BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: Arete Financial Group
State: TX
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 have received this email regarding my student loan. I have been paying Arete Financial Group $ XXXX   monthly. 
This is the email : Lawsuit Federal Trade Commission v. American Financial Support Services Inc., et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Federal Trade Commission for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. XXXX XXXX XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer The Companies which have been sued : XXXX XXXX XXXX XXXX XXXX ; Arete Financial Group, also doing business as Arete Financial Freedom ; Arete Financial Group LLC ; XXXX XXXX XXXX, also doing business as XXXX ; XXXX  XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX , also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX , XXXX , formerly known as XXXX XXXX XXXX XXXX XXXX and also doing business as XXXX XXXX XXXX and XXXX ; XXXX XXXX  XXXX XXXX , XXXX .

Company response to consumer: Untimely response
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please. Thank you

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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XX/XX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " 15 U.S.C. 1681g '' and it should have been deleted per Section 611 ( a ) ( 5 ) ( A ) ( i ). I also sent a letter with Section 609 ( a ) ( 1 ) ( A ) to show me the physical documents and they have not.

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 2023-12-26
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My Complaint is with Citibank XXXX XXXX XXXX my 2 accounts with Citibank were closed due to lack of documentation ID for my XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX I sent the required ID and was told the accounts would be opened. The funds in the account were frozen and according to the bank sent to my mailing address. I never received these checks. I asked the bank to put a stop payment on the checks and refund the funds. Today XX/XX/XXXX the bank has opened one account but has not refunded the money which my mother needs and the other account remains closed. I am speaking at the moment with Remediaton of Citibank and the tell me the accounts have all the information needed but dont know why the account has not been reoppened and the funds deposited. I feel helpless so I am asking you for help Thanks 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 monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: VA
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 XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # 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 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 2022-03-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a forward letter stating an account that was opened at Wells Fargo will be closed XX/XX/22 because it didnt match up to an internal/ public records result.

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: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I filed a Dispute with Equifax to which they conducted " an investigation '' which did not consist of anything other than them contacting the creditor and getting information written on a screen whether that information was false or not Equifax did not care. Additional Equifax refused to accept any of the documents that I sent in as proof to include the letter from the creditor ( with the header and contact info ) that stated the information on my account was inaccurate as reported. On XX/XX/2019 I filed an additional dispute containing the same information as the original information to which was found in my favor to what Equifax has informed me of. This information was sent by Equifax to someone else 's email address other than mine. I called Equifax to get them to send the information to the correct email address. On XX/XX/2019 another dispute ( XXXX ) was created to send the information to my email address. This information was sent once again to the wrong email address. On XX/XX/2019 I called Equifax once again and the rep agreed to send a copy of the dispute to the correct email address, however, hung up on me. I have called back to ensure this was taken care of multiple times on XX/XX/2019 and spent over 3 hours on the phone without prevailing and was transferred over 10 times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
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: Public record information inaccurate

Complaint:
transunion and XXXX credit bureau is reporting these bankruptcy on there own account, XXXX is reporting the correct information, i'm attaching XXXX information to this report, i hope that CFPD step in and do something about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
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: Credit inquiries on your report that you don't recognize

Complaint:
This is my NUMEROUS complaints 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 inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on 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 2020-12-03
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NY
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:
Consumer reporting agency XXXX, Equifax, and XXXX is reporting false information and or information without my consent. They have failed to do investigations into these negative accounts that has caused me hardship in obtaining a car and house for my family and has caused massive pain and suffering. I have reached out to them to remove the negative items being reported, however they just say they verified the information. Furthermore, I have disputed these negative items on my report and they still have yet to properly investigate or verify information they are reporting. Violation of Tilte 15 usc 1681, and 6805. Also violation of my privacy per the privacy act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This complaint is about the lack of proper regulation of Credit Card Reporting Services, such as Experian, XXXX, and XXXX, and Your agency.

- Are YOU aware that each of these reporting agencies use different standards by which they determine a Credit Score of a Person, or Business?

- Are YOU aware that there seems to be no one standard to use in determining Credit Scores in this Industry.

I was told this by someone in the credit card reporting industry. If this is correct. It is completely illogical to have different standards for each company when they are determining a Credit score of someone, or a business. This is like saying it is OK to have a different safety standard for each car maker to ; Creating no One Safety Standard is totally illogical and totally Unsafe. That is why there is one Car Safety Standard for all Cars regardless of the car maker, that all Car Makers must comply with, that is enforced by the Federal Govt.

As far as the Credit Reporting Agencies, there MUST be ONE Standard by which CREDIT SCORES are Determined. How else can YOU determine which Score is accurate, fair, and legitimate, and in the best interest of all of us. Who is more important, the individuals of OUR Country, or the Owners of these Credit Reporting Services. If this is allowed to go uncorrected, then it will continue to stifle our economy, the well-being of the People of this Great Country. It may seem to be a " small thing '' to worry about, BUT it is not for those for receive invalid Credit Scores. For example, against XXXX, there are and have been XXXX complaints lodged against XXXX. From a Business point of View, Does that make Sense? Against XXXX, and XXXX, there are similar nos. of Complaints. Where is the Government Oversight needed? Wake Up, America! Wake Up, Congresspersons and Senators, and do YOUR Duty.

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 2021-11-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
buy a reservation through XXXX through paypal. The reservation consisted of one night in a hotel with all-inclusive service. non-refundable in case of cancellation. When I arrived at the hotel, the electricity service was going to be suspended, due to problems according to the hotel 's management due to external problems. I ask that my money be refunded because I do not buy a service to be without access or elevator, tv, air conditioning etc. both the hotel management and XXXX refused to refund me. I had to go to another facility paying more. Then I make the claim with paypal credit showing the proofs to return my money to me because although it was not refundable, the installation was not providing the service that I had bought and covered by consumer protection. result none of the 3 gave me my money back. Is there consumer protection or not?

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 2019-09-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My credit report currently shows XXXX charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/19 and subsequently discharged on XX/XX/2019. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI
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 sent a letter to XXXX  to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I opened a account with BBVA. On XX/XX/XXXX I went into the bank to fund the account but it was denied. Reason I had a charge off in XX/XX/XXXX- XX/XX/XXXX for XXXX. With a third party Bank call Simple. I never opened a account with them. Whoever open a account used a old address where I use to stay in XX/XX/XXXX/XX/XX/XXXX. I contacted Simple several times they would say someone would contact me, but never did. Simple couldn't tell me if it was being investigated are what was going on. 
On XX/XX/XXXX I received a letter from XXXX XXXX that my checking account was denied on XX/XX/XXXX. Never did try to open a account. I contacted XXXX XXXX they told me to contact Identity theft.gov. On XX/XX/XXXX I put a freeze and faurd alert on my credit. I also provided information to identity theft.gov. I contacted all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting WELLS FARGO FINANCIA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have requested many issues on my report be resolved and many issues still remain

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 2023-06-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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