BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called Arvest Bank on XX/XX/XXXX via their call center to change my checking account product ( from a fee account to a free account ), the woman on the phone completed the task, and we hung up the phone. XX/XX/XXXX I received a hand written envelope addressed to me, it contained a cover letter with my name and account number explaining the change to my account and under that cover letter three copies of another customers opening account documents. I now had this customers name, address, phone number, account number, birthday, social, DL #, and all information regarding her balance at the time of opening, where the account was opened etc. I called the customer service line explaining I was upset thinking someone else got my social like I got this persons. I filed a formal complaint, and spoke with a manager. The only resolution she could offer me was to close my account and reopen a new one. Please note I have received someone elses account number, name, and social via drive thru about two months ago while I was paying my house payment. I also filed a complaint at that time but am unaware of any resolution. After the mailing incident yesterday, I requested since my information could be compromised due to the bank negligence that they pay for a minimum of a year of credit monitoring for my husband and myself ( who is also on the account ), notify the other customer and also do the same. As of yesterday, the next manager I spoke with was unable to fulfill my request because he didnt have formal approval. He couldnt pin point who printed or mailed those forms in error, and also couldnt guarantee if my information had been sent out or not. My complaints about customer information not being kept private is doing nothing. In two months I have received two other customers information, and Arvest seems less than concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$680.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$190.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-11
Company: ENCORE CAPITAL GROUP INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX   stating that i owe {$620.00} for a collection on a XXXX XXXX credit card that I let go unpaid. Knowing that this was true I paid this collection agency the full {$620.00}. Soon after that I started receiving calls from Midland Funding, LLC demanding {$680.00} and some odd cents for the same collection that I had just paid. Midland has called numerous times demanding I pay the {$680.00}. I have even offered to settle with them with much hesitance since I already paid it just so this is resolved. I offered to pay 50 % of the total and was denied. On XX/XX/XXXX I sent a letter that included a dispute clause and the letter from XXXX XXXX XXXX showing it had been paid in full. Then today XX/XX/XXXX I called again to ask what the status on the dispute was. I was told that because their account # didn't match the one on the letter I sent it was denied. I asked if they had the same accounting software and systems the other company has and they replied no. I said you are two separate companies so why would you have the same reference # 's? I offered again to settle at 50 % and was told no. I then took a cease and desist letter to the mail and dropped it off on XX/XX/XXXX and notified them I would be sending it and filing a complaint against them. I have disputed with the credit agencies and Midland Funding, LLC on several occasions and nothing is ever resolved. I believe this company is falsely telling me that I owe a debt that has been paid and will not drop it until they are paid in full. I do not feel inclined to pay this debt twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX$320.00} XXXXXXXX XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capital One bank purchased as a debt buyer an XXXX account XXXX which was already in default but agreed by XXXX not to be my debt due to Identity Theft. Unfortunately in 2013 Capital One took the position that they acquired this account and started a brand new collection action. I have notified Capital One within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, XXXX and Transunion are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have wrote all 3 major credit reporting agencies ( XXXX, transunion, XXXX  ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name. 

These items remain after I disputed them with the documents needed to block and remove them per the fcra XXXX provision.

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 2021-01-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have received weekly advertisements with credit card offers from Citi bank over the past year. I applied for a credit card on or about XXXX of XXXX. Citi bank denied my request based on stating I had too may inquiries and being that i had a bankruptcy in XXXX I was denied. My credit score and my life has changed since then and my credit score is XXXX, and I own a home. I have credit cards from XXXX, XXXX  XXXX XXXX, XXXX XXXX. My issue is that Citibank keeps sending me advertisements for credit cards and when I applied again in XXXX of XXXX they again denied me for the same reason. The reason again was a bankruptcy filed, in XXXX, this should be illegal. The law states the c a bankruptcy can only held against you for 10 years. This is going on 13 years since I filed and my credit is good and all my bills are paid on time. I believe Citi Bank is an unprofessional unorganized company and I would appreciate it if they would stop mailing me credit card offers and to get their act together and not hold something against me or others for something that has happened so long ago. Is this how a company should do business? This has also lowered my credit score because of this.

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 2020-12-27
Company: Statebridge Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This account is in my XXXX XXXX XXXX name. I have been appointed XXXX of this property and this company has that paperwork on XX/XX/XXXX & XX/XX/XXXX by email. I made the last payment mortgage on this account on XX/XX/XXXX. I had a statement stating the last payment was {$140.00}. I tried to pay the {$140.00} on XX/XX/XXXX. Their system wouldn't accept, it still had the regular payment of {$150.00}. I called, held on, their phone hung-up several times. They would call me back, but when I answered, it was a message telling me to call them. So, once again, I called, their phone hung-up. So I just made the {$150.00} payment on XX/XX/XXXX, from my online account with their company, as I made the other XXXX pymts, so it would not be late and just get a refund later. I received a payoff letter on XX/XX/XXXX stating I still owe {$15.00} for a late fee. The last payment I made on XX/XX/XXXX for {$150.00} was sitting on my account when they charged me the {$15.00} late fee on XX/XX/XXXX. The {$150.00} was unapplied on XX/XX/XXXX. On XX/XX/XXXX, {$140.00} was the payoff pymt, which included a XXXX interest. Why at that time they didn't see they owed me {$10.00}, I have no idea. The unapplied my {$15000.00} payment again on XX/XX/XXXX. I just need my {$10.00} put back in the same account they got it from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: FL
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:
As I checked my credit report, I noticed that there multiples accounts affiliated with companies I have never done business with. I took action by writing Experian about those accounts and asked them to validate and they are unable to validate them, they must delete them off my report because I don't know about these accounts. on XX/XX/2021 I sent them my first dispute letter, waited for over 1 month, I never got a response. on XX/XX/2021 I sent them a compliance letter because they failed to investigate the account, USPS tracking showed they received on XXXXuntil this point I never get a any response from them. it is getting very frustrating. I need some help removing those account from my 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 2023-10-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient is a predatory lender! I obtained a parent plus loan in XXXX for {$11000.00} which is now {$25000.00}. My Mother was the co-signer at the time. The loan was for cosmetology school. I filed XXXX twice and both were discharged XX/XX/XXXX and XX/XX/XXXX and Navient refused to acknowledge my XXXX. They threatened to go after my mother if I didn't pay. I tried numerous times to make the required payment in full as they directed for 12 months to release my co-signer, only to be denied again. Every payment I made was applied to outrageous interest only and never to my principal. I recently got approved to refinance the loan through another carrier which is now {$29000.00}. Navient owes me {$11000.00} twice over for all the payments I made under my former name. I tried many times to resolve payment issues. They would deliberately place forebearances on my account when I did not request them because I live in Florida, Even after I called them and told them not to. Then they denied me releasing my co-signer. I tried to escalate my complaints over the years, but simply gave up with this company. I XXXX Navient and I told them they were predatory. Never got resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2020-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My student loan is in foreberaance and all the Covid problems. Why is this hurting my credit score so bad. I have credit cards I have payed on time for a year with my accounts. Please advise what to do next. My credit score just keeps dropping.

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 2021-03-29
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reviewed my credit and saw 3 derogatory remarks from the same company for debts I had paid in full, there were no settlement amounts, the debts were paid in full. After contacting the company I was unable to contact a supervisor and I was denied the opportunity to clarify why the negative remarks had not been removed. The derogative remarks were posted two months after I had paid the debts via automatic bank drafts. the amounts were as follows : {$120.00} {$180.00} {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-15
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:
I have wrote all 3 major credit reporting agencies ( equifax, XXXX, XXXX ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name.

These items remain after I disputed them with the documents needed to block and remove them per the fcra 605b provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Acceptance Corporation fraudulently reported that a payment was made in XXXX of 2020 and then proceeded to report " missed payments '' since then. My understanding is that the account should have dropped off my report at 7 to 7 years and 6 months. It has now been on my report for 7 years and 8 months. Through research I've learned that sometimes companies will record a false payment which causes the 7 years on your report to start over. 

This was a vehicle we helped a family member get and they defaulted. I have been working hard to repair my credit since my divorce, but the actions of this company have been detrimental in repairing my score. In XX/XX/2020, my score dropped 123 points and has had minor drops with each reported " missed payment ''. I had filed a dispute with XXXX, but the company merely made a " correction '' to something and the " correction '' was made on my report. I'm not sure what that correction was, but it was not the issue I am dealing with. 

Here is the company info : CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI 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 2021-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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