BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a debit ATM Visa card from M & T Bank today XX/XX/XXXX. I do not have any funds at M & T Bank. When I called they said someone tried to open an account under my name. They closed the account. They told me that someone has my personal information and tried to open a bank account with that 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 explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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: Experian Information Solutions Inc.
State: TN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-12-23
Company: EQUIFAX, INC.
State: DE
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 unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been stuck with MyFedLoan ( PHEAA ) for a few years now as they are the only servicer dealing with PSFL qualifying payments. I should have put a lot of that in quotes for dramatic effect, as they have no idea what they are doing. Besides them being months behind on my employment verification ( a form I might add that is exactly 1 double-sided page ) and completely incapable of answering my questions, their records are incorrect.

I have been paying my 8 federal loans for nearly a decade now and they have all been paid at the same time. Yet, 4 of my loans are " missing '' a payment while the other 4 do not ; I don't know how payments made at the same time can be half-counted. Despite PHEAA 's wildly inaccurate payment count, I *know* that my XXXX payment will be made in XX/XX/XXXX or XX/XX/XXXX ( depending on the " missing '' 4 payments ). This happens to coincide with the planned departure of PHEAA from the federal loan servicing market -- literally, XX/XX/XXXX is the last month they are currently contracted to service my type of loans. 

I have absolutely done the right thing. I chose a career in public service ( before the PSLF law was even passed ), paid my taxes every year, made ALL of my payments on-time and in-full, and have submitted all the correct forms when required. XXXX XXXX never jumped through as many flaming hoops as I have! I am the ideal, textbook, PSLF-qualifying participant and yet I just know PHEAA and the Federal government are just going to mess this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Got an alert on my Bank of America app ( XX/XX/2023 ) saying that a credit card ( Bank of America Customized Cash Rewards ) that I had recently opened and started using was locked due to suspicious transactions. I had made two transactions two weeks previously ( XX/XX/2023 and XX/XX/2023 ) in order to get the rewards bonus. Called the bank on the same day via the number that was listed on the app and they initially said that they couldn't authenticate me nor see my account details. The option was to either call them from the app but through the help/support feature ( XXXX ) from their app or by going into their local branch with two pieces of ID. 

I then tried the easier option which was to contact support via their XXXX feature. The rep was able to see my details then but said that he still couldn't do anything without me going into a local branch and get verified there. However, Bank of America doesn't have any local branches in Hawaii. In the meantime, the card is locked. It doesn't appear that there were other suspicious transactions other than the ones that I had made myself. 

I'm hoping that I can at least pay off the balance with the card being locked and would hate to be penalized on my credit score if I'm not able to pay the balance on a locked card. I would also like to redeem my reward bonus since I've met their XXXX XXXX XXXXXXXX but it's not clear that I can do this if the card is locked. 

This isn't really a viable option for Bank of America customers living in Hawaii to get verified if they encounter problems like this with their cards.

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 2023-03-13
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2023 I requested a copy of CLUE report via Lexis Nexis website. As of XX/XX/2023 I have not received a copy of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Reliant Capital Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent request to validate a credit card account to Reliant Capital Solutions for a XXXX XXXX XXXX XXXX account owing {$200.00}. Have not received any validation materials itemizing what is owed on the account. Also sent letters to all three credit bureaus, XXXX, XXXX and XXXX asking that they have the account removed from my credit reports until validation can be received. They have not removed the account but just updated some minor information on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I '' ve had a Capital One cc account since XXXX. My credit given to me was for {$2400.00} I pay monthly but over the years there has been maybe a couple of times I've had to pay a late fee. I noticed that I was being charged fees on my account although payments were made. {$35.00} fees in addition to {$39.00} interest rates. Currently I am aware that my APR is 19.40 % for this card. I'm just want to know should they be charging me {$35.00} in fees along with a {$39.00} interest rate for 17yrs. I could never finish paying the bill because my money is going to fees and interest. The fees being charged are not late fees. I have requested for statements for XXXX but unfortunately since I always discard my statments I don't have all of them from 17yrs. I will make my best effort to pay this bill off. 

























I have a Capital One cc which I received in XXXX with a credit available of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CCS Financial Services, Inc.
State: FL
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:
I am not liable for this debt with the debt collector, I do not have a contract with that company. They did not provide me with the original contract as requested.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Old information reappears or never goes away

Complaint:
I am submitting this CFPB complaint to formally request an investigation and deletion of the accounts that appear to be misleading and inaccurate on my credit file, as per the provisions of the Fair Credit Reporting Act. The Following accounts shold be investigated and corrected by eahc of the Credit Bureaus respectively : For the Account XXXX XXXX, XXXX. XXXX XXXX : {$0.00} I have always had a stellar payment with this account as Experian and XXXX XXXX see. I do not know how this account suddenly reported as late! There is a clear negligent of duty here, as Experian and XXXX are clearly reporting unverified and misleading information. I understand the importance of maintaining a positive credit history. However, this late payment does not reflect my overall creditworthiness. I have a strong track record of making timely payments, and the late payment Experian and XXXX report on this account has caused me damage. I do not know where Experian and XXXX got this information, but I need Experian and XXXX to have this account removed for reporting erroneous and damaging data. 
And the Following accounts : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} and XXXX XXXX XXXXXXXX Balance : {$0.00} I need to bring these issue to XXXXXXXX XXXX XXXX as this inaccurate reporting of information has caused me severe damage. THIS ACCOUNT IS ONLY REPORTING ON XXXX CREDIT BUREAU. The information XXXX is reporting on this account is already outdated and misleading. I do not know how and where XXXX was able to maintain this outdated information, but XXXX 's continued report of such information is unacceptable. If only XXXX 's Record Keeping had been accurate and if XXXX actually kept tabs, this account should have never been reported at all. Under the protection of the Fair Credit Reporting Act, I request an immediate deletion of this account completely from my Credit File as soon as possible.

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 2022-02-11
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: IN
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX  XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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:
each company listed has violated my rights as a consumer specifically, under the FCRA 15 U.S.C. 1681b, 15 usc 1692 & 15 usc 6801, 18 U.S.C. 1028A, 15 usc 6802 ( b ) and lastely 15 usc 1681 ( N ) ( b ). Then when asked to provide such documentation they ignored me. each letter was notorized and sent with signature tracking to show the dates received. 

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

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXXXXXX XXXX XXXX and it has not been corrected. The accounts are still reporting wrong on my credit report but it is already closed. The accounts have been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I want you to correct this misinformation on my file. 

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 2021-03-30
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After an accident my car was totaled. My insurance company offered {$12000.00} which I accepted. I still owed {$6000.00} .Hyundai finance would not release the title of the car unless they received the full settlement and told me that they would refund {$6600.00} to me after payment. They cashed the payment from the insurance company on XX/XX/2021 .after many phone calls ( they do not have a email address ) I am always told that a request for payment has been sent to the payment department. No payment has been made as of XX/XX/2021.

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 2023-12-27
Company: NRA Group, LLC
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:
XXXX failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. National Recovery is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. XXXX, National Recovery, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.

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 2022-06-03
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern : I was contacted by Aldous & Associated regarding a contract breach with planet fitness for the amount of {$150.00}. I have not been to the gym in over 6 months. They would not let me in the gym during a virus quarantine in XXXX NJ without a mask on. I can not wear a mask for health reasons. I asked for a breakdown of the charges and they refused to provide that information and said they will report me to creditors and hurt my credit score. Any advice would be greatly appreciated. 

Thank you

Company response to consumer: Closed with explanation