BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Bull City Financial 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: Their investigation did not fix an error on your report

Complaint:
Consumer Financial Protection Bureau has now dropped the ball on this concern. Claiming that I am not the one disputing this account when I am the only one with access to my credit reporting login in credentials. My credentials have maintained the same and I am the only one working to fix the inaccuracies on my credit report. You sent me a letter closing my initial claim because you assumed I was using a credit repair company. That is false. I am doing my best to correct the errors you all continue to ignore. You use these tactics claiming you are not sure if I am disputing these accounts, making me call in to verify myself countless times and still failing to properly investigate my claims. I have been attempting to dispute this account that has caused me to lose housing opportunities and Job opportunities from reporting inaccurately. I have made several attempts to dispute this Debt with BULLCITY FINANCIAL ; as I HAVE NO KNOWLDEGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. When I request verification of this debt via writing my requests are ignored but BULLCITY FINANCIAL sends me a response letter asking to verify what they have on file when i have no knowledge of this account. However, on the handwritten letters they received from me it contained my first and last name and full address, the only response i should be receiving is one that has documentation showing and verifying this debt is mine. Which BULLCITY FINANCIAL Failed to do. This agency is still being allowed to report this frivolous debt with multiple inaccuracies. When I ask for proof of information used to investigate this account by the credit furnisher, my request is ignored but the account is continuously being updated as verified. I have retained all my documents from letters I've wrote physically to the original creditor XXXX XXXX and the current furnisher of the inaccurate information BULLCITY FINANICAL, disputing this debt sent via certified mail in which I never received a response. I have proof and or documentation of me writing all credit reporting agencies requesting information on how they verified this debt, that also went ignored. I have been disputing this account for years and the lack of research and negligence on the creditors and credit reporting agencies behalf are unbelievable. I have managed to get the account removed from one agency which is XXXX, but it remains on XXXX and XXXX. I can not understand how XXXX could not verify the debt was mine, but XXXX and XXXX were, however, can not provide method of verification used to validate this debt. PLEASE REMOVE THIS ACCOUNT FROM ALL XXXX AND XXXX AS IT CAN NOT BE VERIFIED AS MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Bread Financial 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 
1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Assured Financial LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a notice from Assured Collections saying we owed {$900.00} for a product on date of service XX/XX/2020 to a company called XXXX XXXX XXXX. I called XXXX but their number was disconnected. I sent an email to the collection agency but have not heard back. I called my insurance company XXXX to see if they ever received a bill from XXXX and they had not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 explanation
Consumer complaint received 2018-03-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I enrolled in the Income Based Repayment ( IBR or IDR ) on XX/XX/XXXX based on XXXX XXXX advice to have up to {$17000.00} of loans forgiven under the XXXX loan forgiveness program and a future opportunity for Public Service Loan Forgiveness ( PSLF ). Ive maintained employment with Title I public schools in an effort to obtain XXXX loan forgiveness after 5 years, yet now that Im finishing my XXXX year in XXXX XXXX I have been told if I take the XXXX  loan forgiveness, I will not be able to count any of the qualifying 60 payments towards PSLF. 

Ultimately, I decided to stay XXXX for a full 5 years at a XXXX XXXX institution after learning about the loan forgiveness options from my lenders. XXXX XXXX and Navient advised me to continue with IDR toward XXXX  loan forgiveness, but I never would have stayed employed with a public school if I had known about this discrepancy. My career decisions were directly related to how I was advised and counseled on my loan repayment options. I worked at XXXX XXXX XXXX for XXXX consecutive years thinking all along that I would have an opportunity for partial teacher loan forgiveness at the end, only to be told if I take that relief I will have to start 10 years of PSLF payments all over again. 

I now find myself in a payment plan known as the J-payment. Technically, this still falls under the IDR plan, but I never officially knew about my plan until XX/XX/XXXX. I fall into this category because my IDR plan lapsed on XX/XX/XXXX, and I defaulted to this new plan. This is just one example of how I have been misguided over the years and placed into various plans without adequate explanation. 


XX/XX/XXXX beginning of income driven repayment XX/XX/XXXX IBR plan submitted again ( not fully advised on what this meant for future payments or loan duration ) XX/XX/XXXX officially put into J-payment XX/XX/XXXX first payment in inactive J-payment plan since didnt renew Currently in inactive J-plan ( 60 months of payments made toward PSLF if I dont take XXXX  loan forgiveness )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Last week, I became aware of an XXXX XXXX XXXX CitiBusiness Platinum Select Master card that was opened in my name. I called to try to check on the balance of the card and possibly cancel it, and since I was not able to provide the " security word '' for the account, they would not allow me access to the card. I had already explained to the individual that I did not open or setup the account so I would not have access to any information about the account. 

I reported the card as stolen and received a new card in the mail and they will not activate the card or give me any information about the account that was opened in my name. I finally requested that the card be cancelled and they said they could not do that. I requested to speak to a supervisor and was disconnected each time I called.

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 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 received a call from capital one fraud department XX/XX/XXXX. After going over fraudulent charges. I requested for the Representative XXXX to look at a credit card end XXXX. I advised I am unable to pay on an account with a fee due to lack of income. Requested to have cancel the card. I was told by XXXX the membership fee would be waived to keep account active. I reviewed the account XX/XX/08 and noticed the fee was still there as well as a late charge. I called to go over the account was told by XXXX XXXX ID XXXX ( no last name provided ) they are unable to waive the membership fee of {$39.00} and I will continue to get a bill and late charges. I advised I was told it would be taken care of and I scheduled the payment for a recent charge and the surcharge connected. He stated nothing he could do. Asked for his supervisor. He said cant get me to a supervisor as he is the highest level. I asked if he had a supervisor he said yes XXXX agent ID XXXX, and that he couldnt get me to them and to have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Ability Recovery Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account ABILITY RECOVERY SERVICES , LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SERVICES , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-11-08
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In the month of XXXX i logged onto rocketmortgage.com to make my monthly XXXX payment i then noticed that the payment it showed due seemed as it was doubled ( {$1600.00} ) since it was towards the end of the month ( XXXX or XXXX ) i assumed that it was for XXXX and XXXX so i made my normal payment in the amount of {$900.00} about a week and half later a got a credit alert showing that I didnt make my mortgage payment I immediately called rocket mortgage and was told that i was sent letters in XXXX about lender placed insurance because my homeowners policy had lapse, I explained to the rep that my insurance never did lapse for i pay out of pocket personally i then asked my insurance agent to send over the docs needed to prove coverage was never lost In the meantime of this while trying to make a payment the site is saying that i owed a total of over {$2000.00} for the month of XXXX, i explained to the reps that I dont have this amount of Money to pay and they manually took my payment of {$900.00} over the phone because the website would only allow me to make the full payment of over {$2000.00} Finally rocket mortgage got everything corrected with the homeowners policy they dropped lender placed insurance and credited me back the funds they charged me for the lender placed insurance however they are saying that my account being in default doesnt allow me to pay my insurance on my own and has to be escrowed which has my payment more than the {$870.00} which was what the agreement was when loan was opened in XX/XX/XXXX I have received 30 day lates on my credit report due to this issue for XXXX and XXXX I would like these removed asap this was no fault of mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: CBC Companies, Inc.
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy? 

According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is in addition to the previous compliant. XXXX. 
I called Home Depot Credit and they told me they have already processed a refund of the overpayment. They said they are sending it to my bank. I have never paid the bill from the XXXX XXXX XXXX Web site. I have always sent it from my Bank Account. 
I ask how do they know my bank account and they claim I gave it to them and ask for it to be saved. I did no such thing. I have asked every time I called for a check to be sent. 
I have paid the monthly bill from 3 different banks.

I check on line and dug around on the Home Depot Credit web site and found they are sending me a letter billing dispute resolved. I have only ask for my over payment to be sent back to me via check. 
I have requested they remove my bank account info from there system. I really don't know how they got it and do not know if it is even correct. I requested they close the account. I going to shop at 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 2023-11-09
Company: Consumer Financial Services Solutions, Inc.
State: NY
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
In XX/XX/2021 finance beyond finance consolidated company the call and they said they had settlement with XXXX XXXX XXXX from the of # XXXX the I own they got a settlement for the amount of {$6000.00} to pay in 18 month for a monthly payment of {$350.00}, I pay all the money and now a few days ago from XXXX XXXX XXXXXXXX says that they reinstall the account back because I didn't pay the settlement and that's not true because finance beyond withdrawals from my checking account twice a month XXXX. 
Now I don't know what to do. please help me with this situation. The answered the I get from beyond was that they have to pay themself first {$5400.00} from the {$6300.00} the I paid then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: PA
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:
I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX. Equifax and XXXX credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX  was provided my drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: NC
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: NV
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:
Spoke with a supervisor of Equifax named XXXX. XXXX stated I needed to request an update of my last name. I am requesting a update on my last name. My last name is XXXX not XXXX. Please update and remove XXXX. Equifax do have my documentation from previous dispute which is a copy of my utility bill and my social security number. I called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Contacted Direct Express about 2 charges that were made by XXXX XXXX and XXXX XXXX XXXX totaling {$1500.00}. I was charged an extra week by both hotels and was not refunded after I left. I tried to get the amounts refunded to me by Direct Express and this was not done. This is elder abuse.

Company response to consumer: Closed with explanation