BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MI
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 sent of letter of dispute asking about proof of a debt and a contract with both party signatures. they sold the debt to an debt collector name XXXX XXXX XXXX still harass me even though they have ignored my dispute. both them and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MA
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 PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXX  ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED.

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS!

CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 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 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 2017-02-18
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
Had taken {$1100.00} Cash Advance from PNC credit card on XX/XX/XXXX and am wanting to refund it in full today on XX/XX/XXXX.However, have been told to pay full amount outstanding as of today i.e {$2100.00}, though my next Statement balance is due XX/XX/XXXX for only {$560.00} and the other balance amount will be due only XX/XX/XXXX. Blatant malpractice, not allowing consumer to pay in full the cash advance portion only merely 10 days after it being taken. Why can not PNC apply my payment towards the cash advance and want me to pay full balance of over $ 2k two months in advance to apply {$1100.00} of Cash Advance loan? Its malpractice and a fraud! Please do help!

Company response to consumer: Closed
Consumer complaint received 2020-11-09
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: Information belongs to someone else

Complaint:
THESE ACCOUNTS ARE FRAUDULENT AND DO NOT BELONG TO 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 2023-02-11
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:
Ina ccordance with the Fair Credit Reporting act XXXX Account # 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 2020-07-29
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX   1, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports

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 2017-03-31
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was solicited to apply for student loan forgiveness from a company called Fed Loans in XX/XX/XXXX. They told me that because I worked for a non-profit organization ( XXXX ), that I qualified for loan forgiveness after a 10 year period. I filled out the application over the phone and faxed all of their required documents, including tax forms and proof of income, as well as my employer 's tax identification number. I was required to reapply every year, and did so diligently and on time. After my attempt at renewal for XX/XX/XXXX, they came back to me with a denial letter. I still worked for the same company and had not even received a raise during my time with that employer. When I asked them why I did n't qualify, they told me that when I first applied, the person who took my application entered incorrect information and it disqualified me. I tried to explain that this did n't make sense because I qualified fine the following year, but they refused to listen to me. I had made several calls and attempts to requalify, to no avail. When I was forced to begin payments once again on my loans, the interest was higher than my previous ( XXXX ) service and I had 2 years of additional interest and payments added onto my loan ( because I had n't paid during the time I was " qualified '' for the loan forgiveness ). I feel deceived and angry. 
*I was a University XXXX student

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a fraud case against a XXXX XXXX XXXX after they attempted to scam my husband and me. Over the phone, a Bank of America rep said they would refund all of the money paid from my checking account ending in XXXX. There were three transactions that Bank of America said they would refund. Amounts were a down payment amount of {$6200.00}, and two additional monthly paid amounts of {$930.00} each. When I received the one refund for {$6200.00}, I moved the funds into another BOA account. Later on, XXXX wrote a rebuttal letter full of untruth about what happened. Bank of America reversed all funds back to XXXX ( including the {$6200.00}, which set my account into a negative balance. I wrote another response letter. This time I sent actual documented proof of the fraud. One day, as I went to check the status of my account, I discovered Bank of America shut down my account. They did so without notice or reason for doing so. Before BOA shut down my account a few deposits from my job were absorbed into the negative balance. I filed a complaint with the FTC a letter concerning XXXX. ( I have the letter as proof ). I waited for the investigation. Still no refund to me. Finally, at the end of last year ( 2021 ), I received a notice that the FTC filed a class action lawsuit against XXXX. The FTC sent me the lawsuit letter with a small check for approx. {$170.00} because I was one of the victims of fraud. I called BOA and reported the class action lawsuit with the hope of having my account restored and money owed refunded. BOA rep agreed that I would get my account restored and my money refunded back to my account. I was instructed to fax a copy of the letter and the check to them. I faxed a copy of the letter and the check to them. After waiting several days for a response or refund, I called BOA. Several times I was hung up on after explaining my situation. On other days when I called, I was switched around back and forth held in a queue for several hours. The last call I made, my call was switched between five different departments for approx. 4 hours. I has to repeat my situation each time including my name and verification process. Very frustrating because I was told I did not have to do this each time I was switched. Anyway, each dept would agreed that I would be given my money back but each dept was confused on how or what should happen next to make this happen. Each department pointed me back and forth in an infinite loop. Today, my account has still not restored and the money owed to me by BOA has not been returned yet.

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 monetary relief
Consumer complaint received 2021-08-10
Company: Experian Information Solutions 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 status incorrect

Complaint:
I am writing to dispute a XXXX reported delinquency on my payoff of the lease-end residuals. I just want to take this opportunity to point your attention to the fact that I have 2 leases with XXXX XXXX for the entire life ( 3+ years ) of these leases I was never late with my payment. 
I was paying it off in a good faith, as arranged with their lease-end dept. representatives, who reassured me that have time to pay until charge-off of the Account, that would have happened in XXXX, 2021, when I spoke to them in XXXX and then again in XXXX. Based on that arrangement I spaced my payments to complete paying off the balance by end of XXXX. To accomplish this I was making 2 to 3 payments a month ( see below ). 
Date Received Amount XX/XX/2021 {$400.00} XX/XX/2021 {$200.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$150.00} XX/XX/2021 {$300.00} Now when I found out that my account was reported as delinquent on XX/XX/XXXX, which caused my credit score to plummet, I called again and happen to talk to the same XXXX representatives I spoke in XXXX, but he didnt acknowledge that arrangement, and continued to state that they didnt indicate that I have time to pay until charge-off of the Account that would have happened in XXXX. They caused me financial difficulty by reporting my account as delinquent to 3 credit agencies, which caused my credit score to drop 40+paoints ( from excellent to good ).

As a result I filed a dispute with 3 Credit Agencies : Experian, XXXX, and XXXX  and writing to you as a consumer with an excellent credit rating to right this wrong so that I can have back my excellent credit score that I worked so hard to build and maintain for the past 15 years. They ruined me. Looking forward to the positive outcome of this complaint.

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 2020-07-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/2020 we proceeded to buy a used car through XXXX XXXX. Without problems we unlocked our credit information with XXXX  and XXXX. Equifax, however, did not immediately respond with unlocking our info, and I had to repeatedly navigate through their interminable menu ( providing the same personal authentication information several times ) before our credit information was provided to XXXX XXXX. 

Shortly after this we began communicating with our bank to consider refinancing our home mortgage. Again Equifax proved impossible to deal with. I have through their website changed my account password numerous times and when trying to log in, each time I'm told that the information I provide doesn't correspond with their info -- this, immediately after I've changed the password and clicked on " Log In. '' Likewise I was unable to unlock my credit information by telephone. I tried several provided phone numbers to no avail. Eventually the loan officer at the bank gave me a number, then another different Equifax number, and eventually I was able to unlock. But it took numerous attempts ( I estimate 9-12 times ) before success.I will now provide the most recent letter I received ( dated XX/XX/XXXX ) indicating that the password change has been successful. No, it hasn't been successful as of today ( XX/XX/XXXX ). 

Today I finally got through to a live individual in telephone customer service whom I asked to help while I was actively on Equifax 's webpage. After asking for personal information which Equifax should have had for years ( date of birth , street address, etc -- " In order to fill in some blanks on your account '' ) I was placed on pause -- and after about 4 minutes the call was dropped and I was transferred to an automated survey on how well Equifax does. I have not received a follow-up call from the same individual or from someone in his department to complete the correction process. 

I want to complain about the sheer resistance Equifax has shown toward customers and its failure to improve its customer service. To date I still can not access Equifax or my.equifax.com and must do so only by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Made a purchase at a local XXXX XXXX XXXX in XXXX of last year. HD was offering a promotion. XXXX percent interest for XXXX mos on all purchases made over {$190.00}. Must use HD consumer card. Minimum Monthly payments required. I also requested a covid 19 assistance program where 2 months of no payments ( interests free ) would be added. Balance must be paid in full at end of 3 mos or interest would be charged. So, my final payment for the promotional period went from XX/XX/2020 to XX/XX/2020 at XXXX interest. My payment date is the XXXX of each month. Always made the minimum payment of more. Never noticed any interest charged on my account until I received my XXXX statement via email. Balance should have been {$44.00}. Was {$46.00}. I was charged {$2.00} interest on an interest free promo. Citibank offers credit for the the XXXX XXXX store card. I was wrongly charged {$2.00} XXXX. I am paying my balance off. I do not want a credit to my card or account. I want to receive a check for {$2.00}, since I already paid 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 2021-08-09
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX on a debt with XXXX XXXXXXXX XXXX, even though there was a clouded issue of true ownership.  At the same time XXXX XXXX XXXX stated that it purchase a debt from Capital One N.A., so did The XXXX   state that they were collecting on behalf of another debt buyer known as XXXX XXXX XXXX XXXX.  I have already submitted my CFPB complaint pertaining to that issue.  Now XXXX XXXX XXXX has a standing policy to delete all collections that have been settled.  For that reason I decided to settle with XXXX XXXX XXXX. XXXX is still posting this paid collection and mailing to me collection letters.  This must cease immediately and the account must be deleted on each credit reporting agency permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I am a client of XXXXXXXX XXXX XXXXXXXX ( Headquarters ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I have made a request for XXXXXXXX XXXX to transfer {$11000.00} to my bank account in XXXX to CLOSED JOINT-STOCK COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This transfer was made on XXXX of XXXX. And still, I haven't my money. The corresponding bank for this transaction is CITIBANK NY. And as XXXX XXXX said CITIBANK NY block this transfer, because of sanction. I have written to the OFAC and got an answer that they haven't found any blocked my funds. Also, XXXX says that Citi cant gives any clear information to them. And can't find any legal reason why it happened. I already filed a lawsuit against the XXXX regulator. I want to resolve this problem as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ran my credit XX/XX/XXXX and noticed there was a collection account for {$2000.00} sitting on my personal credit. It's taken me 6 hours of phone time to contact all the 3rd party collection company, XXXX XXXX as it seems the fraud was done through them, XXXX and now XXXX who is requiring this report as well. I've already had the collection company and XXXX on the phone and they concur this is not my valid charge. Account that was opened and closed within 1 month in XXXX. 

Respectfully, requested this be removed from my account as a practicing, licensed through XXXX and CA XXXX, I'm aware of the protocols and sincerely never had to personally go through this process, which is completed painful and shame we take this long for our consumers to resolve. It gets placed overnight but takes a ton of work and effort to attempt and successfully remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have attempted to fix errors on my consumer report on multiple occasions. I have two accounts that are being inaccurately reported on my consumer report for {$67000.00} & XXXX. 

Other consumer reporting agencies have deleted the inaccurate accounts from by consumer report but Transunion has willfully and knowingly ignored my demand to have them removed. 

Please be advised that " verified '' is not a legal or lawful response.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my right 15 U.S.C 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 : It also Sates a Consumer reporting agency can not furnish an account without my written instructions 15U.S.C. 166b A Creditor May not treat the payment on a credit card account under an open end consumer credit plan as late for any reason.

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