BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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:
First and foremost I would like for you to know that I am not a credit repair company. My name is XXXX XXXX and with this complaint I will upload a copy of my License, social security card and a bank statement. I am filing this complaint because I am a victim of Identity theft. XXXX, XXXX, and Equifax all furnished my consumer report without my consent. I sent several disputes to these companies requesting a written agreement/ contract, or any written instruction with my signature allowing them to furnish my consumer report. Each time they failed to disclose these documents which is a violation of the FCRA 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports.Their failure to disclose these documents forced me to file a FTC complaint, and my next step will be to file a lawsuit against each of the companies if the accounts below are not deleted from my consumer report immediately. 

( 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 2023-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$170.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$140.00} ; XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX, our local newspaper, asserts we owe them a debt because we chose not to renew a subscription. Their price kept going up, their product quality kept going down, and we let the subscription lapse. For the next 90 days, they continued delivering the paper to our door. During and after that, they repeatedly sent invitations to renew. The most recent said You recently canceled your subscription Were inviting you to re-subscribe with this special [ price ]. In the same invitations, they demanded payment for the 90 days and threatened debt collection. Now their debt collector A.R.M Solutions demands payment and threatens our credit rating. This is nonsense. 

Any company that sends unsolicited sample products to encourage potential customers to buy has no contractual claim to payment for those samples. This is XXXX XXXX XXXX The XXXX cant both recognize we canceled the subscription and demand payment for issues we didnt request. This is outrageous and illegal. We will reply to ARM immediately after complaining to relevant regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Shellpoint Partners, LLC
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:
they lied, and make up false claims about being late. they hurt my credit trying to refinance. shell point screwed my credit up big time. never been late, says my bank, they lied to all the credit companys. they XXXX you up to trap you. I paid my own taxes, paid home owner insurance. also paid my flood insurance. no credit given. they keep adding fees, and ignore consumers. this company needs to be shut down. The XXXX XXXX XXXX also says there not doing buss. right. p, lease help, there are hundred s of people and families suffer from shellpoint. there a very bad company, the government needs to investigate them. i really want to sue them, for lies, and ruining my credit ... .I have all the papers to prove all this ... ..harrassing my family, calling me on sat.s and sun.s

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: CITIBANK, N.A.
State: FL
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:
XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX To whom this may concern. 
I am writing because this credit card company forced me to. They have been doing illegal practices. In XXXX I was told that my account was past due {$9.00} which I corrected it right away after speaking with one of their representatives, which I was told at that point when I paid the {$9.00}, they would adjust the late fee which was not a day old. and return my account back to normal status which never happen. I was asking to go autopay, but I refuse to do so after XXXX XXXX payment went in with no problem. Now we are on XXXX XXXX payment and I find myself over the limit again. I was forced to pay {$11.00} and go on auto pay to keep this from happen to me again. 
This company lies on a continuous basis to get what they want. They lied to me telling me that they would return my account back to normal status and give me back my credit line of {$3100.00} dollars, which never happened, nor did they inform the credit bureau of what happened. They ruin my reputation causing my credit score to drop to an all-time low. I am going to seek legal advice because they're ask me to go paperless which give them the power to handle my credit card. What I mean is they can do whatever they want since you can't see the bill. I paid them in accordance to what my statement is usually billed, they increased it in order to charge me a late fee. Just think about how many people they are doing this to. {$29.00} time one hundred customer would be {$2900.00}. Now do it time 1000 customer. Just keep going. Ask yourself why pay anything on a bill if you know they are going to charge you a late fee, which they do not put to the same month but to the back of the bill which you will never see. 
What I would like is for them to send a letter to the collection agencies, just like they did when they changed the amount of my monthly bill driving me over the limit. I want them to return my credit back to where it was before all of this happen, and for them send me an apology letter. I pay my bill every month. If I didn't want to pay this bill, I would not make any form of payment, nor would I have paid less than what is do. 

Thank you for all your help in advance.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent a letter to TransUnion about unauthorized hard inquiries on my credit report on XX/XX/XXXX. The hard inquiries were not verified within 30 days and it was not deleted. 

XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-03-18
Company: EQUIFAX, 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 fraudulent accounts and Inquiries on my credit report. 

inquiries 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 2023-06-19
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used an ATM at a XX/XX/11 and the card was declined. However, after checking my account the transaction had cleared. I called the bank, and the agent said she could see the transaction was declined and it should be reimbursed to me by the end of the next business day. That didnt happen. I called again, and filed a claim. The claim was immediately shown as resolved but only the service fee of {$3.00} was returned to me and the {$300.00} that I had tried to withdraw from the ATM was still not given to me. I called again and the next agent said there was nothing she could do. This transaction was on the first of this month, and Ive gotten the runaround and given different information every time I call my bank about it.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-02-07
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have switched jobs due to a XXXX XXXX and am making significantly less money. My wages are currently being garnished lowering my income even further. I have tried to delay paying my loans because I honestly do not have the money to pay them, not because I do not want to pay. 

I spoke to two very aggressive employees who told me that I HAD to make a payment so I asked what should I not pay to pay them. They said that is not what they meant but I needed to make a payment. XXXX and XXXX both said to me that I should be looking for another job to help make my payments. XXXX said I should drive for XXXX or XXXX. I said I could barely afford my car insurance and driving for a for hire company would increase my personal car insurance. XXXX told me that was not true and I told her that I work in XXXX XXXX XXXX XXXX and I know that to be true, so she then launched into that I should go get a fast food job on the weekends. I told I have tried and that they won't hire me because I am over qualified. 
On top of all of this, Navient is currently calling me every 30 to 45 minutes. That is in direct violation of the FDCA subsection 806. I told them to stop and they said they could call me as much as they wanted as they are trying to collect a debt. This is harassment via constant phone calls and belittling me because I am unable to make payments at this time. 

Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Riverwalk Financial Corporation
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had a agent call me from  Deville Asset Management t o tell me that a complaint had been filed in their legal office and that I needed to take action or they would have to escalate matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: PNC Bank N.A.
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: Problem with personal statement of dispute

Complaint:
XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Telephone No. XXXX Consumer Finance Protection Board RE : PNC Bank, COMPLAINT ID XXXX Dear, CFPB Manager, This complaint has been filed before, but the cfpb did not require the merchant to provide disclosures given at time of application, nor required an explanation as to whether a layman, like myself was fully and substantially explained the hard vs soft injury and how it would affect his credit rating. 

I just telephoned PNC Bank on yesterday, dispute transaction I have not received yet. I informed her that she was supposed to send me and cfpb copy of aforementioned disclosures given to me. I have not gotten it yet. It should be noted that credit reporting Agencies has made hundreds of errors, this article highlights during XXXX, but I sincerely believe the problem has always existed. See link and XXXX XXXX XXXX XXXX 

Also, the merchant has not provided at the time of application any details on how a layman/consumer, like myself, were verbally given a sufficient explanation on the destination between a hard vs soft pulling of my credit report and how it would affect my crediting ;, or in the alternative any affividits of all decision makers on this decision not remove the trade line from my CR. Cfpb just accepted and closed my complaint. It seems that cfpb accepted the merchant explanation is final and no independent party makes the decision in the process. This violates my Constituational right to due process.

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: IN
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:
Credit card through XXXXXXXX XXXX XXXX reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report

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 2023-05-22
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: Account status incorrect

Complaint:
My account shows 8 late payments. My accounts has never been late and this is affecting my credit report with 8 late payments. My accounts was put into deffered and never late. Can you please have all these late payments corrected and put in paid status. 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 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an item being reported fraudulently to my credit files with XXXX, XXXX and Transunion from XXXX. I have never opened an account with this company, ever much less made a deposit with them at any point in my life. This is an identity theft issue and I have disputed this several times with XXXX, XXXX, XXXX and Transunion, yet they continue to report this fraudulent item to my credit file. I have made each of them aware this is an identity theft issue, yet they continue to not only fail to remove the item, but they are violating Section 609 FCRA by not providing information required under Section 609 FCRA. ( See attached notice of Federal Trade Commission XXXX XXXX XXXX ). XXXX engaged in this very same misconduct and was eventually sued by The Federal Trade Commission for not complying, with Section 609 FCRA. Additionally, please find my specific request sent to each of the aforementioned parties.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
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: Personal information incorrect

Complaint:
I HAVE ONLY BEEN ASSOCIATED WITH XXXX ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
not getting any response after numerous request and disputes I am writing to request the method of verification for dispute initiated and the subsequent response received by XXXX : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX  Please remove it from my credit report. 

Please send the following information used to verify the validity of items above. 

The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence ; Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) I demand removal.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

Sincerely,

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