BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: CITIBANK, N.A.
State: PA
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 XXXX, i was reviewing a copy of my credit report and i seen some account that were opened in XX/XX/2021 and XX/XX/2021. I did not open these accounts and i would like to get them removed ASAP.

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 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAPITAL ONE AUTO FINAN still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus declined to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: AMERICAN EXPRESS COMPANY
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account, AMEX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate properly and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2021 I initiated a dispute with Experian. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX  it was instantly removed but after repeated attempts with Experian and XXXX  no change has been made. This was a joint account with my spouse and was removed last year from her XXXX  and XXXX  but not Experian.

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 2020-12-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2018-12-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please know that I was not late on XXXX XXXX XXXX I wonder why Equifax report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I purchased a trip with XXXX XXXX on XX/XX/XXXX for {$3500.00}. Due to weather conditions, the trip was cancelled. I submitted a dispute to the credit card company onXX/XX/XXXX At that point the credit card company issued me a conditional credit for the dispute. On XX/XX/XXXX, I received an email from XXXX XXXX, the vendor, saying that they were going to refund my money. On that same day, I cancelled the dispute request. On XX/XX/XXXX the credit card company said the dispute was resolved in my favor. For a short time, I had a double credit on my credit card due to the conditional credit as well as the refund from the vendor. However, the conditional credit was removed, under transaction number XXXX. The remaining credit for {$3500.00} was from the vendor, transaction number XXXX. I have called the credit card company at least 5 times to try to get a refund check instead of having a credit on my credit card. Each time I have called, I have spoken to a different agent. After the initial call, I was sent a letter saying that they couldn't issue the refund as it was the result of a conditional credit. I called them on XX/XX/XXXX and spoke Id # XXXX who agreed with my that the credit was not due to the conditional credit and said that I would have a refund direct deposited into my checking account. I called back on XXXX and spoke to XXXX ( an account manager ) who guaranteed that the. money would be in my account byXX/XX/XXXX. In the meantime, I was awarded a refund of {$15.00} which happens to be the same 4 digits as the proper amount to be refunded. on XX/XX/XXXX when the proper refund amount did not appear in my account, I spoke to another agent, XXXX who told me that she would make sure that the refund was processed. She also said that the XXXX was an agent mistake. She told me that I could expect a refund in 5-7 business days. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX saying that they couldn't process the refund as it appears the credit balance was the result of a conditional credit dispute. I called the company on XX/XX/XXXXand spoke the first of 2 agents ( ID XXXX ) who also promised me to have it processed. Then I received a call back from a supervisor, ( ID # XXXX ) who has now told me that they have to investigate first. This is the first I have heard of an investigation and all previous agents have told me that they would process the refund. As seen in attached documentation, for a short time, there was the double credit of over {$7000.00}. However as stated above the conditional credit was removed and I am only left with a credit of {$3500.00} from the vendor. I would like my refund!

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 2018-12-20
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: Investigation took more than 30 days

Complaint:
I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been struggling to make payments on my Navient private student loans, which were taken out between XXXX and XXXX for my XXXX education and thus have the typical high and variable interest rates forced upon students who needed private loans to fill gaps in their educational financing before the recession. 

I am a XXXX  student  who makes $ XXXX on average with my position as a XXXX XXXX. Navient only offers 5 years of forbearance for XXXX  school. However, my XXXX  program takes on average 7 years to complete. My current monthly payments of around {$540.00} are completely unaffordable with my salary, and they will continue to be unaffordable until I XXXX  in XXXX  years. 

I have called and spoken with Navient officials numerous times since my loans went back into repayment to try to figure out how to lower my payments. Since I have " maxed out my forbearances, '' the only option Navient continues to offer me is a 6-month short-term interest-only repayment plan. While these payments were initially affordable at around $ XXXX, they have continuously increased alongside the LIBOR rate and have become unaffordable.

Today, I called with the intention of scraping my bank account to make the {$380.00} interest-only payment I was quoted two days ago on XXXX XXXX, only to find out this payment has increased to {$390.00} with today 's LIBOR rate and is now unaffordable. Despite giving several financial statements to Navient which have clearly shown I can not afford these payments, Navient offers me no other options. 

I have kept my account current with Navient for the past 14 years. Even during 2 years when I was a XXXX XXXX volunteer and making $ XXXX, I saved enough and emptied my savings to make on-time payments. I calculated that I've payed around $ XXXX to Navient over these 14 years, only to see my balance increase from $ XXXX to $ XXXX. Because of these payments, I have no savings, a $ XXXX balance on my credit card, and more public loans as I need to take them out to afford to live while making private loan payments. 

I have shaped my whole life in order to afford my student loan payments while still acquiring my XXXX. I have no car, the cheapest possible studio apartment available in the city in which I live, and yet still I am struggling to survive. I have no idea, if I didn't have this debt, if I might have aspirations to own a home, get married, or a family. I only know that Navient has shown me that those dreams are impossible. What is Navient gaining by scraping every cent that I own? Yet I am the one who contemplates XXXX. I know I am not alone in this struggle with predatory private lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: R & B Corporation of Virginia
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: Information belongs to someone else

Complaint:
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX NA {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX {$120.00} CREDIT CONTROL CORPORATION XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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:
XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, 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:
XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Account information incorrect

Complaint:
XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: ACS Education Services
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: Information belongs to someone else

Complaint:
Violation Federal Debt Collection Practices Act 809 ( b ) " ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. '' After checking my consumer credit reports, I noticed a company called ACS/XXXX was reporting on my credit report. On XX/XX/XXXX, I sent a debt validation letter to ACS/XXXX via certified mail ( receipt attached ). I disputed the entirety of their claims. 

On XX/XX/XXXX, I sent disputes to XXXX, XXXX, and XXXX certified mail ( receipts attached ). 

On XX/XX/XXXX, I received updated credit reports from XXXX and XXXX stating they verified the information and updated my credit reports. 

The information was not deleted. 


ACS/XXXX is in violation of the FDCPA 809 ( b ) because they continued with collection activities ( responding to and verifying credit reporting agencies ) while failing to send me verification of the debt. 

As of XX/XX/XXXX, I have yet to received any correspondence from ACS/XXXX. They failed to respond to my debt validation request but yet responded to the credit reporting agency, which is continued collection activity. 

This is a clear FDCPA 809 ( b ) violation. 

I respectfully ask that this tradeline and account be removed from all three of my consumer credit reports. 

Attached is : 1. Debt Validation letter to ACS/XXXX 2.  Certified Mail return receipt for ACS/XXXX 3.  Certified Mail return receipt for XXXX XXXX, XXXX, XXXX 4. Updated credit report from XXXX   indicating the ACS/XXXX verified 5.Updated credit report from XXXX indicating the ACS/XXXX   verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a notice from a collections company named Hunter Warfield on XX/XX/2021 for {$7400.00} to XXXX XXXX apartments. We sent a letter the next date XX/XX/2021 stating that we dispute the entire amount. There is no judgment, this is just an assertion based on an unenforceable contract. 

A collector from Hunter Warfield began repeated phone calls to both of our phones and places of employment, as well as emails starting XX/XX/2021. Today, after speaking with him he said that they do not accept the " dispute ''. 

I followed up with another letter letting them know they do not have our permission to contact us and that once again this is not our debt. They can contact XXXX XXXX or refer to their own counsel. 

XXXX XXXX XXXX complex also DBA XXXX XXXX XXXX was given all of the information prior to turning this over to a Collection company that we do not accept this debt. They were given a letter by my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting and XXXX  Account 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

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX  XXXX {$760.00}

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 2021-11-09
Company: SYNCHRONY FINANCIAL
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:
Went to my XXXX credit report app and notice incorrect information on 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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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