BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I wrote to XXXX  ; Equifax and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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 three Fruad accounts on my credit report. I have attached a FTC report and my current lease. 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 2019-12-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have two student loans serviced by Navient. In XXXX of 2018, they applied a forbearance to both loans, when I was unemployed and unable to pay the monthly balance, which I have learned may not have been in my best interest. 

The loans are back in repayment status, and I find myself in the same situation. In XXXX, I paid an amount less than what was due. I answered their request to resolve the matter, and their solution was to enroll in a six-month interest payment program, which required an additional payment and autopay enrollment with a debit or credit card. They made a calculation of what that monthly amount should be. I don't know what they based that calculation on. 

Aside from food stamps, I currently have no income. Enrolling in credit card auto payment would result in more debt with higher interest rates. 

They had no other options and said my case would be turned over to a debt collector if I did not accept that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Good afternoon! Actually my complaint is not about fees collected, but there was no appropriate option for my complaint. 

I closed a checking account at Santander Bank XXXX XXXX XXXX in XXXX, NJ XXXX. I need to check my transaction history. I went down to the bank and asked for assistance with this and they told me that being that my account is closed it takes a long time and they can't help me with this. This information is very important to me. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 explanation
Consumer complaint received 2023-10-17
Company: Unifin Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX is trying to collect a debt from XXXX XXXXXXXX XXXX Company name- ( Unifin ) Company phone number - ( XXXX ) XXXX Email - XXXX This company was calling my home phone at first. I spoke to more than one person, informing them that I was not the correct person because they are calling me XXXX XXXX. I had that number disconnected, so now I'm getting emails! Well I'm still the wrong person because my name is not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
Sent information to be investigated through the creditors and bureaux. It has been more than 14 days and no responds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim 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 2022-08-26
Company: EQUIFAX, INC.
State: NV
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:
Equifax has assumed the role in assembling and evaluating consumer credit, it is their duty to ensure that a consumer 's right to privacy is respected. It is imperative that a consumer reporting agency adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
With the recent data breach and inaccurate scores being reported by Equifax, I am demanding the deletion of my credit file with your company immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: NC
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’ve been disputing this item for 3 years now. My latest attempt was XX/XX/2019.Spent over 10,000 on repairing my credit.

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 2021-05-02
Company: EQUIFAX, INC.
State: MD
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 reviewed a copy of my credit report and I show account number XXXX is on my credit report listed twice and is listed as non-verified accounts. I have attempted on several times to have this accounts reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this accounts due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
XXXX failed to comply with 15 USC 1681s-2 ( b ). XXXX is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

XXXX failed to conduct a reasonable procedure by their own industry standard of XXXX XXXX. XXXX failed the XXXX XXXX standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

XXXX failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. XXXX failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, XXXX has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n XXXX is liable for actual damages, {$1000.00} violation and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I want to buy a XXXX from XXXX they advertised that the only way to purchase on XXXX XXXX is to finance through citizen one bank, I input all my personal information and right away they tell you that you are declined, later I got an email that said that my identity can not ve verified and if you have a question to call XXXX which I called same date XX/XX/XXXX XXXX from customer service told me that the said the same to all applicants that way they have to call to finish the application my was XXXX I told that was unethical what they were doing and that I don't want to continue with the application and to don't report it to my clean credit ( I haven't have a hard enquiry in more than 3 years ) he agree and gave me a confirmation # XXXX today XX/XX/XXXX I check my XXXX XXXX and I see a hard enquiry on XXXX from Citizen one Bank I called them and they told that it was reported because I applied and I was declined I asked the declined reason and she said because applicant doesn't meet program guidelines, I asked what are the guidelines and she couldn't tell me. I told her that I was told that wasn't going to be reported that I have a confirmation # for the removal she didn't listen and told me to dispute with the credit bureau that they can not remove it, I told that they can and they should because it's illegal advertising and they can't tell all applicants to call them to verify that is unethical if you apply and fill requirements should approve on the spot. I want them to remove this enquiry from credit bureau because it will affect my credit for 2 years. My name XXXX XXXX, phone XXXX, address XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased concert tickets online from XXXX, (no physical possession of tickets) concert rescheduled, XXXX  offers to resell tickets. I agree, they sell tickets and assist me over phone and computer with delivery of tickets. They email me confirmation of sale and delivery and pay me several days later. 39 days later they email me indicating my "sale was cancelled for failure to deliver". They want money back plus a fine of $XXXX.I've emailed, snail mailed and called several times and provided copies of email confirmation of delivery, they turn me over to collections. I contact collection agency and offer the same info, to no avail. Please help. I have all emails and phone records.Thank You

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-12-17
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an emergency hospital visit in XXXX  of 2019 and XXXX  XXXX   XXXX (emergency room doctor) had sent me a bill that was not correct and after getting the information corrected, ( I am a private pay patient and only owed $XXXX instead of the $XXXX that showed up on the bill) they sent me a receipt, closed my account and informed the Debit Collection Agency ( AmeriFinancial Solutions, LLC) that the debit was paid in full and to remove from their system.  I called AmeriFinancial Solutions on several occasions ( XXXX  XXXX, XXXX, XXXX, 2019) to ensure this was closed on their side and taken care of.  On XX/XX/2019 I talked to XXXX, who stated it was closed and they had informed all 3 credit reporting agencies to remove this account.  I have disputed this with all 3 credit reporting agencies and as of XX/XX/2019 the agencies are still reporting it active, but the Debit Collection company says it is closed.  I do not know who is dropping the ball here, but I need this off my credit report. Please have AFS get with all Credit Reporting agencies and get this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: ALLIANT CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was issued a cashback visa signature card from Alliant Credit Union. The card earns 3 % cash back on purchases during the first year. I used the card for some time and accumulated several thousand dollars in cashback rewards. My account was paid off in full every month. Recently, Alliant closed my account and seized my unredeemed cash back rewards that had accumulated. Alliant customer service claims they sent me a letter explaining that the account would be closed, but I did not receive it, and the customer service representative that I spoke to could not produce a copy of this letter for me. I did not have any opportunity to redeem my accumulated cash back rewards before the account was closed, and customer service tells me that these accumulated rewards are now forfeit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On Thursday, XX/XX/2023, I used the XXXX money transfer services to send {$110.00} from my back account with XXXX XXXX XXXX. I received a verification from my bank an hour later that the money was taken from my checking account and sent. A couple days later, I checked with the vendor that should have received the money but they said it never arrived. I trust the vendor because I have purchased from them before using a credit card. This is the first time I used XXXX services. I first contacted my bank ( XXXX -- XXXX ) and spoke to XXXX who was very helpful. She verified that the transfer was sent through XXXX, a service XXXX XXXX XXXX offers. She gave me the XXXX transaction ID of XXXX. I took that number and contacted XXXX customer service ( XXXX ) and they say they couldn't help me, to call my bank which I already did. I asked the XXXX employee on the phone why she could not trace the transaction and she refused. In fact, she hung up on me. 

The reason for this complaint is that this XXXX service has taken my money and not delivered it to its intended destination. Furthermore, they would not look into where the money went. I believe my money was accepted under fraudulent pretense. Please let me know if you need any other details. Thank you for the service you prove. I appreciate what your organization does.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: NC
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’ve been disputing this item for 3 years now. My latest attempt was XX/XX/2019.Spent over 10,000 on repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Commercial Acceptance Company
State: PA
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/2018 I was very ill and needed an ambulance. I have a XXXX XXXX card which I get every year. XXXX XXXX picked me up at my home and then called for a Paramedic unit to meet them along the highway. At the time I did not know what Paramedic unit showed up but 2 paramedics got in the ambulance. I went to XXXX XXXX   XXXX in the XXXX XXXX. A few months ago I got a call from XXXX XXXX XXXX telling me I owed them money. I asked what for and they told me my insurances would not pay the bill for them showing up to go along to the Hospital. I asked how much the bill was but they said they would send me a bill but they never have. They told me my insurances would not pay them because they do not have a working contract with XXXX XXXX. I said well then you should have not showed up, I didn't call for any Paramedic unit XXXX XXXX did so let them pay the bill. You knew you had no working contract with XXXX so you want me to eat your mistake? I said I am not paying the bill. I told them I have had to go in the XXXX XXXX  but my insurances always paid for the Paramedic unit that came also, but they all work with XXXX XXXX. I think, just my own opinion, this Paramedic thing is a scheme. To this day I have not received a bill from XXXX XXXX XXXX. Then about 2 months ago I got a call from XXXX XXXX XXXX telling me they are a debt collection co. trying to collect a debt from me. I asked who the debt was for and how much was it. They told me it is for XXXX XXXX but would not say how much it was for. I told them I was not paying the bill and proceeded to tell them why and they hung up on me. About a month ago I got another call from XXXX XXXX XXXX asking me if they have the right address for me because they will be suing me and taking me to court and garnishing my wages and so on and so on. I tried again to explain why I am not paying the bill and she got very nasty and just kept repeating my address over and over. Finally I said yes that is my address. Just in the last few days this showed up on all my credit reports and that is how I found out the amount they want me to pay. It is {$420.00}. My credit took a big hit. I refuse to pay this bill for something that was not my fault.

Company response to consumer: Closed with explanation