On seven occasions from XXXX XXXX XXXX ( see attached letter ) I contacted my primary insurance, and they said I owed nothing. On four occasions from XXXX XXXX XXXX I contacted the provider to no avail. I contacted XXXX who provided no help or resolution. I also contacted the collection agency to no avail. 

XXXX  place a delinquent note on my credit report for the {$270.00} which is unfounded and has affected my credit score. I was informed it would stay on my record until some date in the future. 

I have attached the same documents for your review that I have provided all parties multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was incorrectly advised {$240.00} in interest by capital one relating to a balance transfer. I had called to confirm the date that a payment was due ( and paid by that date ) and there was nothing on any statement relating to the end of an offer or an interest amount. 

On calling Capital One it took 12 minutes to get an answer.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: EdFinancial Services
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX I was approved for student loan forgiveness as result of the XXXX XXXX XXXX class action lawsuit. All loans from XXXX XXXX were paid in full in XX/XX/XXXX. Since then, my fed loan servicer Ed Financial has not provided any updated balances to the three bureaus despite numerous attempts to contact them and seek their assistance in doing so. I have disputed all the paid loans with all three major credit bureaus numerous times. None have resulted in a permanent fix. XXXX corrected it one time but then later received old, outdated info from Ed Financial once again and reverted my report back to the original balances ( pre forgiveness ). I have discovered that the info Ed Financial is giving the credit agencies is from XX/XX/XXXX. These are over one year old balances. I do have loans from another university with Ed Financial, and these loans I have since started paying on, but I have received over XXXX XXXX in student loan forgiveness, and my credit reports do not reflect this. I have even contacted the class action litigation lawyers and Department of Education for help, but to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have contacted my bank regarding charges on my XXXX Statement for XX/XX/23. The bank has denied the fraud charges on two different occasions. The following transactions are in dispute. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-11-09
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I sent a certified letter to Navient about inaccurate information they are reporting on my credit report. I asked that they removed the inaccurate information but they completely ignored me, and the information continues to be reported on my report which has caused me to be denied for credit and an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Williams & Fudge, Inc
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I disputed the amount on Monday XXXX I was contacted XX/XX/10 about the debt. Never received the paperwork going over the dispute. I told the person on the phone that I disputed the debt and told him he shouldnt be contacting me until I get the info that I am requesting. The person on the phone claimed to have emailed it to me. When I told him no he didnt he then said he did not have a valid email for me- which is a lie because I have received communication via email from this collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I sent a dispute letter to transunion dated XX/XX/2023 it is now XX/XX/XXXX and I have yet to hear a response to from them. The FCRA clearly states that no more than 30 days it should take for a response, I would like for transunion to delete these disputed accounts which I will indicate below

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 2023-11-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I submitted a loan application on XXXX for an auto loan for {$25000.00}. The credit union replied with an increased loan amount of {$27000.00} which was great. 

On XXXX I received an email stating that the loan was approved and that NFCU needed additional details. However, the communication did not have reference a date that my loan would be canceled. I called on XXXX  to figure out how to complete the loan and the bank informed me that the loan was cancelled and that I had to submit an additional application. I submitted the second application was pended for further review. 

I spoke with two managers trying to explain that I believe that I was not treated fairly given that the email did not reference the application would be cancelled. 

I do not believe the email notice meets the notice of incomplete requirements and this negatively impacted me as a consumer. 

The loan was never funded so I do not have a loan number.

Company response to consumer: In progress