BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: Experian Information Solutions Inc.
State: TN
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:
identity theft XXXX XXXX an account was opened from XXXX XXXX XXXX ( not my account ) XXXX XXXX  was opened with a hi balance of XXXX and was closed in XX/XX/XXXX not my account XXXX XXXX an account was open and left a balance of XXXX this account is not mine closed on XX/XX/XXXX XXXX   XXXX XXXX  this account was opened in XX/XX/XXXX and is now in collection. this account is not mine XXXX XXXX carries a hi balance of XXXX is not my account closed dedicated XXXX XXXX opened ii XX/XX/XXXX original creditor XXXX  carries a balance of XXXX js not my account. 

XXXX XXXX XXXX opened XX/XX/XXXX { XXXX ) XXXX balance is not mine XXXX XXXX/XXXX XXXX balance was added to my report is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX charge off is not mine XXXX XXXX opened XX/XX/XXXX closed XX/XX/XXXX is not my account Chapter XXXX bankruptcy added in XXXX is not my 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 non-monetary relief
Consumer complaint received 2019-10-23
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is against Citibank and their potential unethical practices of authorizing transactions. Basically, my credit was at it's max limit without my knowledge. In the event you hit a limit the card should decline. However, Citibank continued to allow transactions to be approved. The put the card into an over limit status. My minimum payment was supposed to be {$89.00} but they withdrew {$630.00} from my checking account as minimum payment. 

We contacted the CEO of Citibank and the matter was not only not resolved it was flat out disregarded and we were told " too bad ''. To make matters worse Citibank no longer issues paper statements to us so we never knew what the payment would have been beforehand. We are considering this unethical and fraudulent on Citibank 's part and would like it to be resolved.

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 2019-06-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the last 4 days I have had issues getting information off my credit from Equifax. I have verified my full name, social, address, date of birth and issues related to me. I have had to be on the phone over 30 minutes. I have faxed information including my driver lic and social to equifax. to remove error off my credit. to no prevail I am repreatedly told I have to fax the same documents over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Alorica Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I originally got a XXXX XXXX XXXX XXXX XXXX  XXXX XXXX '' for {$3000.00} around summer of XXXX, where I was to get {$1000.00} and the rest went into a savings account minus fees, for when the entire amount would be paid off, which was {$2600.00}. I got an email on XX/XX/XXXX stating that XXXX had gone out of business and sold the loan to SST Loans and everything was supposed to remain the same. On XX/XX/XXXX I went ahead and paid the loan off. However, in XX/XX/XXXX & XX/XX/XXXX SST Loans took a monthly payment of {$70.00} each out of my checking account with XXXX XXXX. When I contacted SST Loans about this they said they would reimburse me, that took at least five phone calls over a months time to get them to that point. As well as it also took them being contacted by XXXX Bank & the Better Business Bureau in order to get them to reimburse me the 2 {$70.00} payments that they took out of my account. After they reimbursed me for that, I called them about the savings account where they were supposed to reimburse me for the {$1600.00}, which they said they closed the savings account but would reopen it in order to reimburse me the {$1600.00} that they still owed me, however they would charge me a fee of {$70.00} per day for " interest ''. So they opened the savings account with XXXX XXXX Bank " supposedly '', where the funds were being held, however I contacted XXXX XXXX Bank to inquire about the funds and they had no idea what I was talking about. After this I called SST Loans to inform them of what XXXX XXXX Bank had said and they said I must not have spoken to the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried disputing late payments on my credit report several times because they are inconsistent between all three credit reports which is a violation of the FCRA. I do not feel that i should be held liable for errors on behalf of Capital One. I have attached a screenshot of my credit report showing the violations of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
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: Account status incorrect

Complaint:
I have private XXXX XXXX with XXXX. I completed my XXXX  in XX/XX/XXXX, and they reported me as late then and when I contacted them, they said they had the wrong date for last XXXX. They corrected some of the late payments reported. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to their website, you have 6 months deferment before loans are delinquent. As of today, they have reported my loans as delinquent and that is incorrect. They have bad practices internally ... how does this happen to XXXX person XXXX? 

I have attached a snip it from their website showing the XXXX deferment and I have attached my transcript showing i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Autovest, L.L.C.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom is may concern ; Company AUTOVEST contacted me to attempt to collection on an allege debt I have no clue of! and violated several consumer rights laws here 's a few listed below : 15 USC 1692a ( 6 ) ( A-C ) 15 USC 1613 18 USC 1341 18 USC 1701 Rule 10b-5 15 USC 1666b 15 USC 1666d

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 2021-11-05
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Adjustment Service , Inc . 
XXXX ( XXXX ) Debt collection agency in XXXX XXXX, MinnesotaClosed THIS COMPANY KEEPS CALLING MY CELL PHONE..I HAVE BLOCKED THEIR PHONE NUMBER AND ADDITIONAL PHONE CALL MADE FROM THIS COMPANY WERE SPAM CALLS. THEY ARE CALLING USING TEXAS AREA CODES..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: UT
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:
FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NC
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 light of recent investigations brought upon Equifax I find my consumer file has benn responsibly tamperered with. Over the past few months I have made SEVERAL attempts to remind Equifax of their duty pursuant to 15 USC 1681. I feel they are intentionally and willfully being neglectful in remedying my affairs. 15 USC 168E [ B ] states I am due promised accuracy in my report based on federal law. XXXX has stated they have verified the account of XXXX XXXXXXXX XXXX with Account Number # # # # # # XXXX. On XX/XX/XXXX I have requested VALIDATION of this account and as of today 's date XX/XX/XXXX, I have not received it. I am again requesting VALIDATION. I am requesting Equifax provide me with debt validation and the Health Insurance Portability and Accountability Act ( HIPPA ) authorization they obtained. This is NOT a request for verification as they have stated they have verified the account, but a request for VALIDATION made pursuant to 15 USC 1692g et seq of the Fair Debt Collection Practices Act ( FDCPA ), Since they stated they verified the debt I have requested Equifax provide me with the following information obtained : The HIPPA-covered entity or its business associate provide debt validation for the account in question. 
The debt validation in the form of agreement, original bill and a detailed statement of procedures is required ; if any. 
A breakdown of fees including any collection costs and medical charges, if any. 
A copy of my wet signature with the provider of service to release my medical records to you. 
A report of comparative analysis between the dubious signature and the signature recognized by the alleged signer ; if any. 
A verified certificate of authority, and proof that the company is licensed to collect debt in North Carolina. Include license number, registered agent or agent of service. 
An affidavit signed Penalty of Perjury that your organization hasnt violated any portion of the FCRA, FDCPA, HIPAA.

I informed all parties withholding the information received from any medical provider in an attempt to be HIPPA compliant can be a violation of FDCPA because they would be deceiving me after my written request. I request full documentation of what they received from the provider of service with the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2017, somebody used my debit card and spent money at a XXXX 's XXXX, as well as a XXXX. I reported these charges immediately and was refunded by Bank of America. A few months later, I received another charge from XXXX. This charge was much larger and based off online research, I assume it's because the person who used my card never returned their XXXX   rental ... so I was getting charged a no return fee by them. I called Bank of America immediately and let them know XXXX has charged me again. They reversed the charge. Then the next month, XXXX charged me again. I call Bank of America, and just like last time, they reverse the charge. Skip to the next month, and XXXX has charge me yet again. Clearly this issue isn't being taken care of. On top of that every time XXXX charges me and Bank of America reverses it, Bank of America insists on sending me a new card ... leaving me cardless each time for about a week. 

This had to have gone on 4-5 times. The last time I spoke to Bank of America, we actually conference called XXXX together and spoke to a representative there who said he was closing the account and making a note that I was a victim of fraud. They stated no more charges should go through. 

Now I write this because this past weekend, Bank of America sent me a notice stating my claim has been denied and they took the XXXX money ( {$75.00} ) back out of my account. Both these companies have allowed someone to just straight steal money from me and I don't know what else I can do at this point.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2023-01-03
Company: Experian Information Solutions Inc.
State: NV
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:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE DMV BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers 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 2018-07-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a cosigner on a student loan. On XX/XX/18 I called Navient for the payoff amount on the loan. I made the payment on the phone with customer service. I was told I would receive written confirmation and the account would be closed/marked paid in full. I didn't receive any thing so I called today XX/XX/18 and found additional payment due. If I hadn't called I would not know of these charges and was put at risk of late fees and interest as well as negative credit reporting. Was told by XXXX XXXX the additional charges were interest. Told him what I was told on XX/XX/18 and asked him how can you have interest on a XXXX  balance. He proceeded to tell me the final payment would be written off since it was less than {$60.00}. I told him I was making a formal complaint and he said he would transfer me to a supervisor. Supervisor XXXX comes on phone after a 10 minute hold wanting to congratulate me for payoff. I explained I was making a formal complaint about the misinformation I was given on XX/XX/18. She said she would forward complaint to rep 's supervisor. When I asked for the name and ID of the supervisor she said she didn't know it. But it would be forwarded. Then she said it would be forwarded to upper management. When asked who they were she again said she didn't know. But told me since balance was less than {$5.00} it would be written off and that would close the account and then I would receive written confirmation of the payoff in about two billing cycles. The problem is I will have to wait and HOPE they do their jobs and RISK negative credit reporting on an account that has been paid in full. If I lied to and misled my employer 's customers I would have been fired. These people say whatever comes to mind when they talk to you just to end the call. This not my first contact with Navient customer service. They lie and they mislead to end the calls. Should not call themselves " customer service.! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: CA
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 months ago I noticed incorrect information being furnished on my credit report. I sent a letter to the credit bureaus on XX/XX/2021. To this day, I have not heard back from them. I wrote a new letter today and will be mailing it out today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After no less than 3 separate contacts and sending all requested identification information the credit bureaus have maliciously refused to remove a lock from my credit file that I never requested. This is a blatant violation of my consumer rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: NV
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:
on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my 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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2021 Is when I mailed off my credit dispute letters to the credit bureaus. It has been more than 30 days and still no investigation results. This is a violation of my rights.

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