BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX, a natural person, letting the CFPB know that The XXXX XXXX XXXX is reporting a fraudulent account ( # XXXX ) on my credit profile. I DID NOT GIVE EXPERIAN CONSENT to put this on my profile. This account is damaging my credit worthiness. According the FCRA, a collection of an account is a permissible purpose to obtain a consumer report ONLY when the collection is in connection with a credit transaction. I did not apply for ANY credit/loan with The County of XXXX XXXX , nor did they have my written consent to put this onto my profile. Due to this fraudulent account on my credit profile, I have been denied credit and my report has taken a serious hit, dropping my score tremendously. This is in violation of the FCRA, and if not deleted, I will sue Experian because they were put on notice and is willingly furnishing false information. Experian has been put on notice since XXXX. I have attached my letter for Validation sent to them on XX/XX/2023. I also have attached the DOJ letter, Validation of Debt, Notarized, the XXXX Notice, Notice of Demand for Responsibility Contract from the Child Support Agency, and lastly a Notice of Deletion to Experian. None of the entities have responded. If this account is not deleted immediately. I will sue Experian in a Court of competent Jurisdiction.

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 2021-05-10
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: Information belongs to someone else

Complaint:
I pulled my report and I have seen numerous inquires that I didn't authorize.. Tried calling the company and they have no record of it. I called credit bureaus and they failed to help me by keep stating the company can only remove them.

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 2023-10-27
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I purchased my first vehicle. A few months after buying the car I had an unexpected job loss and was no longer able to make payments. I contacted the company in attempt to resolve the matter or come to an agreement. I attempted to voluntarily return the vehicle to the company but was misinformed by them, who claimed that voluntary repossession was not an option. Despite this, I willingly returned the car to the company, who then claimed on my credit that it was an involuntary repossession. At the time I did not know my rights and I did not understand that they were making false remarks on my credit. Later that same year, I attempted to contact the company to try and settle the account. Unfortunately, the amount they were willing to settle was outside of what I could afford and I was unable to settle the account at that time. Now, in XX/XX/XXXX I was finally able to contact the company to settle the account. I immediately paid the agreed upon amount the same day I contacted the company. The company assured me over the phone that the account was settled and closed and that this would be reflected on my credit and I would receive a letter in the mail as well. About a week or so later I received the letter in the mail stating the account was settled in full and that the lien was released. In early XX/XX/XXXX my credit score increased, reflecting the paid off debt. Then shortly after this, I received notification that remarks have been changed on my credit indicating that the debt is still owed and that the account with them is not settled which drastically reduced my credit again by XXXX points. I am highly confused by this, as I have the documentation showing the account was settled and I have always done what I could to respectfully communicate with this company and attempt to resolve the matter. I attempted to dispute the remarks with both XXXX and XXXX but they are claiming the company is " verifying '' the information which further shows that after I settled this account the company is still attempting to harm my credit for, seemingly no reason. I do not understand this concept that appears to be common with debt collection agencies to further harm people who have already experienced financial downfalls. Especially when the consumers make all attempts to communicate and resolve matters. This company has been paid and gains no further benefit by changing and adding remarks to my credit to further harm my financial independence. I have attached documentation showing that the company has been changing remarks after the date they were paid.

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 2023-02-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I request Physical Verification of this debt that was report to my credit by Equifax, XXXX and XXXX. I got the same respond back they investigate is and a physical and the court report this true and accurate. I send the same letter to the bankruptcy and there finding was they never report that information to my credit report at all. I have attached the letter from Bankruptcy Court. The information that Equifax, XXXX and XXXX say had been verifiable was not even report by the court. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Reporting agencies must not disseminate outdated negative information. 

Violation ( s ) : Reporting agencies give inaccurate financial information about you.

Agencies fail to follow guidelines for handling disputes.

Reporting agencies providing information to unauthorized persons or businesses. 

Please remove this from my credit report because is a clear violation of fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bank of america XXXX  there were transactions that I didn't make at all I wasn't around I was in XXXX  I was just released on XXXX and when I was finally able to log in the account I seen charges that I never seven made it was a lot of money so I been trying to file a dispute I sent all my paper work to prove them I wasn't the one using the card I even went to the bank to verify my identity twice and they still haven't let me file my dispute I spoke to XXXX first and they said for me to file the dispute since they have also sewn the paper work when I was released from XXXX bank of america is the only one making it a problem

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 2023-08-22
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
We purchased a XXXX XXXX XXXX trip and it was canceled due to Covid, booked another trip with the credit from the XXXX trip, and that was also canceled, then booked an XXXX cruise with the credit, due to sail on XX/XX/2022, and that was just canceled. The cruise line is now going out of business and the credit card company, Chase XXXX said it has been too long to get a credit back. The cruise never set sail yet and we received nothing for our money. What can we do? We are senior citizens living on a fixed income and this is a tremendous amount of money owed to us. Any kind of help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so I paid these two accounts off in full on both of them. then I get my bill and one still has XXXX in interest and the other one about XXXX. I call customer service to find out what's going on and I get these supervisors overseas that have no power to do nothing on the account but press buttons that tell them yes or no they have no power to make exeptions it like talking to a scripted robot I paid over XXXX and these guys wan na charge me another XXXX on both my accounts I have been a loyal customer with them for years and keep my accounts in great shape they don't care about loyalty they don't care about anything you can't complain to the cooperate this worthless supervisors are the highest u can ever get and they have the authority to do nothing not a darn thing what so ever I want my interest back on bot account I refuse to pay that is really ridiculous there is XXXX on XXXX and XXXX on XXXX these are such small amounts they are trying to rob me for I just gave them XXXX grand and paid these off in full and they can't give me courtesy credits on these where is the world coming these companies are just nickel and dimming people to death its ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms carpet and appliances very clean and spotless. 

Based on lease contract item 20 Cleaning, I had a professional cleaning for all Utilities appliances and carpet and leasing Office staff checked and very satisfied, so XXXX XXXX XXXX had no reason to charge a carpet {$70.00} and cleaning {$160.00} for me. 

XXXX XXXX XXXX was managed by XXXX. XXXX sold the debt {$210.00} to COLUMBIA DEBT RECOVERY LLC DBA Genesis I tried to contact with XXXX and XXXX XXXX XXXX, and Genesis through XXXX, but all they didnt respond. 

This is a invalid debt collection. I attached all documents related this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have unauthorized inquiries and two Fraudulent Collections appearing on 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 non-monetary relief
Consumer complaint received 2018-08-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issue # 1 My name is XXXX XXXX and I have been making payments on my private student loans to Navient since XX/XX/XXXX. Here is the problem : - My original principal issued on XX/XX/XXXX is {$5000.00} - My current unpaid principal is {$5500.00} - My number of payments since XX/XX/XXXX are 72 payments totaling to $ XXXX*.

* Includes {$130.00} of fees, {$4100.00} of Interest, {$1300.00} applied towards Principal.

- Total Capitalized interest by lender on my account is {$1900.00} which is disabling lowering my principal.

Navient keeps increasing the interest rate, currently 12.375 % This is absolutely 150 % UDAAP predatory practice. Navient is a thief. My lender is disabling me from ever paying off my student loan.

Issue # 2 My lender is discouraging me from releasing my cosigner due to some of their requirements to release the cosigner, while other lenders don't have these requirements : " The borrower must also provide documentation of the following : Proof of graduation or successful completion of course of study. '' I did complete those courses years ago in XX/XX/XXXX/XX/XX/XXXX but it is a hassle getting those transcripts. Yet, I didn't finish the program. Every time I call Navient about this issue, they refer me to the " form '' like it is above the Federal Lending Regulations. 
Therefore, I can't release my cosigner given all the payments I have been making, which is disabling my cosigner from getting a lower rate for a business loan for their business. 
Ultimately, this is disabling me from being financially healthy and affecting my relationship with my cosigner.

Navient doesn't seem to be an ethical lender at all. Navient is a Champion of UDAAP when it comes to lending. Shame on them. ( definitely going to XXXX ).

Per my research, Navient did the following : - created obstacles to repayment by providing bad information ; - Definitely processed payments incorrectly ; - failed to act when I complained ; - illegally cheated me out of my rights to lower payments, which caused me to overpay for my student loan ; - deceived me about requirements to release my co-signer from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have Banana Republisc credit card. This card was with XXXX XXXX and in year XXXX they moved to BARCLAYS BANK. Due to this my auto payment set up failed for payments. I raised multiple requests to customer care to fix my account. It took 2-3 months to fix my account ( XX/XX/XXXX to XX/XX/XXXX ). They removed all the corresponding penalty fee related to late payment charges on my account but did nto remove late payment removed from the credit report. I requested through mail/ phone call but they are not able help me on this. 
The late payments on my account was due to their system problem but not my ability to pay the payments ( It was a {$30.00} charge total {$60.00} ). I request you to look into this and help me to remove the late payment in my account history. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX XXXX XXXX I go into pnc bank and was told my account has been frozen some lady called from another state and froze my account and told me the bank was closing my account because my friend went into another pnc bank and added cash into my bank account also I had a open dispute opened and they did not follow the correct percedure to settle it instead they closed my account and took XXXX  out of my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: CA
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:
I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I had three transactions show up from my checking account. {$200.00}, {$190.00} and {$190.00} were processed through the cash app. I do not have a cash app account and can not get in touch with company at all unless I create one. This company let somebody use my debit card for the transactions. This caused my account to be overdrawn substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Collection Management Holdings, LLC
State: MO
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:
On XX/XX/2023 I contacted Collection Management Company about a XXXX accounts that Are reporting negative on my credit profile. I asked the company rep to help me understand the Credit extension that I obtained from them and what services that was performed by them for me. I don't recognize or remember having a contract with them. I also informed them that my rights per Fair Credit Reporting Act was being violated and hurting my credit rating. I also asked them to remove these reporting accounts from my credit profile.Also to VALIDATE THE DEBT Per.15 U.S.C 1681 Method of Verification Law. I also asked the company to provide the copy of my original invoice or receipt with my signature. I also requested a Itemized bill with every single charge from the original contract.I also notified them about that if the following accounts : XXXX. Collection Management Company Account number # XXXX XXXX {$970.00} opened on XX/XX/2023 XXXX. Collection Management Company Account XXXX # XXXX XXXX XXXX opened on XX/XX/2023 XXXX. Collection Management Company Account Number # XXXX Balance XXXX wasn't removed I would Report it here to the Cfpb and also state that these reporting accounts also wasnt following metro 2 compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX - Mailed certified Letter to Equifax XX/XX/XXXX- Letter received by Equifax . See attached. 
USPS Tracking number XXXX XX/XX/XXXX- My file was closed with no investigation into one of the items that I had sent in to them. See attached. 
XX/XX/XXXX approx. I called in to find out why they did not look at the item in question- XXXX XXXX XXXX Acct. The rep didn't have a solution and told me sorry.

Company response to consumer: Closed with explanation