BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Navient Solutions, LLC.
State: PA
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:
The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt. Due to XXXX 's fraudulent practices I was deceived into taking out private loans from Sallie Mae in the attempt to pay for my education. I attended XXXX XXXX XXXX in XXXX, VA from XX/XX/XXXX to XX/XX/XXXX within their XXXX XXXX XXXX XXXX program. Prior to me enrolling into XXXX XXXX, I had met with a recruiter who guaranteed me that they would place me onto a job ( because they had exceptional job placing rates ) and that their accreditation would carry over into other schools if I had decided to transfer my credits. These details alone attracted me into enrolling into this for-profit school. After I was enrolled and had attended classes for a couple of days, I remember being called down to the office from class as my tuition needed to be secured. The officer, I do not remember his name but he was a young XXXX  male with glasses who had just started working there a few months back. He explained to me that my ONLY option were to utilize private loans for my education. They did not offer work aid, any federal loans, or any other financial programs that would assist with paying for tuition. They told me my options were limited! At that time I was XXXX XXXX XXXX, was pressured to take on private loans and was literally backed into a corner. I took out private loans for the remainder of my schooling. Fast forward to the time of graduation, they set me up with 1 job interview and that was it! I did not get that job and after I graduated they literally washed their hands. I did not have any other interviews and it seemed like after I was no longer a student, they did nothing in the attempt to place me anywhere else. This completely contradicted how they advertised their high job placement rates. About 6 months after graduation I still did not have a job in my field as XXXX provided no job placement or interviews. It was time to pay my loans and because I was not working my only option was to consolidate, to somewhat attempt to lower my payment. I did consolidate but due to my high interests the payment was still high. Later down the road I had to enroll into a University and none of my credits from XXXX transferred over. So now, that two years that I spent at XXXX has obtained me nothing but astronomically high debt and zero accreditation from my credits. With all their schools closing down, jobs will not look at their education as something to be obtained. The illegal activity from XXXX such as them lying about their accreditation, lying about their high job placement rates, and lying about their accreditation has put me in a whole world of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Bread Financial Holdings, Inc.
State: MI
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:
Last year I enrolled with XXXX to help settle my debt. Before they dropped me ( financial issues ) they had settled a few debts one of which was XXXX  XXXX XXXX XXXX visa aka XXXX  XXXX XXXX They paid all but one payment of the settlement before returning my money back to me from my account they had. I don't know why they didn't make this final payment. However when I found out they didn't I paid the final amount plus some. Since then they have continued to bill me and give me negative marks on my credit report. I have tried going through XXXX and the company about it and have gotten no where. It's like the company is pretending they never made a settlement while continuing to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted   XXXX   XXXX   XXXX   XXXX  . Nobody could help me remove these inquiries that are not mine.      XXXX   XXXX   XXXX   XXXX  Bank  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 explanation
Consumer complaint received 2018-10-14
Company: PENTAGON FEDERAL CREDIT UNION
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:
I recently obtained a copy of my credit report from XXXX report. It indicated that ( 3 ) credit inquiries were made by your company. However, only one was authorized by me the ( 2 ) other inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries, and have them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 've submitted multiple times proof of my condo insurance, even send it through "  XXXX  '' per the servicer 's instructions ; howe ver AmeriHome keeps saying they do n't have it. I attempted to upload the insurance coverage again, and it tells me the document is already " in process '' and would not allow me to submit again. I do not want or need force placed insurance, as this insurance is paid through my HOA. I attempted to get information of to send my proof of insurance to the insurance department ; however I only end up with the phone agent 's own fax number, and the document is lost. I received a new letter stating my insurance coverage  is needed. Please help!

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 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
BOA was notified that my card was taken by someone I know and it was used fraudulently. A fraud dispute was created. They said because the card was physically used and they used the pin or signed for it, it stays on my account. I have given them a police report and the name of the person who committed the fraud, and they still refuse to resolve it. This was fraud and I have proof. The person admitted it in writing and admitted they did it. And BOA will not even take the info, they keep closing it without talking 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 monetary relief
Consumer complaint received 2017-06-14
Company: ARC Management Group, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened up my   XXXX   XXXX   and I saw a derogatory mark fro m ARC  opened  XXXX   XXXX   2017  for {$150.00} .I do n't have a clue where this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: 1st Franklin Financial Corporation
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:
On XX/XX/2023, 1st franklin financial corporation Wrote me a letter Alleging I Owe them and they notified me that they were going to take Legal Action which is funny because I didn't give them permission to Speak to me with the Foul language they really ruined my whole day. They are directly violating 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I don't like what they said to me. they keep blowing up my phone at unreasonable hours under 15 USC 1692d ( 5 ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. provide proper documentation that they are legally owed under penalty of perjury

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 2021-09-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letters regarding inaccurate and unknown things on my credit report. To date it has been more than 60 days that I have not received a response. At this point I feel as if I have been not been treated fairly and my disputes are being ignored. Section 611 ( a ). states clearly that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. as stated prior it is past 60 days so they should be deleted punctually. I demand that these accounts be deleted immediately or I will file a ligation due to XXXX  caused to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 opened a secure credit card with Capital One credit 6 months ago. This required a security deposit of {$200.00}, which was fine. I was under the impression that at some point my credit score would improve and I'd qualify for a regular unsecured card and I would receive my deposit back. 

Upon calling Capital One to find out when I will get my deposit back, I was informed I would have to close my account to get my deposit back. This is an unfair practice as the closing of this account would negatively affect my credit score. So essencially I have to leave my deposit with them indefinately or close the account and suffer the consequences of a negative score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX  had a special on a  NEW  phone which was supposed to have uninterrupte d GPS Service an d a low price. This feature hardly if ever worked and always lost the signal on the phones. The GPS did not work as stated in advertising, the phones were returned to original Purchase place and account should have been closed, as this was all done within 30 days. Also the original date of this purchase and return is over 7 years and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Reporting Act, The listed account below has violated my federally protected consumer rights to privacy and confidentially under / / 15 USC 1681. 

Acct Name : XXXX XXXX XXXX. / / Acct # XXXX Acct Name : XXXX XXXX XXXX / / Acct. 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. Also, States Consumer reporting agency Can not Furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section. States, no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-29
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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX. XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}

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 2022-08-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX has violated my privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

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 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, 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 explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: NC
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 delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/XXXX @ XXXX there were 2 charges to my account totaling {$1400.00}. I was made aware of these charges when I received a text asking if I had made a purchase at a store I had never heard of. I replied NO at XXXX. Just prior to receiving the text from Capital One I had used my card at the XXXX XXXX kiosk at XXXX airport to do self check in. We walked away from the kiosk and left the card in the kiosk. We got the text about the charges and immediately went back to the kiosk and the card was gone. We contacted the XXXX & airport representatives and we all looked for the card but there was no sign of it. Then over the airport intercom I heard my name being announced and asking me to go to the Information Desk. On going there I found out that somebody had handed in my card. I then texted my response to Capital One that I did not make those purchases. I did not report the fraud charges in the airport because I do not speak any XXXX and I was afraid I would get delayed and miss my flight. I received 3 letters from Capital One, the first ( dated XX/XX/2022 ) said that a fraud investigation had been opened. The second ( dated XX/XX/2022 ) said they were happy to tell me that the fraud investigation had been resolved and implied that the charges would not be billed to my card. The third letter ( dated XX/XX/2022 ) indicating that insufficient evidence of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Sa-Vit Enterprises, Inc.
State: NJ
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 act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-04-16
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:
two fraud and inaccurate accounts ( XXXX XXXX / XXXX AND XXXX XXXX XXXX ) are reporting under my equifax credit file, i have tried to dispute these two inaccurate accounts from equifax but they have not been helpful at all, i have send them my police reports and the FTC report as well, but they are not helping me wit this stressful days and situation., i will be attaching these paper work that i have in my possession. 
hopeful you would not be ignoring me and be helpful appreciate thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: EQUIFAX, INC.
State: NC
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 delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief