BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$2900.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$200.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$210.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX, XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXX Opened XX/XX/XXXX Balance ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, & XXXXXXXX XXXX XXXX. The fraudulent Inquiry are as listed : 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 2021-05-27
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I deposited money orders into my checking account and they placed a block on my account until I can provide receipt of the money orders. I had XXXX in the account before even depositing the money order and I am not able to get the receipt of the money order since I had thrown them away 4 days after I deposited the money order since I assumed it would be fine. I have no way to get the receipt and have even went to XXXX where I got the money order to get a receipt which they are not able to do so as well as XXXX XXXX. My funds are stuck on hold forever and they are not even willing to close my account to let me have access to my funds due to the money order that I deposited. There is also no citibank branch in my state or nearby state so I am not even able to go to the branch to get my money.

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 2021-10-07
Company: EQUIFAX, INC.
State: GA
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 disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have contacted aidvantage with a conditional acceptance on XX/XX/2022. With the tracking number XXXX I received notification that they are my new student loan servicer now instead of Navient. I have requested that they provide the original instrument of indebtedness in its original form between them and I. And I have yet to receive a response. It is close to going over the terms of the postal rule. I need the proof original instrument between us to continue its agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

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 2020-05-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Due to the Covid19 health crisis. Myself and my wife lost our employment on XX/XX/XXXX. We have a home equity loan with Citizens Bank. and they have no plan in place to work with customers. I was offered a 90 day deferment. This Home Equity loan was written in XX/XX/XXXX and was a non verifiable loan and is a loan that was typical of bad loans written back in the XXXX to XXXX banking crisis that collapsed the banking industry. I have contacted Citizens bank multiple times and requested a lower interest rate to make this loan more affordable and more reasonable. I spoke with XXXX from the office of the chairman in XXXX of XXXX and i was promised a list of things and nothing has been adhered to. I was also promised a loss mitigation package and Citizens Bank failed to mail me out loss mitigation information.Nothing Citizens bank promised they would do has been adhered to. Nothing!!! We are still unemployed, in a financial crisis and can not return to work because NYS has not implemented a reopening process in my geographical area.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a letter from Navient about my renewing my repayment options in XX/XX/XXXX and decided to log in into my studentloans.gov account to view my documents. 
and there are multiple errors on my consolidated loan application. 

I dealt with previous scammed third party loan servicers : XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XXXX based in CA XX/XX/XXXX- XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX -XX/XX/XXXX. 
I paid {$390.00} each since I was n't full steadily and full-time. 
The third party loan servicing companies " promised '' to lower my student amounts ; however, I have n't received a call or correspondence to send them monthly payments thereafter once I paid the initial fees so I am left in the dark about my payment status. 

XXXX XXXX XXXX reported their XXXX XXXX office as my permanent address and listed my second contact person incorrect address in XXXX, PA. 
INCORRECT!!! 
I even saw the XXXX XXXX CA address listed on my 3 credit report agencies I disputed. 
I listed the second contact person since I rented a room at a house located in XXXX, NY. 

I am perplexed still about the erroneous information on my loan application at studentloans.gov and have been reading about the negativity of Navient especially the lawsuits this year. 

I even received harassing calls about my account is flagged for loan forgiveness programs I am starting to believe there are scams. 

What is the status of Navient? 
How can I begin a new year with a full-time at a union organization wasting money at a loan servicing company facing lawsuits? 

I ACKNOWLEDGE THE FACT I OWE STUDENT LOANS BUT HOW AND WHEN CAN I EVER REBUILD TRUST WITH THE US DEPT OF EDUCATION?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 bought my wife a pearl necklace for {$320.00}. The first time wearing it, the necklace fell apart. The warranty per the jewelry saleswoman was 180 days. It was reported with 90 days regardless. XXXX XXXX credit card has refused to investigate my dispute on more than one occasion despite saying they will investigate and to deduct the amount. But they neither investigate, nor deduct the amount. I really don't know what's going on here. I spend thousands a year at XXXX XXXX, am a Platinum member and cardholder since XX/XX/XXXX. Please investigate.

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 2019-03-04
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed a complaint previously about the same scam from the same companies and I thought you had gotten it taken care of. 
I received a new letter in the mail today XX/XX/2019 wanting payment for something I know nothing about. 

Please get to the bottom of these fraudulent collectors and the fraudulent Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Ameritech Financial
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX-XX/XX/XXXX ) to AmeriTech Finanicial ( paid to XXXX in bank statements ).

Company response to consumer: Untimely response
Consumer complaint received 2023-01-09
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One will not resolve a dispute that I have on my credit card. they will not call me nor will with let me speak to the appropriate representative to voice my concerns. I have attempted NUMEROUS times to get this resolved and they will not do anything. They allowed a company to commit fraud and they are committing fraud by not trying to resolve it in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Both Equifax and XXXX  have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account # XXXX for NO reason. I had a lot of activity because I finally received my Pandemic Unemployment and had a lot of transactions in one day. First, they declined every other transaction even though I had thousands of dollars in there. Then, the froze my account because I was using the account as I wished. When I called for the 3rd time, I was told that they just made a business decision to close it without notice. No notice, just locked it and I had bills coming out and direct deposits coming in. Now have to wait until they decide to send me the thousands of dollars in my checking and savings.

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 2020-05-29
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: Old information reappears or never goes away

Complaint:
In my bk chapter XXXX all old accounts were included in my bankruptcy and my credit report is still showing 2 accounts in the negative which are hurting my score one which was paid in full XXXX XXXX courts and the other included in the bk XXXX in which Is a collection agency XXXX XXXX XXXX it is hurting my score significantly and does not allow it to go up although I have an exceptional payment history I have disputed these accounts but they still hold my score and I am trying to purchase a house

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 2019-08-09
Company: DISCOVER BANK
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:
I suffered a major XXXX event and was in various hospitals for 6 months ( and can easily document same ). Because Discover Financial had switched me to " Paperless Billing '' and had an incorrect email address, those people monitoring my finances during my hospitalization were unaware of payments due to Discover. When Discover finally  reached out via actual mail & phone my payments were 3 months in arrears. My wife immediately contacted them, paid the account up-to-date, and Discover waved all late fees. However, I have since " discovered '' that they are destroying my credit report, reporting 3 late payments with one being 120+ in arrears. When I explained this, they refused to repair the information, claiming it is illegal under the Fair Credit Reporting Act to fix negative information that is the result of their error ( XXXX tells me they bounced Discover 's emails back to them, but Discover ignored the messages, and Discover waited 3 months to use the telephone number they had on file ). I am also told that there is discretionary rules that WOULD allow Discover to repair the damage they have done, but they refuse to do so. This false information is ruining what was an excellent credit score and costing me greatly, I desperately NEED this repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 non-monetary relief
Consumer complaint received 2018-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/XXXX and XX/XX/XXXX I have attempted to communicate with Fifth Third Bank in regards to an inquiry made towards my XXXX credit report that was not authorized by me. I have advised Fifth Third several of times to send documentation that I authorized with my signature. This is a violation per FCRA regulations and if Fifth Third refuses to cooperate in this matter, I will have no other option but to file civil suit against this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
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:
The XXXX account Transunion account # XXXX, XXXX account # XXXX, and XXXX account # XXXX has violated my rights. Under 15 USC 6802 ( b ) ( 1 ) ( b ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; '' I was never given an opportunity to opt out of my nonpublic information that this financial institution had of mine to be shared to any third party entities before my debt was given to a third party organization.

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 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is the fourth time I have requested ALL of my accounts be closed with Capital One Bank and second complaint to your office about it!!! Today I received this!!! Please make them close the account or I will SUE them for not doing so!!!

Company response to consumer: Closed with explanation