BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was buying a bulk of groceries through XXXX XXXX app and decided to use Citizens Pay as I didn't have the full amount to pay up front. When I went to check out and my order was ready I realized the order was in a different state ( XXXX ) when I live in XXXX. I called the XXXX XXXX 's and advised them if they can cancel the order since there will be no way for me to pick up a different order in a different state. They canceled the products and I have proof on my app showing this. I have called both XXXX XXXX and Citizens to get this issue resolved for 2 months now because this incident occurred XX/XX/2023. I have a case for XXXXXXXX XXXX XXXXXXXX and a escalated case for XXXXXXXX XXXX XXXXXXXX. The last I heard and keep hearing from both companies is that this will be fixed. The fine line print for XXXX is 3-5 business days to receive back my credit or refund on card if used by card. I have received nothing and citizens bank credit line back to par. This has damaged my credit by XXXX points and regret to say has been a terrible problem and has yet to be fixed. My total order for this was {$310.00} and to this very day is still showing I owe this amount. I have reached my limit of patience of this getting resolved and have no were to turn to because I am not receiving any answers for this to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE TRIED SO MANY TIMES WITH EXPERIAN CREDIT TO REMOVE ALL OLD ADDRESS WHICH MY MAILS GOES TO OLD ADDRESS WHICH DOSENT BELONG TO ME. I HAVE REQUESTED EXPERIAN TO UPDATE MY CURRENT ADDRESS THEY HAVE NOT DONE ANYTHING SO FAR. I AM ATTACHING MY CURRENT ADDRESS ID SO PLEASE UPDATE MY INFO AND DELETE ALL THE OLD ADDRESS

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 2022-10-03
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: Information belongs to someone else

Complaint:
Experian is furnishing fraudulent information on my consumer report. XXXX XXXX XXXX Alleged account number XXXX. Ive brought this to their attention several times with no success, they have yet to furnish any supporting documentation that this belongs 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 2023-01-13
Company: Experian Information Solutions 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:
You're in violation of the law! 

Until you can show me that you gave XXXX XXXX XXXX and XXXX XXXX XXXX, I demand that this data be removed. According to HIPPA, the health insurance portability and accountability act of 1966. I reserve the right to preserve my medical records, personal information, and privacy from all outside authorities. Send the proof to the address you have provided for me, please. The letter I'm asking to be delivered serves as confirmation, and I ask for all the information you got from the provider regarding the purported debt. 

FCRA is broken if you keep reporting this supposed medical debt without properly confirming it and showing me proof of my consent. You just have 30 days to delete this material, and if you don't, I'll start legal action.

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 2023-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I booked a stay for XXXX for XXXX XXXXXXXX through a 3rd party XXXX. Per policy, any changes of reservations is to be done through 3rd party. I needed to change the dates of stay to XX/XX/XXXX. I was in the timeframe of penalty. I reached out to XXXX to see if there was a chance to make the changes without charge. XXXX reached out to the hotel. I was told they were going to allow me to change the dates without a penalty. I specifically told XXXX I would only change the date as long as I would not be charged. They gave me confirmation that they will allow this without a charge. I completed my stay on XXXX and paid {$980.00}. Upon checking my bank statements I noticed a charge on XX/XX/XXXX for {$480.00}. I contacted the hotel who stated I was charged for a no show. They stated that I never cancelled my reservation therefore I was charged for a no show. I explained to them that I did cancel. They declined to hear any further and told me to speak with the 3rd party. I spoke with the third party, XXXX multiple times. Via the online chat services and on the telephone. I have been told that the XXXX staff spoke with a XXXX at the XXXX XXXX and gave the okay to cancel. However, XXXX confirms there is an employee with this name but they deny notes being made. They refuse to refund me the charge. XXXX is not charging me and has issued a refund however the charge is from XXXX. I have filed a dispute and have been denied. I have spoken with several team members at capital one who all deny my dispute. I am stuck in the middle of two companies who refuse to admit their wrong doings. I cancelled and was given the okay to cancel without charge. I was charged incorrectly. They are charging me for a no show but I did cancel appropriately. Capital one is requesting a document directly from XXXX but this not realistic or possible when booking through a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV FUNDIND LLC ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEVADA ) I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEDGED DEBT. NONE RECIEVED/NO RESPONSE ALLEDGED DEBT HAS BEEN REPOTED TO THE NATIONAL CREDIT BUREAU/S .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX of 2023 I had my card stolen at XXXX XXXX XXXX. Someone used my card to charge two different items one totaling XXXX and another XXXX XXXXXXXX as soon as I noticed my card was gone I lefrlt the event and checked my account and called right away to shut down the card. I have no proof that I did not make the purchase except for the fact that I have no items. Obviously I wouldn't have a receipt. The merchant claimed the their used tap to pay so no pin was entered. I should not be responsible for the charged because the bank should require pin numbers for all transactions even tap.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
to whom it may concern, i recently sent out letters in regards to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2200.00}

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 2019-11-19
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was double billed with Fed Loan Servicing and when I called to request a refund of the money they told me it would take 45 days. The Fed Loan Serving representative with employee ID number XXXX was also very rude and told me it was my fault. I ended up having to go to my bank and tell them it was an unauthorized refund to get my money back. Fed Loan Servicing is absolutely the worst company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is an old cell phone bill originally by XXXX, that occurred in XX/XX/2012 while I was in high school working a part-time job. I paid on it until my temporary job ended and it took awhile to get another part-time job. Due to limited income I was not able to continue to pay and XXXX turned the unpaid bill over to a collection company. This is now affecting my credit score and now affecting my ability to get a good job with a federal agency. I am willing to settle the account but I would like proof of the contract which I am not getting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check to the US Department of Treasury for {$3900.00}, and mailed it in XXXX. I made an error and put the check in the wrong envelope, and it went to the City of XXXX XXXX, Missouri instead. The City then deposited it, and the bank made payment in the amount to the City. The check was not made out to the City. The back of the check clearly indicates it was deposited by the XXXX City Treasurer. BMO Harris should not have paid those funds to the City of XXXX. I raised the issue with the bank today, and they said they don't have any further information other than what is on teh check, refused to acknowledge responsibility, and directed me to the local branch to file a fraud and forgery report. But, this is not fraud or forgery, it is the bank issuing payment inconsistent with the payment direction on the check. 

This was the response in the chat, after noting that the endorsement did appear to be by XXXX, rather than the US Dept of Treasury. 

Thank you for your patience XXXX, after further reviewing, my back office was not able to locate any other information. They only can see what we are seeing. The manager said in this case if they were not suppose to receive these funds you will need to file a Fraud and Forgery dispute. This will take place a local BMO branch you will need to fill out a Fraud and forgery affidavit form and have it notarized. I asked why did we allow it to go through and they mentioned due to the depositing side not finding any errors with the check it was able to be processed. They did ask if you had any open accounts with the city treasurer because if there was no account to place these funds in they should have sent it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name 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 has violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from XXXX XXXX XXXX ( XXXX ) in the mail a couple weeks ago for {$45.00} ( but said they were willing to settle for {$34.00} ) to collect a debt on my PayPal account. I called PayPal, and they said I have a long history of being in good standing with them, and that I owe nothing. Furthermore, they said if I did have a debt, they would use my email address for communication, and not send anything to a 3rd party debt collector. They told me the letter I received was fraudulent and to disregard it. I have already filed a claim with the XXXX as well. There are hundreds of fraud/ phishing complaints about XXXX XXXX the internet, and I am curious if they are true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2023-07-28
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$3600.00}.

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 2023-03-17
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-07-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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