BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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 am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the XXXX XXXX requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular 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 explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.

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 2019-01-28
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 credit reporting a " charge off '' account ( {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: FL
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:
Due to possible inaccuracies in these CRA report, I must demand that the validation I herebly lawfully request be in form of a notarized statement by person with original knowledge of the debt as it was constituted and who can testify that debt was incurred legally product, was not subsequently disputed as result of returned, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address, rather, I am requesting validation, i.e., competent evidens that i had some contractual obligation sans consumer protection encumbrance which the original claims associated with this tradeline. 
Please know thet you have 30 days from the tracked and delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notation from the CRA reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these accounts immediately.

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 2023-01-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
These accounts and inquiries are involved in XXXX  and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-07-01
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a payment agreement with original creditor they did not lower the debt with the payments I was making. I had several health issues at the time did not know I could do anything about it. They sold my debt but not the correct amount. I have fought this with every debt collector in the 7 years and instead of correcting it they sell it and report it as new debt. I have contacted this company and tried to fix it they refuse and instead are doing the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX : I placed an online order for supplements with XXXX XXXX XXXX XXXX XXXX for {$130.00}, using my CapitalOne Quicksilver Card. 

XX/XX/XXXX : I received an incomplete order, with two items missing and marked " backorder '' on the invoice, for {$33.00}. I corresponded with XXXX twice by email asking them to cancel these two items for a refund, and never got a response or a refund. 

Two of the items were defective - a XXXX supplement with a two-month expiration date, and XXXX rancid-smelling tubs of body cream. I emailed the vendor about these, supplied photos of all requested expiration and other product markings, and never received a reply or replacement. Twice I asked by email if they wanted them back ( at their expense since they sent me defective merchandise ), also receiving no reply. The total amount for these defective items is {$42.00}. 

I opened a dispute with Capital One in late XXXX, and they temporarily reversed the entire {$130.00}. 

XX/XX/XXXX : CapitalOne shortly forwarded me a package of paper copies of the vendor 's documentation and reply, stating that I am due a refund of {$33.00}. Capital One has never refunded this amount. 

CapitalOne 's cover letter states that : " ... the merchant provided the following information to support the transaction - confirmation showing no return per policy was received. '' I called again and was again given a temporary credit of {$100.00} ( why this lesser amount I have no idea ). Back and forth phone calls from me, and numerous letters from them asking for more and more information. 

Each of the numerous phone calls recounting the facts was clearly not enough for them. The supervisor I spoke with on XX/XX/XXXX claimed that the dispute was incorrectly opened in the first place (!!! ) I have spent hours on the phone with many representatives, supervisors, and managers, recounting AGAIN the facts of the case, as though for the first time. 

On XX/XX/XXXX I wrote up a detailed XXXX narrative with many supporting screen captures, in response to their latest request for information. 

This was not enough for them, they have ultimately denied my claim on XX/XX/XXXX, due to my failure to provide : " A second opinion on company letterhead from another merchant int he same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. '' They are putting the onus on XXXX to find an online supplement vendor to donate their time, which is XXXX of the more preposterous requirements I have ever run across. 



Ultimately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I initially took out student loans ( private and federal ) thru XXXX XXXX to attend the XXXX of XXXX University ( XXXX ). In total I graduated with over {$90000.00} USD in debt. 
After my grace period ( 6 months ), I had problems playing the monthly on the loan. I had to go onto both forbearance and deferment. I had to refinance the loans and did so with XXXX XXXX ( which become Navient ). It became a 30 year payment plan. It was about 2 years before I started making monthly payments to the loan, starting around XXXX. The loan accrued to close to {$140000.00} USD. From XXXX on I made monthly payments. I paid ranging from {$750.00} USD a month to {$1000.00} USD every single month. Year after year. 

It is now XX/XX/XXXX and it's been 16 years. I have not missed a loan payment yet. On my account it still says I have {$81000.00} left to pay off all loans. Doing the math, 16 years, at {$750.00} a month comes to {$140000.00}!! The loan is supposed to be paid out by XXXX. By then I would have paid out {$250000.00}!! I will be XXXX XXXX XXXX. 

I have contacted Navient regarding my loans and they say there is nothing that can be done in terms of refinance or anything else. I requested my original promissory note and they could only give records that were incomplete in terms of payments. 

It seems criminal that I have yet to dent the loan amount. I have not been able to buy a house or have children because of all of this. I feel I am being manipulated and taken advantage by a loan provider that hides charges, payments, loses paperwork for account history, and ultimately I will have almost tripled the amount I originally took out. 

I feel I have been deceived my this loan provider in order to squeeze more money out of me then I originally signed to take for my college education. Their practices must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a credit account holder with Bank of America Visa. On or about XX/XX/2022, I received partial notification from Bank of America ( via email and website ) of a series of fraudulent charges on my Visa credit account. I immediately went to the Bank of America website, saw a series of series of fraudulent charges, and, in an interactive menu, checked each of them as fraudulent. Bank of America, via the website, did not acknowledge my entry. I attempted again and again to deny these charges, however there seemed to be no acknowledgement ( some, though not all, were declined by Bank of America ). I could not even view any further charges since the website had then locked down my regular account page. It seemed it was stuck in an endless cycle on the confirm these charges question. I underwent a similar process on a Bank of America phone app, also to no avail. 


I can not even verify the names and dates because I can no longer view them on my account. I later noticed even further charges totalling over {$400.00}, which are fraudulent and were not authorized by me. Using the website, I again hit a roadblock each time I attempted to dispute the charges. 

I also attempted to contact Bank of America by telephone at various times after this, at XXXX XXXX XXXX, with no actual contact and no success. 

As to the business practices of Bank of America, I am extremely concerned by the refusal to acknowledge my clear notifications of these fraudulent charges. 
I was assured by the website that my card would be cancelled and replaced due to the fraud charges and could no longer be used. This did not happen. Please understand, as this was all on website and I was not able to capture it, I have no way of proving these actions did occur. 

Bank of Americas questionable credit practices place the account holder in an impossible position, since he will be concerned about additional fraudulent charges and yet unable to : 1 ) dispute them on the website, 2 ) shut off the card, or 3 ) close the account, since these options are unavailable and he can not even reach Bank of America by telephone. This is an absurd and unreasonable position. The charges continued running up nonstop with no end in sight. I was ultimately forced to take the action of sending a letter via the Postal Service.

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 2022-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been a victim of fraud, as well as money being stolen out my account due to no account security and bank failure to deactivate bank card after activation of a new card due to first one being lost

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 2022-04-19
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:
XXXX XXXX Please review the complaints I filed regarding XXXX. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, XXXX advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - XXXX allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit. 
Since XXXX has failed to respond to me Im not sure what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-01
Company: Equity Auto Finance, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
on XX/XX/XXXX i XXXX XXXX entered installment contract ( # XXXX ) ( ACCOUNT : XXXX ) with finance company ( EQUITY AUTO FINANCE INC ) AND DEALER/SELLER ( XXXX XXXX XXXX XXXX ) AT ADDRESS : ( XXXX XXXX XXXX XXXX, XXXX, FL,XXXX. ON XX/XX/XXXX I EXERCISE MY RIGHT TO RESCIND CONTRACT ( # XXXX ) ACCOUNT : XXXX FOR AT LEAST THE FOLLOWING REASONS : WAS NOT PROVIDED WITH THE TYPE OF NOTICE OF MY RIGHT OF RESCISSION UNDER THE " TILA '' TRUTH IN LENDING ACT 12 CFR 226.23, 15 U.S. Code 1635. FINANCE COMPANY ( EQUITY AUTO FINANCE INC ) RESPONDED XX/XX/XXXX VIA TEXT MESSAGE TO HAVE MY LAWYER CONTACT THEIR ATTORNEY. I RESPONDED HAVE YOUR ATTORNEY GET IN CONTACT WITH ME AND PROVIDED MY EMAIL. THE EMAIL PROVIDED BY XXXX AT EQUITY AUTO FINANCE IS XXXX XXXX  XXXX ( XXXX ). THEIR ATTORNEY WAS CONTACTED TWICE AND DID NOT RESPOND. PLEASE BE AWARE THAT AFTER 20 DAYS LEGAL ACTION WILL BE TAKING PLACE IF CREDITOR DONT COMPLPY OR AGREE TO RETURN ALL EARNEST MONEY IN CLUDING DOWN PAYMENT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This involves my account with XXXX XXXX XXXX, and new returned phone XXXX and my entire account. My XXXX account was paid in full on XX/XX/2017 for a due date of XX/XX/2017. XXXX bills a month in advance of service. I closed my account with XXXX on XX/XX/2017. They actually owe me money. My Complaint is against Jefferson Capital Systems. They are reporting on my credit file for a debt that I do not owe related to XXXX. They report this in a way that is deceptive as if it is a current item, when it is not. it is 5 years old., This is not a valid debt as I owe no money to XXXX XXXX XXXX wrongly charged me fees, taxes, phone service for a phone I returned during the first 10 day grace period and XXXX also did not credit my account for charges related to the new phone that I returned to XXXX during the grace period. XXXX failed to reverse charges for service amounts and other charges. I paid in advance and XXXX did not credit me any of the charges they added regarding the new phone and they continued to charge me for a phone I didn't have- they had it. I was't using it but they were charging me anyway. XXXX continued to charge me month after month for service and phone number even a I closed the XXXX account on XX/XX/2017 a month and half later because they were not crediting me and were continuing to bill me wrongly and incorrectly. I decided to leave XXXX because they weren't correcting this after several attempts in contacting and speaking to them. I ported my phone number to XXXX and switched providers a month and half later. I didn't have service with them after XX/XX/2017. I owe nothing to XXXX. This is not a valid debt and this is also time barred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a credit account with Comenity Bank for merchandise I ordered from XXXX in XX/XX/XXXX for {$1400.00}. 

There was a 0 % promotion that expired in XX/XX/XXXX. All my payments were on time and paying down my balance. Then in XXXX the promotion expired, so they charged me interest. The problem is that the statement says that the XXXX is 27.99 %, and my balance at the time was {$260.00} - so that should be {$73.00} in interest right? Instead, they charged me {$260.00} in interest - they charged me interest on the entire balance I had originally borrowed, including the balance I had already paid off! How can they charge me interest on money that I had already paid back?!?! And why does n't the interest rate they show on my statement reflect the real interest I 'm being charged? 

And since then they 've been charging me more interest every month and late fees on top because I opened a dispute and they rejected the dispute. 

This is completely unfair and predatory. They 're wait times are astronomical so I can barely talk to anyone. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CCF Intermediate Holdings LLC
State: CA
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2020 XXXX XXXX XXXX has a collection against me in the amount of {$310.00} XXXX disputed this transaction with XXXX, XXXX and XXXX. Because this is false and incorrect. This account does not belong to me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verified proof ( an original Consumer Contract with my signature on it ) you have in the file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts to be vetified or removed immediately.

Company response to consumer: Closed with explanation