BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Nationwide Recovery Systems, Ltd
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They reported a debt on my credit report to XXXX  and possibly other credit bureaus. They never contacted me by mail or phone relating the debt. It was never validated, yet they reported it on my credit illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
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:
Contacted the companies listed on my credit report as hard inquires and was told that they work with several mortgage companies whereby mortgage brokers have the ability to access credit reports and do not have any documentation that I authorized the hard inquiries or to demonstrate that the inquiries was not done in error. The companies are as follows : XXXX XXXX via XXXX XXXX XXXX XXXX  Mortgage via XXXX XXXX XXXX XXXX XXXX via 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 2023-06-30
Company: EQUIFAX, INC.
State: CA
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 convergent account # 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, Has violated my rights XXXX 
XXXX15 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 -XXXX XX/XX/2022 XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2022-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
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:
Citizens credit card corporate office in XXXX RI I ordered a stationary bike for {$120.00} from XXXX on XX/XX/XXXX ; i decided to cancel the order on the above mentioned on XX/XX/XXXX I was charged on my citizen credit card {$120.00} on XX/XX/XXXX, was credited for cancelled purchase. 
Then on XX/XX/XXXX was billed again for same item stationary bike {$120.00}, issued a credit once i called on XX/XX/XXXX. 
Then again on XX/XX/XXXX billed again on my credit card {$120.00} I filed disputes with Citizen credit card regarding this constantly being billed for this above mentioned item, that i cancelled and NEVER received! 
Dispute dates : XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XX/XX/XXXX XXXX # XXXX claim number XXXX # XXXX NO ONE ever gets back to me by mail, email or phone regarding this issue, and now they have charged me interest on this erroneous charge! 

I have a very good credit score, and pay all my bills in full every month. 

Please help correct this incorrect charge of {$120.00} plus the {$10.00} interest on this incorrect charge. ASAP Thank you XXXX XXXX XXXX ... XXXX XXXX XXXX ... .XXXX, delaware XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MD
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:
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 XXXX Account number:XXXX Account name : XXXX/XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX/XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2018-02-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have made an agreement to pay my loans after a 45 minute phone on XX/XX/2018 ( my birthday no less ) via automatic debit. The first of these debits was to have taken place per the authorization I agreed over the phone and per the document dated XX/XX/2018 mailed to my residence. It is now XX/XX/2018 and not automatic debit has not been taken and I am receiving emails the payment plan I did not qualify for. The company can not be reached by phone and by logging on to the website nothing is reflecting the agreed to payment plan. By all indications this reprehensible company is backing out of agreement that had to go to a manager whom gave no indication could not go through. This company needs a serious review of whether they should be operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Amsher Collection Services, Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I learned that I had a change to my credit score through a third party monitoring service. It showed Amsher as the collector of services through XXXX in the amount of XXXX. I was with XXXX for 18 years, had only one account and switched carriers exactly one year ago. 

I contacted XXXX, they explained the charges and credited my account on XXXX for a portion of the monies that were incorrectly charged. My existing balance is now XXXX. 
Here is where I am having the issue. 

I contacted Amsher this afternoon and was told they did not see a credit to my account and my account had not been reported to the credit bureau. They said there should be nothing on my credit report through them. They then said, " Oh, wait. There is a second account here. '' They said it was also through XXXX. I was put on hold and told that I needed to contact XXXX XXXX, XXXX at XXXX regarding my " other account ''. 

When I contacted XXXX XXXX XXXX  office, I was told that they did have my account and that I owed XXXX. ( XXXX XXXX change to amount I owed was on this account ). I was told that even if I paid that amount, I could not remove the negative mark from my credit report. 

I called Amsher back and spoke with XXXX. I asked her why I have two accounts from XXXX in collections and want to know how to get Amsher off of my records if they never sent report to the credit bureau. She put me on hold for several minutes and did not give me an answer. I was just told I had to contact XXXX XXXX XXXX office and ended the call. 

I called Amsher back and spoke with XXXX. I wanted to know the date that XXXX turned my account over to Amsher and what date my account was sent to XXXX XXXX XXXX office, as I believe the dates coincide. She became very aggressive and refused to give me any information. She stated that she did not have to give me that information and that she was going to end the call now and hung up. 

Am I not allowed to have information on my own account? I can not get a date of when my account was transferred? Or, acquired? I thought there was a " Fair Credit Reporting Act '' which made this information available. Not according to Amsher!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I moved out of my apartment in XX/XX/2018 and they told me if I pay them rent for the month they will be good. I left. Never got a notice or anything they promise me my deposit and they took all XXXX XXXX the XXXX $ for rent and then they hit my credit without NO KNOWLEDGE OF ANYTHING. I called numerous times been hung up on left on hold and told horrible things. This is not fair and is harassment. I do not owe these peoples money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has refused to investigate my disputes per Fair Credit Reporting Act of the allged debts of XXXX Account No. XXXX ...., XXXX Account No. XXXX ...., XXXX XXXX Account No. XXXX, XXXXXXXX XXXX Account No. XXXXXXXX ...., XXXX Account No. XXXX ...., XXXX XXXX  Account No. XXXX ...., XXXX XXXX  dc Account No. XXXX. I have attached Experian 's denial to investigation. Experian has given no written reason how and why the disputes have been previously disputed. The disputes have not been previously raised. Under Michigan law the companies must validate the alleged debts with a written contract, not just statements. This has not been done. Also, some of the alleged debts have been dismissed in court. Experian must remove the alleged debts for refusing to also investgate.

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 2017-12-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called to sign up for the rate reduction plan again. I was made to believe that it was complete and would be reflected in my next statement ( {$420.00} ). I was then charged without being notified, twice for my loans ( {$820.00} ). When I called to get the problem resolved, they said it would take 10-20 days for a refund and needed a bank statement to show that they bounced my checking account. I called 3 separate times with all completely different answers about how to result the issue. My loans are still not refunded. Then when checking my account today XX/XX/17, I saw that only three of my loans were qualified under the new rate reduction plan ( {$420.00} ), which have always covered all four of mine, and a new charge had been added for the forth ( {$180.00} ). All the interest rate tripled since this month ( 8 %, 10 % ), and I have no been able to get anyone on the phone to remedy this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital One failed to removed hard inquiry from all three credit reports. Continue to follow up with Capital one and XXXX. Credit Inquiries remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As a consumer my right to privacy has been violated. The last collection notice was dated XX/XX/XXXX and obtained by me from a false address on XX/XX/XXXX in the amount of {$2600.00}. 
The company National Credit Adjusters has listed this on my credit report causing injury, damages, mental anguish, and losses due to identity theft. On XX/XX/XXXX I have issued an Affidavit of Truth with exhibits, Debt Validation Letter and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have several XXXX XXXX Accounts. Today I Deposited {XXXX} via XXXX XXXX XXXX into my Account. I then needed to Change my Password and Address Update because it still had not been done despite my doing so several times. A CSR ( Customer Service Representative ) Politely Change all my Information and tried to send a Password Reset to my email and I did not receive. Upon Checking, she found out Fraud Department had Locked my Account. We contacted Fraud Department and they requested I fax copy of my SSN Card and Several Pieces of Mail showing my New Residence which I immediately did. I was told it should take 2 hours. After more than 4 hours elapsed I contacted Netspend again only to find out that the Fraud Department will be Closed Until Monday. They Took My Money, Pretended to Help Me, Lied about Unlocking my Card, and Now I can not access my Card, nor my Money, and can not reach anyone to assist me. They knew they were not going to help me yet had me completely verify all my information to 3 different CSR 's and 2 Supervisors and 1 Fraud Agent and I still can not access my Card nor get my Money. I need help PLEASE. Thank You. Sincerely, 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 explanation
Consumer complaint received 2018-07-24
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank stopped sending information necessary to continue my multi-year history of timely and complete, full payments of my HELOC as of XX/XX/2018. I have made numerous attempts including but not limited to online correspondence, telephone calls, and written letters. PNC Bank has replied with a succession of non-action. I have gone above and beyond my due diligence and reserve all rights while withdrawing none. The aggresive and predatory techniques by PNC Bank, mainly the purposeful and premeditated deceit of their obligations as established by the PNC Bank Code of Conduct, and, most importantly, Federal Law, should concern all. I have continued to make timely monthly payments using my payment stub from XX/XX/2018. PNC Bank continues to draw monies from my personal checking funds while denying me requested information as to where these funds are applied. In addition, PNC Bank will not provide me with a copy of original terms and conditions of my HELOC. This written document shall serve as instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows 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 I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting 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:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XX/XX/2022 CAP ONE NA XX/XX/2022 CAPITAL ONE XX/XX/2022 I disputed them and they remain on my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2018-08-12
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: Account information incorrect

Complaint:
Experian Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : 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 explanation
Consumer complaint received 2017-12-17
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with Chase Auto Finance about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my Chexsystems report and found the inquiry below which was not authorized by me : XXXX XXXX on behalf of XXXX XXXX XXXX Date : XX/XX/2018

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