BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-05
Company: Franklin Collection Service, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Medical bill that was already paid. I tried getting a loan to refinance my home and it show as not paid. I called the collection agency and they had no record of me owing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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: Account status incorrect

Complaint:
XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency Default Resolution group or Debt Management & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Ad Astra Recovery Services 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:
inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EdAid Limited
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In the year XXXX I obtained student loan from the company EdAid ( XXXX ) for XXXX XXXX XXXX XXXX which I've been paying the loan of {$490.00} every month even though the school didnt fulfill their initial promises. This year in XXXX I stated having financial issues which I immediately reach out to them that they should spare me some few months to search another job but to my surprise this company didnt show any compassion. They went ahead and take the money cause me overdraft in the month of XXXX which I complain to them again. In the month of XXXX and XXXX they the same thing cause me overdraft, as well. They ask me for the termination letter but I told them that I'm an XXXX XXXX XXXX XXXX for XXXX XXXX  company. They deactivated my account instead of termination letter. I screenshot the deactivated account and did a breakdown of my monthly expenses, and I explained to them that I do not get any assistance from the government as well. This company is adding to my frustration. They let the my bank charging me overdraft in left my checking account in negative.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclay Card case number : XXXX My bank, XXXX  XXXX XXXX sent {$860.00} to Barclays on XX/XX/2022 and it deposited XX/XX/2022. Barclay didn't post this amount to my account. I called my bank and Barclay over 10 times. Barclay resolutioncenter requested a copy of the paid check and they will be posted this amount directly, so I sent an emailof the copy XX/XX/2022. 
The check showed my Barclay account and name address clearly. Anyone can see well. 
After that I called a few more and asked online for posting my payment because the duedate is almost coming. 
But Barclay didn't solve 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 explanation
Consumer complaint received 2018-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom it may concern, In XX/XX/XXXX I prepaid ( with my own funds ) for a capital one prepaid visa. This was for the purposes of needing emergency funds. This was my money. It was never a credit card nor was it any responsibility for Capital One to provide any credit to me. 

When I finally tried to use the card, it was declined ( it was my own money so I'm sure you can imagine how frustrating that would be ( and embarassing because I was at my doctor 's office in front of many other people. 

It wasn't until XX/XX/XXXX that there was a misunderstanding on my part. I received many many months of junk mail from Capital One and continued to toss it in the recycling bin each month. Unfortunately, I wasn't paying attention ( my mom died and I was XXXX XXXX for which I have medical confirmation if needed ). With all of their junk mail, I didn't see the mail with a {$55.00} charge until it was too late. Capital One reported a 30 day late notice on {$55.00}. 
You will notice on my credit report, that I don't have any other 30 day lates so it's not like I'm a deadbeat who doesn't pay her bills. I've asked Capital One to remove it 2 times given the minor oversight on my part and the fact that it's only {$55.00}. They will not. I've asked the credit bureaus to try and remove. They will not because Capital One says it's a valid report. Capital One says they are required to report it due to the Fair Credit Reporting Act. Well, for {$55.00}, it's about as unfair as unfair could be. Which is ironic since they are hiding behind the " FAIR '' Credit Reporting Act. 
My request to you is this : Can you please find a way to remove the {$55.00} Capital One- 30 day late? For the past 2 years, it has greatly impacted my ability to get a car loan, home loan, credit cards ( up until this year ). I understand I made a mistake but for {$55.00} it's costing me thousands of dollars in terms of car loan % rates. Again, this was my money all along ( other than the {$55.00} ). They EARNED INTEREST ON MY MONEY for 16 months until XX/XX/XXXX and then again for another 2 years, with no risk on their part at all. Again, this is not fair. 
Thank you for your assistance in this manner, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My access to M & T Accounts was " locked out '' via XXXX, Mobile Banking and On-line banking. I contacted the bank multiple times, wasted over 2 hours last evening with multiple resets and being locked out each time again. Last time I was told it was fixed and to wait 20min and try again and it would work. It locked me out again and of course they closed 20 minutes after I was told this ( they just told me nicely where to go ). They are shutting down their entire system for the weekend to " upgrade '' If this is not fixed today, I will be without banking for 6 days. How do I pay my bills, who pays my late fees? I have spoken with many reprsentatives, they don't know how to fix it. I have tried to contact their corporate offices, but they have effectively removed every means to contact this office. It is easier to contact the white house. This is no way for a bank to operate and some one has to reign them in and take care of their obvious issues. 

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 non-monetary relief
Consumer complaint received 2021-04-08
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PMS is trying to collect I do not owe XXXXXXXX XXXX XXXX XXXX. my insurance needed to pay the bill and then the rest was paid by me as my deductible. I paid off the bill and do not owe anything to XXXX XXXX 's XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
There has been an account by XXXX XXXX XXXX with something placed for collection on about XX/XX/2022. I have contacted them already that obviously the account is not mind and has had no verification whatsoever that the account belongs to me. This is negatively impacted my credit score and ability to buy a home.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: OH
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:
Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.

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 2019-07-19
Company: Santander Consumer USA 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:
ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-18
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: Personal information incorrect

Complaint:
I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CCS Financial Services, Inc.
State: AR
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:
COLLECTOR ONCE AGAIN FAILED TO CEASE AND DESIST COLLECTIONS ON SAID DEBT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a Checking account with Truist bank ending in XXXX. I wanted to close the account but this bank is not closing. Moreover they expect me to keep on calling or chatting with them to close it otherwise they will charge money for XXXX balance. 
Chatted with XXXX on XXXX XX/XX/2023 to close this account.

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 2023-04-25
Company: Affirm Holdings, Inc
State: FL
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:
Per the attached I was charged {$150.00} sales tax, per the attached the State of Florida has a one year tax free holiday on appliance purchases. Merchant is aware of this. Merchant has NOT provided the appropriate credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Aargon Agency, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2023-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When I locked in a mortgage rate with our Loan Officer XXXX XXXX from Citizens Bank, we enrolled in the Rate Cap Protector Program, which states that we are able to do a 'float down " at no charge if rates come down before closing. Shortly thereafter, XXXX XXXX was fired from Citizens Bank, and our loan was transferred to a new Loan Officer, XXXX XXXX. He was not familiar with both the Rate Cap Protector Program, despite it being in our file, and did not recognize the contents therein. He also was unfamiliar with the specific loan vehicle, a physician loan, which made it cumbersome for him to check rates. XXXX XXXX refused to check rates on multiple occasions, in violation of our signed agreement with the previous Loan Officer, and ignored communication to honor the program and float down program. He refused to send things in writing despite repeatedly asking this. He also did not honor previous Loan Officer 's agreement to be able to but down the rate with additional points. All of this is in writing. The biggest complaint is refusing to check rates and communicate the rates with us despite repeated requests. XXXX XXXX provided false statements about his ability to honor the loan agreement and took misleading ( in ) action. 
On the dates of XX/XX/XXXX and XXXX XXXX XXXX refused to check rates for us, in violation of the agreement. I also have proof that rates did indeed go lower, which we would have liked to have taken advantage of given the Rate Cap Protector ( float down ) program we signed, as evidenced by other lenders/banks pulling rates that were lower than our previously agreed upon rate ( and the same terms - 10 % down, physicians loan, etc ) - on the same days that we requested rates from Citizens. Citizens had actually always beaten both XXXX XXXX  and XXXXwhenever I compared on the same day -- Citizens ' XXXX XXXX just did not check the rate when I asked in early XXXX. When compared to market rates and competitorrates as shown, from early XXXX, you can see that rates had improved from my original XXXX with additional points upwards of {$2000.00} ( again, compared to a lower rate, with a credit ) -- but he refused to new check rates in violation of the contract. 
We were in contact with the Citizen 's Bank Chairman 's Office, who are now no longer returning our calls or emails, as we have requested the refund and return of the fee that we paid to Citizens Bank for this program that they were in violation of to the amount of {$1400.00} which was the payment made on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As your ditech company had said that it would give me a refund when it will send the current tax receipts, I already sent it to you weeks ago, just need to send the taxes of the school, and that comes in XXXX. therefore I ask for the return of what I paid extra from XX/XX/2018 to today date ... I ask for a refund of the difference i have paid extra.as you told me in a letter company will refund me. 


And still need some readjustments in the account are missing ... I hope they meet this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation