BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 Credit Bureaus to correct these erroneous items. 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. These were already included in my prior complaint and I'm including them 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Alum Financial, LLC
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern, I was contacted by this company that they were affiliated with the department of the education the were stating how i was qualified for this loan forgiveness program that ill have a 0 interest rate if I join them. and they said I had to pay them {$150.00} for 5 months then all my student loans will be XXXX for 2 years well my student loans were already {$0.00} until XX/XX/XXXX before this company even contacted me and i told them that and thats when they were bribing me about the 0 interest rate as per XXXX the rep there. they got all my information from my student aid account they wrongfully changed my password and fed ID to Federal aid account. I got several emails from my Federal student Aid that there is suspicious activity on my account so I call them and asked they said did you change your password I said no I didn't then I asked the rep about this company that reached out to me they stated that Alum Financial is not affiliated with the department of education and they suggested to change any financial information they may have. There has been a lot of scamming with the federal loans and i know for a fact im a VICTIM. The rep told me from Federal student aid said its been alot of it going around. so after i called I immediately called them and asked them where my money is going if im supposed to be paying for loans through XXXX XXXX the lady XXXX told me it goes to there services they rendered my issue is with this is that you can consolidate your own loans for free on the DEPT OF EDU website I spoke to two different people from this Fraudulent company that i want to cancel whatever you have I want you to delete all my information from your data base they REFUSED to do any of that instead they were threatening me saying that they will take legal action that they will destroy my credit and garnish my wages so i called Dept of EDU to complain and they told me they cant send you to collections if were your loan server not them i canceled on XX/XX/XXXX with XXXX XXXX from Alum and they still harass me and threatening me demanding money till this day..

Company response to consumer: Untimely response
Consumer complaint received 2022-10-04
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2022 I did a one month loan extension on my auto loan through Truist Bank. Since I did this my account has not been corrected. Truist took XXXX monthly payments out of my checking account in XXXX which was not authorized, only XXXX payment had I done myself. They have since reimbursed me for this error. That said, all my debts paid from my checking account that month have been returned as nsf adding late fees to every account plus now my credit is being negatively affected! Now this month they are attempting to try to say I made a late payment and expect me to pay two payments plus a late fee. I have made my normal monthly payment of {$270.00} ( reference XXXX ) I was not at fault for any of this mess and I feel Truist should correct this mistake asap so I am not being affected every month! This is just unacceptable 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 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
When I originally signed up for a Unsecured Capital One Credit Card I enrolled in Credit Protection and Creditwise. I got injured at work on XX/XX/2022. I called Capital One to try to use the Credit Protection. I was offered a payment plan instead of the credit protection. I declined. My credit score dropped over 100 points because of the nonpayment and I accrued a late charge. 

XX/XX/2022 I received a text from Capital One about my debt. I called and again asked for Credit Protection. The operator wanted to enroll me in a hardship program where I am not responsible for the payment for 3 months, but the nonpayment would still continue to reduce my credit score. I declined and asked " If I pay off the debt and close out the account will I receive my deposit back? ". 

The operator had me on hold for 20 minutes before saying yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have inquiries on my credit report that's fraudulent. I want these inquiries removed from my credit report. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-18
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me 3-5 times a day. Sometimes back to back. That is more than 7 in a week. It is harassing at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by my XXXX from a job I applied for that I have an collection acct for {$990.00}. From a company called MBA Law ( XXXX ) when I contacted this company they stated that I had a XXXX XXXX XXXX ( XXXX ) I notified the company I believe this is a mistake and I inquired why didnt I receive any notification from them about the bill I contacted XXXX XXXX twice and spoke with XXXX from billing who stated she dont see a bill in that amount and further more they do not deal with an MBA Law. They stated they felt with a company called XXXX help XXXX. I called the number twice to see if they possible deals with MBA Law and where did this bill may have come from since XXXX do not have a bill. I called the first time stayed on hold for XXXX. Someone picked up and hung up I called back being placed on hold XXXX minutes and someone did the same thing. MBA law is trying to get me to Pay a bill that I do not owe. Further more they placed this on my credit report without properly notifying me of such bill. I have XXXX insurances atena and XXXX both XXXX my parents so I normally dont receive a bill because XXXX is XXXX and XXXX pick up the balance. I may not get the job because this company placed this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX 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 2021-07-08
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:
I have made repeated reports to the credit reporting agencies to remove erroneous data all agencies refuse to provide assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Recently monthly " auto-debits '' were arranged with " SLS Mortgage '' for {$1600.00} from my business bank account. I am in the process of contacting " SLS '', who purchased this note from the previous lender, to seek confirmation that I am not permitted or " allowed '' access to this account which is not the case according to the attached documents. 

The other issue I need clarified is the nature of an interest regarding a lender, a " Deed of Trust with a Vendor 's Lien '' and other related documents which specifically identify as joining into the conveyance " pro forma ''. The conventional wisdom about " pro forma '' signatories is that they have no real or conclusive " possessory interests '' since they signed merely for the " appearance '' to shore up a lien or collateral interest.

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 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have reached out to Capital One on multiple occasions explaining that someone fraudulently opened a credit card account in my name I have provided multiple documents via all 3 credit bureaus however each customer service representative that I speak to XXXX never find the account that appears in my credit file. Then someone reaches out and says they cant find the account but they know its mine and it will stay on my credit report, Capital One has been nothing but disgusting and disrespectful! I am a victim of identity theft as it states on all of my credit reports my own family member was the one who stole my identity so of course there may be similarities as far as my mothers home address but that does not dispute the fact that I AM A VICTIM OF IDENTITY THEFT! My next step is preparing for my lawsuit against capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RE : Dispute of Derogatory Report from National Recovery Agency / ( BXXXX XXXX XXXX ) We received a letter/statement from National Recovery Agency ( NRA ) on XX/XX/XXXX dated XX/XX/XXXX stating that we had been placed into collection with them by a law firm ( XXXX XXXX XXXX ). We were the victims in a theft case that XXXX XXXX XXXX had been representing us in, but after closing the case we received a final billing that we are disputing. 

As per the instructions on their ( NRAs ) own notice dated XX/XX/2018we were notified that we had 30 days to notify them if this claim was in dispute, which we did by phone ( ( XXXX ) XXXX ). 

Directly thereafter, we again followed up ( by mail ) with NRA again stating that they were not to continue contacting us on this matter until such time as they had a valid claim ( such as a judgment against me ). We stated again that this was not a valid bill. This was done to NRA by U.S. Mail ( certified, return receipt requested ). They ( NRA ) received and signed for the letter ( copies attached ) on XX/XX/2018 again well within the 30 days stated on their own paperwork of XX/XX/2018 ( copies are attached ). 

In response to our certified letter, on or about XX/XX/2018 from NRA we received a copy of a XXXX XXXX XXXX billing summary, which reflect totals that we are contesting. ( copy of postmark and front page of document attached ). 

On XX/XX/XXXX we checked our credit reports, and found that NRA had placed a derogatory entry for collection against me with XXXX. It is our understanding that under provisions set forth by the Federal Trade Commission and other governing legal bodies this is not legal since this is a contested debt and neither XXXX XXXX XXXX nor National Recovery Agency has obtained a judgment against me. Furthermore, it seems National Recovery Agency placed this derogatory entry with XXXX  on XX/XX/2018 which is even before their original notice to me dated XX/XX/2018. This allowed us no time to inform them that this bill was being contested. 

Once again on XX/XX/2018 @ XXXX, I called NRA ( XXXX ) XXXX to discuss the fact that they ( NRA ) had illegally posted a negative entry onto my XXXX report. After much initial stonewalling by a Mr. XXXX, I was transferred to a manager XXXX. He stated that all I could do was forward my information to them via their attorneys email address ( XXXX ) and he then just hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: CA
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2022-11-27
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America card ending in XXXX had two unauthorized transactions totaling XXXX. I wrote the company in XX/XX/2022 to file my fraud assertion. The company removed the amounts and then rebilled them claiming that my address was used as part of the transaction verification. I subsequently wrote back indicating the transactions were not authorized and that they needed to be removed along with any subsequently billed fees and interest. 
I continued to receive billing statements with the rebilled amounts plus fees and interest now totaling {$180.00}. 
I received a form letter recently that asked for me to call. Their records will show that I made at least two attempts to have my issue addressed but no phone agent was able to either direct me to the appropriate department or was able to assist with my account. 
In addition to a full credit for the fraudulent charges and fees, I need written assurance that any subsequent late payment reporting to the credit reporting agencies has been cleared.

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 2020-10-01
Company: CITIBANK, N.A.
State: NY
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'm filing a complaint in reference to my Account XXXX American Advantage Platinum Select Credit card wants to hit me with late charges {$19.00} XXXX, total {$19.00} the pending charges was {$19.00} and was not paid on time. 

l didn't know about my charges because Platinum Select decided on their to send my statement paperless. 

Explained my situation and stated that I have been banking with Citibank since XXXX and I have never seen this type of shakedown! 

My account has been in auto pay mode for many years, and all of a sudden this service was disconnected. 

Citibank records indicate that on XX/XX/XXXX I lost my credit cards and I was issued a new card! At that point, this auto pay service was disconnected and very conveniently I was not informed. 

During this pandemic, I have not paid my rent, my electricity and so forth.And I plead with the credit card company to waive the so called late fees, and was told " we are not in the position to waive or delete these charges! '' American advantage, had signed my account paperless without my permission, I was unable to see my account online because of security issues. 

I have been banking with Citibank since XXXX. At this point, I feel the credit card company is being abusive! its position as a credit card institution doesn't give them the right to dismiss my legit and valid explanation!! 

Sincerely, 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 monetary relief
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/XXXX I sent out disputes to each credit bureaus asking them to block the inaccurate items on my report due to identity theft also sent in a ftc report showing items that is effecting me. According to consumer law 15 USC 1681 C-2 any credit reporting agency shall block information in 4 days upon receiving notice of breach of identity. The Credit Bureaus have failed to do this violating my consumer rights. And i am impaled to seek the proper remedies if this is not properly taken care of. 

On XX/XX/XXXX i received a letter from all bureaus stating that my request was sent in error which is very disheartening being as though I am the natural being consumer. According to procedure in case of disputed accuracy 15 USC 1681I I should be afforded a fair investigation of the disputed items to be looked into for accuracy. This matter has not been taken into consideration.

I am asking all my request be granted thru the fairness of the law and taken care of expeditiously

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 2023-02-25
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
I noticed fraudulent activity on my American Express account. I disputed the charge with American Express and then requested they close my account afterwards. I received a confirmation letter indicating the account was closed. Several days later, I received a bill from American Express for an unrecognized American Express account. I attempted to resolve the matter with American Express, however the representative requested I provide them my SS number. Since I believe the source of the security breach is American Express, I am highly reluctant to provide my SS number to an overseas call center.

Company response to consumer: Closed with explanation