BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: MARINER FINANCE, LLC
State: DC
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. 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 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: GA
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 believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies 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 15 U.S.C 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX 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 2019-07-16
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My issue is with Charles Schwab bank back in XXXX ( 3 months now ) I opened a checking account with Charles Schwab bank and it was fine I funded it used it a little bit made a few deposits without a problem so then I deposit some my work checks totaling almost {$8000.00} {$7900.00} roughly and still no issues the firs {$800.00} is made available to me then all of a sudden the account is locked without anything changing or without warning whatsoever and when I called about it they told me they had to run my credit in order to verify my identity because I locked my credit profile ( which I always keep it locked unless Im applying for credit which I was not in this case ) so I unlock it like they requested and its still not good enough for them they dont release the hold on my account ok so they tell me I can fax over some documents ( my drivers license and my social security card ) which I do still not good enough now they tell me I have to go to the branch which I explained is not possible with my work schedule and their hours of operation which is the whole reason I opened this account an online only account and after multiple phone calls and conversations with different representatives Ive gotten nowhere and I cant understand this for the life of me Ive done everything asked of me and theyre still to this day holding my money almost {$8000.00} dollars and refused to even close the account and give me a check for the money in my account which Ive requested and they wont do it or release my money in any kind of way which I feel like is ridiculous Ive tried everything I can think of and gotten nowhere so basically I just want my money back theyre holding it hostage and I dont understand why or how this is even legal to do to someone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and I am submitting this complaint without any influence from agency or third party.

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 2017-07-06
Company: Navient Solutions, LLC.
State: MI
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 attended XXXX college from the summer of XXXX through the winter of XXXX to receive an XXXX XXXX. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX onXX/XX/XXXX Dusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out onXX/XX/XXXX and this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: R & B Corporation of Virginia
State: VA
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 received a debt of payment notice from credit control corporation. This bill stemmed from my recently submitted complaint from XXXX XXXX. I just submitted a consumer report to XXXX. I work with XXXX hospital and I had a medical bill. XXXX harassed me the whole time I was paying an active account that was never never not paid on time. This company harassed me for several months and currently the medical bill was paid. That is why the first complaint has been submitted. This company needs to stop all interventions to collect a debt that does not exist. I want my credit consumer report fixed immediately or there will be another complaint against them. This company needs to take the business time to ensure of what kind of debt they're trying to collect before pursuing it. Both companies need to go back to business basics 101.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please delete the following : ( 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 2020-11-17
Company: C/C Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
company XXXX XXXX I open an account XX/XX/2012 rental agreement amount {$5400.00} I paid account in full {$5400.00} the company XXXX XXXX never reported to the credit bureaus, I demand this account be updated as paid in full.

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 2022-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
FRCA Violation credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA XXXX XXXX PORTFOLIO RECOV ASSOC XXXXXXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXK {$420.00} Balance updated XXXX XXXXXXXX XXXX PORTFOLIO RECOV ASSOC Original creditor : XXXXXXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$3100.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear XXXX -- I have had continuous issues with DHI Mortgage in applying for my new home loan. There has been misclassification of a XXXX gift from my mother that they tried demanding was a " downpayment '' gift more than XXXX weeks before my decision to purchase the home. They tried to force my mother to sign an illegal gift letter and wanted her personal account statements to review although she has no relationship to my home. They have also begun calling employers I have not had any contact with for over 3 years even though they have W2s and tax returns. They have refused to believe I am employed with my current employer and have asked repeatedly for their " employment verification service '' they use. They have an offer letter, W2s, and pay stubs for verification here. They have further harrassed me by continuously spelling my name wrong and asking for bank statements back to 7 months before the expected closing of my home. Lastly, they are adding {$1100.00} in closing fees for unknown reasons and have refused to explain the charges. These type of deceptive and harrassing mortgage practices should not be allowed to continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited XXXX XXXX XXXX on XXXX/XXXX/XXXX and paid my co-pay at the time of service ( see attachment ). It was {$50.00} for a specialist visit and that is not in dispute. This was not submitted to my insurance company by them until the following year in XXXX of XXXX. In the meantime XXXX XXXX XXXX provider ) changed entity names and billing systems at the end of the calendar year XXXX ( or so I was told by their representative ). My employer based insurance changed to XXXX in mid XXXX XXXX when my employment ended. There is no dispute with the insurance carrier XXXX XXXX XXXX 
I was billed again for the same visit in XXXX XXXX which I mistakenly paid, then realized my error when my Explanation of Benefits ( EOB ) did not add up to XXXX XXXX billing. They continued billing me the {$50.00} charge for this service date until I contacted them in XXXX ( see attachment ) and explained I had paid this twice and it was not being correctly applied. Eventually in XXXX XXXX they found the payment had been misapplied and ultimately credited me the {$50.00} owed back. I thought this issue was resolved. 
Then yesterday I receive a Credit Collectors notice ( see attachment ) for payment of this same bill for that service date. I have contacted XXXX XXXX again today and they said it was misapplied and would attempt to correct their records. I have no faith in their ability to resolve this without monitoring/enforcement by appropriate agencies such as CFPB. This has resulted in me spending many hours to resolve their billing problem and no assurance it really is resolved. I 've requested a detailed billing from them on payments/bills from the XXXX qtr of XXXX through XXXX qtr of XXXX. But I had done this before earlier this year evidently to no avail. Please follow up with them to help me resolve this issue completely. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit and credit cards were stolen in XX/XX/XXXX. I have had some success with the credit cards and hope to resolve them, however, I have made no progress with Citizens Bank HQ in RI Money was withdrawn without my permission or knowledge on XX/XX/XXXX in the amount of XXXX Citizens has an ATM daily limit of XXXX  or XXXX  ( answer varies depending on the agent I speak with ) per day, their tracking number is XXXX XXXX. They denied the complaint but they said they will review if I provided additional data which I did. On XXXX I faxed a letter to them from XXXX XXXX Hospital stating I was in patient   XX/XX/XXXX to XX/XX/XXXX. I have yet to master being in the hospital and at the ATM at the same time. Despite this evidence I supplied they still denied my claim Again XX/XX/XXXX-XX/XX/XXXX ATM withdrawals were made without my knowledge or consent in the amount of XXXX. My complaint number is XXXX XXXX which also was denied. Again I sent a letter from the hospital stating I was in patient XX/XX/XXXX-XX/XX/XXXX. This hospital letter was faxed to Citizens also on XXXX. I could not be in the hospital and at the ATM at the same time. Citizens disagrees and again denied my claim. 

Further complaint XXXX XXXX in the amount of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX dated XX/XX/XXXX and XX/XX/XXXX are at issue and were denied. 

Lastly Citizens policy is to limit daily ATM withdrawals to XXXX/XXXX  per day ( see above ) yet on XX/XX/XXXX they permitted XXXX  to be withdrawn for their ATM ( XXXX XXXX XXXX ) in violation of their on policy. Their responded " no error occurred at the ATM '' also if you want " copies of the documents we relied upon please contact ... '' which I did on XX/XX/XXXX. I spoke to agent XXXXXXXX I was told they had no document and they had combined complaint XXXX and XXXX together. 

They also have confused XXXX XXXX and the XXXX  on XX/XX/XXXX This has been a night mare, long in excess of 90 minutes on hold, several times, only to be dropped Hope you can help, I believed you are familiar with Citizens Bank based on previous class action suits by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Waterfall Revenue Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A1 Collections aka Traf group has ignored my requests for them to validate the alleged debt they are reporting to the credit bureaus. I sent a letter asking them to validate the debt on XX/XX/2019. I received no response within 30 days I sent them a follow up letter on XX/XX/2019 asking them to delete the negative item because they failed to validate the debt within 30 days. Not only have they willfully violated the FDCPA by still reporting it but they sold my information and there is a second company named XXXX XXXX XXXX trying to collect the same amount they allege I owe to them at the same time as A1 collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I pulled my credit reports and noticed that XXXX had a hard inquiry on my for both XXXX and Equifax. I wrote both credit bureaus and in XX/XX/2018 and it was still there. I then wrote XXXX and they responded on XX/XX/18 that they could not find any information on me. They wanted my address copy of my credit report and my account number ( switch I couldn't provide because I did not apply for XXXX ). Then gave them all the information on XX/XX/XXXXto the XXXX  and as of XX/XX/XXXX have not responded to me. I have called XXXX XXXX customer service number and no one could help or have information of someone to contact. The Credit Bureaus won't remove it and XXXX has no idea how it got there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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: Investigation took more than 30 days

Complaint:
This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PENTAGON FEDERAL CREDIT UNION
State: AR
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:
I have reached out to the creditor on multiple occasions asking for assistance. I am struggling due to being XXXX  with XXXX. The creditors response ... ..lowering credit limit to a few XXXX dollars above balance, charging fees and refusal to accept partial payment.

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 2017-07-06
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit card was opened in XXXX of XXXX by internet. I am an identity theft victim and have identity alerts all over my credit bureau. There were to be no " NEW '' credit cards opened without calling me first! This credit card got opened without my knowledge and mailed to my old address. I moved from my old address in XXXX of XXXX to a new address. I have aggressively tried to work with XXXX of XXXX to resolve this issue and the have refused to work with me. When I finally realized this account was opened, I contacted them and reported it as fraud in XXXX of XXXX. They processed it as a blocked card and mailed me a new card which ended in XXXX. The first card ended in XXXX. They refused to fix their mistake. Since then they have sold it to a collection company. I will not be held liable for this identity theft! This bank is not willing to work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation