BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is incorrect information like this in my report and I want it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Uplift, Inc
State: TX
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:
under 15 USC 1681 the credit bureaus are filing incorrect I am trying to buy a house and its defamation to my character and livelihood. 
XXXX XXXX XXXX XX/XX/XXXX is identity theft it even has another name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX mulitple inquires from car dealers that I have not even requested and I have even hired XXXX XXXX XXXX to assist and it is still damaging my credit XXXX  XXXX XXXX  XX/XX/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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AR Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We are trying to buy a home and when pulling our credit report it is showing AR Resources , Inc 9 times with Medical Health Bills. It is from XXXX XXXX when my husband was in last year. The amounts range from {$61.00} to {$560.00} Totally just over {$3000.00}. They each have different account numbers. My lender told me to pay the smallest ones and work my way up and they would come off as I pay them. And our score would improve each time. I paid 2 payments and they did not drop off. When I called I was told they could not take those two payments off of the credit report until it was all paid in full. I asked why they did not have it as one account then and one payment. He said that is how it was sent to them. So I asked again then why when I pay off one acct payment why that one still shows up when it has been paid. They are taking my payments and spreading them though the whole amount and not paying off each account separately. I have called our insurance company XXXX and they said they did not understand why it was that way on our credit either because it should been one lump amount not several small amounts. They are not even sure if those bills were ever sent to them for review before they were sent to a collection agency. When I had them check the amounts to what they were billed they do not see these amounts. I have also asked the AR Resources if we can settle for a lesser amount to get it all off of our credit and they have told me no. They can not. It needs to be paid in full. Which now we owe {$2900.00}. I aIso have a bill from the hospital which shows some of these same amounts saying we were uninsured. Which is not the case. So thinking some of these were never sent though the insurance. I have asked for an explanation of the bills that were sent so that I can check the dates that were billed, they said they will be sent but could take up to 30 days. There are also duplicate amounts on there that seem to be the same. I have called the Insurance commission but since it is not an insurance problem more of a collections agency problem they gave me this email to file a complaint and said you may be able to help me with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir or Madam, I applied for  a Citi / AAdvantage Platinum Select World EliteTM Mastercard credit card (    XXXX   XXXX   XXXX   ). If I spent {$1000.00} in 3 months, I would receive  XXXX  AA miles. I did follow the requirements but I did not receive the miles.   XXXX  I would really appreciate if you can help me get my miles back.   XXXX  Thank you  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 2022-05-01
Company: Experian Information Solutions Inc.
State: MN
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 fair credit reporting act XXXX  account XXXX 15 USC 1681 section 602 : states I have the right to privacy. 
15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX casually ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX  XXXX ( acct XXXX ) XXXX XXXX XXXX ( acct 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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had recently tried to purchase a car and get pre-approved by XXXX XXXX. I discovered that I was unable to get approved due to derogatory and unauthorized charges on my account. I have multiple hard inquiries on my account that I wasnt aware of which has impacted me alot. I Have two closed accounts that were fraudulently opened and unauthorized by me. The first account was a credit card by XXXX XXXX  with the amount of {$3000.00} which was opened on XX/XX/XXXX. The second account was by Capital One of the amount of {$950.00} which was opened on XX/XX/XXXX. I have tried to contact these companies but was unsuccessful in trying to resolve this issue. These accounts that were opened have damaged me and will continue to damage me. I shouldnt be penalized for fraudulent accounts that were not authorized by me. Additionally, according to the Fair Credit Reporting Act 15 USC 1681 Law there shouldnt be anything that could damage my report. It is illegal. This is a defamation to my character and will continue to impact me on everything I do in life. I am a young XXXX XXXX that is trying to get a house, car, loans, and many more and with these damages to my account it will impact me drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the XXXX, XXXX and Equifax to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A 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! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today XX/XX/2018 XXXX I logged in to Navient to see a snapshot of my loans in deferment status. To my surprise I saw a loan that was past due XX/XX/2018 and possibly charged a late fee. I was unaware of this loan under Navient and to my knowledge this I wa not delinquent on any loans. Also some financial apps that I belong to such as XXXX gave a message that my loan was past due and I became concerned today. I called Navient and wanted to find out why was I past due now and nobody informed me, what were the details of this loan, why it was not past due before and no alerts, and why was it in collection status missing so many payments and accruing interest at a rate of 6 %. This loan was past due 210 days I was informed with a current balance of {$20000.00} according to Navient rep XXXX id # XXXX. I tried to get more details but she was not able to provide them. She told me this loan was in collections and past due and that my credit could be ruined if no payment was made. Also she told me this loan could go into default and delinquent. I informed XXXX that I am a XXXX veteran and that under federal law I am protected under certain circumstances. I might need to contact an attorney if I have to to know if my rights have been violated as a XXXX Veteran. Last time I was in touch with Navient was in XX/XX/2018 when they approved my Income-Driven Repayment Plan for my federal loans. Nobody told me about this loan was on file and on collections as far as I can remember. I have included copies of my student loans I printed from Navient. When I called nobody could give a straight answer but they kept me switching from one rep to another starting with XXXX id # XXXX, XXXX id # XXXX and XXXX id # XXXX. But after talking to XXXX last rep I am still confused and don't know what is going to happen with this loan, my credit history, and I am not sure if my rights as a XXXX Veteran have been violated. I need the help of CFPB and advice on this issue and what to do. Thank you. Also I don't want Navient that by me contacting them was a reason to restart the collection process and see it as a " negotiation '' call. XXXX  the rep I was talking to was pushing me to make a payment but I refused since I did not know what loan she was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have asked XXXX for about 3 years to verify my debt by sending me a signed contract with my signature to verify debt. Instead all they send was transaction histories which could not in fact prove that this is my debt. I have told them that I am unaware of this debt, so they send my account to collections ( Midland Funding ) which tried to garnish my check without still verifying my account. Midland Funding refused to talk to me and here I am stuck with paying a unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2022, I was offered a job through school email by XXXX XXXX. XXXX asked me to receive {$3700.00} check and other 2 checks from my personal email and deposit to my bank account. After I deposit the first check, I was asked to do XXXX transfer the money to a charity, but I realized I lost twice as much money I transfer to the charity, which means I never got the deposit and spend my own money out of my account from Bank of America to the charity.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, North Carolina XXXX Phone : ( XXXX ) XXXX XX/XX/2023 To Whom It May Concern, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The amount ( s ) owed are no longer outstanding for the following items : Name of the Account : XXXX XXXX  Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX Account number as is presented : XXXX Amount : {$530.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$82.00} Name of the Account : NC STATE EMPLOYEES C Account number as is presented : XXXX Amount : {$1000.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$300.00} I am disputing this claim due to whom this may concern, I am writing to dispute my recent credit report. I am not sure how my personal information ended up on the report, but I do not recognize any of the information listed. I have never done anything illegal, and I am not in any financial trouble. 

I request that you remove my personal information from the report and update it to reflect my current information. I would also like to be notified of any changes to my credit score because of this dispute. 


This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, 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 2023-09-01
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
My credit report is still showing late payments on the AMEX XXXXXXXX account despite the previous appeals sent to XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or AMEXs customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-04-04
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently paid off my automotive account off through my credit union ( XXXX ) on XX/XX/2017, you conducted this transaction from my account ... my question is XXXX credit reports, " account closed between XX/XX/2017 and XX/XX/2017, your XXXX automotive accounts appears to have been closed. '' My issue is the account was n't just closed, but paid off, which gives me a negative rating. Please can you kindly look into this matter? Thanks! My contact number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MD
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 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 2023-08-27
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:
See the attached documents.I 'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! REMOVE THESE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX  XXXX XXXX, has violated my rights. After disputing the late payments with XXXX  XXXX XXXX their investigation concluded that the 3 credit bureaus ( XXXX, XXXX, Equifax ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In   XXXX   I purchased a home in  XXXX , MO for {$38000.00}. I immediately established automatic payments to be drafted from my checking account each month with the loan servicing company and was never late or missed a payment. On  XX/XX/XXXX , Chase Mortgage took over the servicing of the loan. Their communication regarding instructions on how to establish payments was not timely and inconsistent. As a result, the  XX/XX/XXXX  payment due to Chase was late. Payments since  XXXX  have all been on time. There was only one late payment and it was clearly due to the transferring of the loan serving company and all of the associated changes that go along with that transition. The fact that Chase 's communication was lacking in punctuality did not help the situation. Despite the peculiarity of the situation when looking at my payment history, Chase reported my late payment to the credit bureaus and I now have a blemish on my credit report that misrepresents my true credit behavior. I have communicated with Chase directly as well as through the BBB and they refuse to reconcile this issue. They are required by the Fair Credit Act to report issues with credit, however they are failing to meet this requirement as this is not an instance of poor credit, but simply a result of a communication breakdown.

Company response to consumer: Closed with explanation