BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 15 USC 1681. 

Account name : XXXX XXXX/ XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX Lending Service/ XXXX, Account name : XXXX XXXX XXXX/ XXXX XXXX XXXX, Account name : XXXX XXXX/ XXXX, Account name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX 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 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 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.

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 2021-12-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : XXXX XXXX OPENED : XX/XX/2017 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have applied for a credit 2 times within the coarse of a year with capital one with an Awesome payment history and was denied both times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my rigthts have been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand an update to my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months.

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 2018-08-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have concerns with how Navient handled my consolidation loan repayments since consolidation over two years ago. It appeared to me excessive interest payments and fees were charged based upon how Navient structured the loan repayment start dates so as to, in my opinion, intentionally maximize their interest rate profits at my expense.

As of last month 's payment XX/XX/2018, Navient had in place an online feature which included a running balance feature. This feature is crucial for loan repayment as it allows us, the consumer, the ability to spot any errors and to quickly spot, exactly, how our payments are being allocated. More importantly, it provides a permanent record of all transactions on our accounts. The removal of the running balance feature creates a tremendous hardship for the consumer in having to factor extensive math equations in order to keep for themselves accurate running balances.

Why has Navient removed this feature? It is troubling that Navient would remove this running balance feature, especially now, in light of the complaints filed in recent law suits alleging Navient has mishandled student loans repayment monies. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried to contact company and no response and I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This collection is showing as inaccurate on all three of the credit bureaus. I do not appreciate this information showing as incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2015-09-16
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Structure of my home loan : I have an XXXX loan with Nation Star Mortgage. Basically 80 % of my home loan gets taken out of XXXX loan and 20 % gets taken from another loan. Insurance and taxes are paid out of my 80 % loan ... .never my 20 % loan ... .I do n't even have access online to pay escrow on my 20 % loan if I wanted to ... keep this in mind when reading below. 

Around XX/XX/XXXX, I received a check from my home insurance company in the amount of {$1400.00}. The insurance company stated my mortgage company XXXX Nation Star Mortgage XXXX paid the insurance twice. I called my mortgage company and told them that the insurance was paid twice and asked what I needed to do with the check. Nation Star Mortgage said I had enough funds in my escrow and did n't need to send the check back. I was advised that, just to be safe, to send {$200.00} which I did in XX/XX/XXXX 

Now it is XX/XX/XXXX. In the beginning XX/XX/XXXX, I sent over {$8400.00} to pay off my 20 % LOAN with Nation Star Mortgage. A few days later, I realized I had a {$12.00} balance so I sent {$20.00} more to close it out. A few days later I noticed the account was still not closed so I called Nation Star Mortgage. Nation Star Mortgage explained that I had an Escrow balance of around {$1400.00}. Basically, after numerous phone calls and time, I found out that when the mortgage company paid my insurance twice back XX/XX/XXXX, they paid it once from the 80 % loan and once from the 20 % loan. I have called Nation Star Mortgage numerous times to discuss their mistake and all they tell me is that I need to send the check to pay off the escrow. This is not right because I was told by a Nation Star Mortgage employee XX/XX/XXXX that I did not have to send the check in. Her notes are documented in the Nation Star Mortgage database. This has been confirmed by another employee I spoke to. Also, why did n't Nation Star Mortgage realize they paid the insurance from the wrong loan and fix the issue or contact me??? When making my online payments for my 20 % loan since XX/XX/XXXX, nothing was ever shown stating that I had an escrow balance. I am currently working with another Nation Star employee who states that the best they can do is move the escrow balance on the 20 % loan to the 80 % loan. It has been over two weeks already since she last told me this and nothing is happening. I would like for Nation Star Mortgage to pay for the escrow balance on the 20 % LOAN since it was their mistake. They took it out of the 20 % loan which was a mistake and they told me I did n't have to send it back which was false. A financial company can not make these types of mistakes and expect the customer to pay for them. This is not right.

Company response to consumer: Closed
Consumer complaint received 2021-12-04
Company: CITIBANK, N.A.
State: VT
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:
Noticed suspicious activity ( {$9800.00}, excluding international fees, late fees and interest charged by Citi ) on XX/XX/21. The suspicious activity was mostly large fees in XXXX. My wife and I were shocked that fees from so far away from our home were even allowed to be made in the first place. Our kids have cards with other major banks who would never allow such a circumstance without prior notification by them. Period. 

Received notice by mail from Citi XX/XX/21 about the suspicious activity. 

On XX/XX/21, attempted to call Citi again after noticing the issues. Citi sent a letter confirming we no longer dispute the charges, which is unequivocally incorrect. Reopened dispute. 

Received suspicious activity notice XX/XX/21 from Citi. 

Unbeknownst to my family, Citi and/or the fraudulent party opened a Checking Account in our name and {$2500.00} debited from our principal ( only ) checking account. Somehow, another phone number ( not in our area code ) was somehow added to out account. 

Made contact with Citi Identity Theft Department XX/XX/21. Theft dept stated they would investigate. 
Notified XXXX XX/XX/21. 

Completed Affidavit of Fraud, signed, notarized XX/XX/21, specifically identifying the fees not charged by myself. 

Numerous calls and other communications with Citi through this time, in which Citi did not offer solutions, did not treat us with respect while working through this terribly stressful situation ( including apparently muting me on the phone while trying to find a solution ). 

Sent Addendum email to Citi on XX/XX/21 attempting to seek a resolution. 

We have gone back and forth more than the above. Citi has told us that these charges ( and accrued fees, interest, etc. that is not our responsibility ) will be settled in a couple billing cycles. We still have not reached a resolution. 

This has been one of the most troubling and interrupting experiences we have ever had. We feel powerless and that our credit card company is not listening to us, does not have our interests in mind, and is in fact disregarding entirely the impact that has had to our family. They are blocking most or all of our card purchases, which has been just another stressful experience. 

There are more aggrievances than can be written here that we have carefully documented and communicated with Citi. They are not listening, do not care to, and we need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: ARP & Associates LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I owe XXXX XXXX XXXX and I was contacted by ARP associates and was told that if I didnt pay back that I was in danger of having my government benefits relinquished and stopped for non payment. I already paid for some of the debt. I am a victim of identity theft and I am concerned that I payed some type of scammer. I am not sure if the ARP & Associates are even legitimate or real. I realized this when they attempted to charge my bank card and was told that it did not go through however my bank did pay for it and thankfully the bank credited my account. Also, what was suspicious was that I received a fraud alert from the same company since they continued to charge my card after this happened. I already payed some of my loan to these people and I sm not sure if they are redd as l or if they scammed me. Please help thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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 XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/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 : 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 2022-06-11
Company: EQUIFAX, INC.
State: MO
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 and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # 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: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: OH
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/2023 I Sent XXXX XXXX XXXX, a certified letter through USPS requesting Validation of debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars as reported on my Credit Report, as of XX/XX/XXXX XXXX XXXX has failed to Validate that debt for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, Further more XXXX XXXX XXXX has violated FDCPA section 1692E ( 8 ) failure to mark my XXXX, XXXX and Equifax account Disputed during the period of XX/XX/2023 to XX/XX/2023. I've downloaded through CFPB Portal Proof of the USPS Certified mail, date when it was sent and date when they signed for it. Note : I sent two letters asking to Validation debt letters to XXXX XXXX XXXX, one is for account number XXXX in the amount of XXXX XXXX XXXX  XXXX XXXX Dollars, And the other is XXXX for XXXX XXXX XXXX  XXXX Dollars, That I've recently disputed for the same issue.

Company response to consumer: Closed with explanation