BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I volunteered to send the vehicle back to capital, i was never served or notified from capital one that they were selling the vehicle. i asked on several occasions for proof notice for a year and i still have not gotten a reply. i also sent certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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 information incorrect

Complaint:
The company was having issues with their system so all payments had to be mailed in and they said that they would not count any payments as late because of their system issues. There is now a late payment on my report and its stopping me from buying a home. This is not fair and is in violation of my rights as a consumer. I did what they said and this is not fair that they did not keep their word.

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 2020-10-26
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to 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 2021-03-29
Company: EQUIFAX, INC.
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:
THERE ARE 3 STUDENT LOANS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME I HAVE REACHED OUT TO EQUIFAX BUT HAVE RECEIEVED NOTHING BACK FROM THEM I NEED THESE OFF MY CREDIT ASAP Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Citizens One was unauthorized. Ive attached a copy of the Pre-Approval letter from my credit union who currently finances my vehicle. There was no reason for Citizens One to run my credit due to having already secured financing through my own credit union.

I am requesting that Citizen One remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Bass & Associates, P.C., Attorneys at Law
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently my Federal tax refund was offset by the US Department of Education. I have reason to believe that the contracted collection agency Bass & Associates and the US Department of Education did not send me proper notification. I never received any collection notices informing me of the days past due or the default procedures. On XX/XX/2018, I was mailed a Debt Statement with a Request for Review, and Notice of Proposed Treasury Offset. I am certain that this was the only notice that I received from the US Department of Education. Which in my opinion, did not give me enough information to verify the status of my account considering my Chapter XXXX Repayment Plan. 
I responded by mail on XX/XX/2018 with a Request for Review ( provided by the US Department of Education ) and detailed documentation that I was currently under a Chapter XXXX Repayment Plan. I never received any other correspondence or calls from the US Department of Education or the contracted collection agency Bass & Associates. Recently, I created an account on the US Department of Education website and it the wrong phone number was on file but my mailing address and email address were on file. 
After filing my 2018 taxes, I recently learned that the US Department of Education offset all of my much needed tax refund to repay the debt. I am currently faced with major financial hardship after not receiving my tax refund. I have received multiple utility cutoff notices and cancellations of my insurances. It is my hope that my complaint is forwarded and reviewed as a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2018-10-19
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone message about 2 weeks ago, I did a courtesy call back and told them that they have a wrong number, no such person lives here. My answering machine clearly states that you have reached XXXX and XXXX. Pease don't call here again and the lady said she was documenting my phone number ( XXXX ) so that I would not receive further calls. Yesterday I received another phone call, I left it go to the answering machine, the number was XXXX ext. XXXX, different ext. no. from the first call. I did a return call and was upset that they should call my number again and that I would report them. I did give my number to him and I wasn't going to answer any other questions and told him that we're finished here and I hung up on him! Please help end these phone calls to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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:
According to the IRS. A canceled debt ( charge off ) is *considered as gross or ordinary income ... a 1099 was issued for this account. * *Income does not get reported to your consumer report. * Making this a violation that the creditor ( XXXX XXXX XXXX  ) acount # XXXX. 
address XXXX XXXX XXXX, XXXX NC XXXX. Since XXXX of this account creditor & all consumer reporting agencies has *violated my rights* reporting this inaccurately account information for more than *3 years* this is unfair to me the consumer. 
And according to 15 USC 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates .... in my case none of the consumer reporting agencies didn't do so.

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 2019-03-08
Company: PNC Bank N.A.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went to apply for a loan with my bank ( PNC at XXXX XXXX XXXX ) and the man informed me that I should reconsider my application because I disclosed I may not have good credit. He denied to process my application and because of his negligence and unwillingness to help ( not the computer system ) I was evicted from my apartment in XX/XX/2018 and have been struggling to catch up since then. I only requested to apply for a loan of {$1100.00} and he first told me personal loans were from {$2000.00} ( base ) then told me I shouldnt apply for a smaller loan because my credit may not be good enough to qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, my citi credit card was charged for {$2100.00} by a merchant named XXXX XXXX in XXXX XXXX XXXX, XXXX. I was in XXXX, XXXX. I tried to purchase a XXXX  XXXX  and was told it was rejected by Citi and used a different card to purchase a {$200.00} XXXX. I contact citi? 2 days after I received the charge and filed a fraud transaction. Citi has since denied fraud and did a disputed claim. I received a letter dated XXXX denying this claim. I received no physical evidence of this transaction. I never received any service or product from the company l. I have a witness also.

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 2019-03-08
Company: BlueChip Financial
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:
In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX  and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau XXXX. I also had another loan with XXXX  that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I personally don't have knowledge of this debt from XXXX XXXX XXXXk or lvnv funding LLC. I did have id theft back in those before the new era of record keeping. I get letters from restaurant capital services. I've asked them to stop contacting me. I don't have knowledge of this. It was ID theft. They refuse. They claim it's from XXXX. I had no clue of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: DISCOVER BANK
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:
I applied for a credit card company named DISCOVER CARD FOR STUDENTS WITH LITTLE TO NO HISTORY OF CREDIT. application number XXXX spoke to someone named XXXX who was helpful but i was still upset from the lies of the employees as of XX/XX/2021. I spoke to 2 people which one was a manager who were so rude and inaccurately getting my credit report information and DECLINING MY APPLICATION FOR NO REASON BECAUSE I DON'T HAVE NO DEGRATORY MARKS. AS I STATED AND AS ON MY XXXX XXXX ACCOUNT. WHICH SHOWS XXXX $ FOR EVERY STATUS. I HAVE NO CREDIT HISTORY AND FOR THIS COMPANY TO SHOW LACK OF CONCERN FOR CUSTOMERS IS VERY RIDICULOUS. AND STATING THEY DON'T RECONSIDER A PERSON APPLICATION IS VERY DISTURBING BECAUSE THAT IS THE WHOLE POINT OF RECONSIDERING A PERSON APPLICATION NOT DISCRIMINATING AGAINST THEM FOR NO REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I, XXXX XXXX, contracted a lease/rental of the home located a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX to XXXX XXXX XXXX. 

I live in California therefore she indicated that she deposited the amount of {$2900.00} to my Bank of America account in California on XXXX. 

The above amount would cover two months of rent in the amount of {$1000.00} each month and {$900.00} as a deposit. 

On XXXX XXXX XXXX XXXX texted me to let me know that she didn't want to persue the House Lease because she was moving to XXXX therefore she wanted her money back. 

I went to the Bank of America ( branch # XXXX XXXX and XXXX ) to check in person if the check had been cleared and I was told that the money had arrived to my account. 

So, on XX/XX/2019 I sent her money back through a wire transfer to her account at the XXXX XXXX XXXX XXXX in the amount of XXXX. ( I discounted from the total amount {$2900.00}, a fee of {$250.00} and {$30.00} of the bank wire cost ) On XX/XX/XXXX I recieved an email from Bank of America stating that the check sent from XXXX XXXX in the amount of {$2900.00} had no funds available and Bank of America was requesting payment for their loss. 

I belive the bank is responsable for the error in which they failed to check the funds for the check that was sent and should not charge me for that amount since I was advised by one of its bankers that the money had been deposited. 

I spoke to Bank of America several times and they dont want to take responsability. 
I have never asked Bank of America to deposit money into my account that is not mine. Also I have another accounts with Bank of America and without my authorization they took funds to cover the ovedrawn from the affected account and this is not fair bussines

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 2019-03-08
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I spoke with Navient on the phone about 2 years ago and they advised they were a third party collection agency. I advised them I did not have a debt with them.Asked them to verify this debt with name and signature and they never responded. 
Currently I have been under a XXXX XXXX plan. 

Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and XXXX Taxes were taken from me and applied to a delinquent debt. 

The applied debt was taken by U.S. Department of Education C/O Navient, P. O. Box XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also XXXX XXXX XXXX XXXX  XXXX XXXX, P.O Box XXXX, XXXX XXXX, Oklahoma XXXX. 

However, this Company Navient and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX, a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. I did, however, send a letter to both of them to verify this debt. I also advised them that I needed proof of debt with date and my signature on it. They could never verify that I ever made the debt with them. 

I believe this is an unjust claim for them to take my Federal Taxes and XXXX   State Taxes due to the nature of the claim. 

To resolve the problem, I would appreciate and request a full refund. 

I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XXXX for a resolution. 
I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. 
I need assistance as soon as possible. 

I sent letters also to My Consumer Protection Agency and My Attorney State General. 
XXXX tax was {$920.00} XX/XX/XXXX and last years they also took XXXX $ XXXX included they took my Federal Tax {$2900.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: SC
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:
Experian reporting a collection account on my credit report. This is causing my score to be REDUCED. Please remove collection account from my 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 2020-07-11
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 checked my account and theres was MULTIPLE transactions i did not do, I filed claims with my bank ( bank of america ) and they just did denied it in a matter of 4 days. I am sick all of my money is gone

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 2019-03-08
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I received a letter from AR Resources saying I owed a medical debt. The letter states the original balance is {$160.00} and a collection fee of {$46.00}, for a total of {$210.00}. 
First, AR Resources is a medical debt collection company and barred from collecting fees and/or interest *unless* agreed upon in a contract by both the consumer and the provider. No agreement with the original provider was made ( XXXX XXXX XXXX XXXX ). I request a full breakdown of what these fees are ( i.e. late fee and/or interest ). As such, I dispute the validity of these fees. 

Second, the letter from AR Resources includes a breakdown of the services my Daughter ( XXXX XXXX ) received at XXXX XXXX XXXX XXXX. This breakdown alleges that our insurance company was billed ; however, they *never* billed our insurance. As a result, these charges are what a person would pay " out of pocket '' when they do not have insurance. Had the claim actually been submitted, our medical insurance company would have reduced those charges based upon the contracted rate with XXXX XXXX. As such, I dispute the validity of these charges. 

Third, AR Resources is violating the FDCPA, wherein a debt collector must include the statement that the consumer has the right to dispute the validity of the debt within 30 days. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation