BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-30
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received services on XXXX/XXXX/15 and this was a medical service that was paid for by my insurance company. I contacted XXXX XXXX and they assured me that I had no balance with them. The creditor AR Resources INC continues to try and collect on a debt that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Their investigation did not fix an error on your report

Complaint:
I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

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 2016-04-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been reading more on this website provided by cfpb and I am concerned by the fact that I have never been given the XXXX Tax form. Although this is not a federal loan it is a Private loan that was paid directly to the recognized eligible educational institution " XXXX XXXX the School '' in XXXX, Rhode Island ( year of 2006 ) where I have accrued XXXX worth of interest. This was a school to receive higher education. I have spoke to a few representatives ( throughout the years ) at Navient who have all told me I am not eligible ... But according to my reading here on cfpb, I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2022-12-22
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX, Account name : XXXX self-Reported # XXXX, account name : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, account name : XXXX XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXX # XXXX, account name : XXXXXXXX XXXX  # XXXX, accoutn name : XXXX XXXX XXXX XXXXXXXX, account name : XXXX XXXXXXXX # XXXX, account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions 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 explanation
Consumer complaint received 2020-09-20
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I went to the store and purchased some materials. I had a {$500.00} gift card to the store and was saving that for a different project and decided to use my store credit card. I had made a payment on XX/XX/2020. My credit limit was still the {$5000.00} it was originally. I have never had any late payments on any accounts. I am ahead on all accounts. I also paid off many of my other cards in full in the past week. When I tried to use the store card, my card was declined. I Checked my account later that night to find my credit limit had decreased to {$3900.00}. I messaged the company as I had not received any notice to a decrease in credit limit. I messaged the company and shortly received a letter dated XX/XX/2020 stating that my credit limit is now decreased to {$3900.00}. I didnt receive notice prior to the decrease and the amount was decreased before I was notified. The letter only showed after I inquired with the company. Very frustrating considering my good credit history and profile.

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 2021-01-29
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Affirm Holdings, 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:
After dispute results came back as Remain on report, I contacted Affirm to have them determine why they would ask the balance to remain when they are in agreement that the balance is {$0.00}. Their suggestion was to use a document from them in the dispute showing {$0.00} balance. I waited a few more weeks, and now Dispute says REMAIN again. Per XXXX they contacted Affirm a 2nd time and they told them that the balance on the report of {$540.00} should remain on the report, despite their acknowledgment to me that the balance is {$0.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: EQUIFAX, INC.
State: MD
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 received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, accounts that are included in litigation. The file number is XXXX, and XXXX  and Equifax have failed to delete the mentioned items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am being told they will not honor my identity theft because I did not supply id. This is false I submitted my driver 's license many times to them. They keep making excuses, to not do their job. While yhey are destroying my life. Exsperian has caused me non recovery homelessness and emotional turmoil that is not fixable. The mental anguish is overwhelming. Wanting to XXXX XXXX. For feeling like a burden. They are absolutely discriminating against 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update the following items that are harming my credit : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2018-09-05
Company: SYNCHRONY FINANCIAL
State: MD
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:
There is a hard inquiry on my XXXX credit report that I do not recall nor authorize the below company. Letters ( XX/XX/XXXX and XX/XX/XXXX ) were sent to the company attempting to get this removed. No response! 

Syncb/XXXX XXXX, FL 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 2022-02-08
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a call from a gentlemen identifying himself as XXXX XXXX with a badge number of XXXX from Citibank. He told me that there had been a hack of my account activity on my Citi account and the case number was XXXX. 

Upon further discussions over the course of XXXX to XX/XX/XXXX, he requested that I move funds from my account to safeguard them. 

As a result of the conversations, My checking account and my money market account had fraudulent ACH, XXXX and wire transfers that completely depleted all my money from both accounts. Those amounts were as follows ; XX/XX/XXXX ACH of {$1000.00} to XXXX XX/XX/XXXX Wire of {$48000.00} XX/XX/XXXX Wire of {$18000.00} XX/XX/XXXX Wire of {$2500.00} XX/XX/XXXX XXXX Debit of {$16.00} to XXXX XXXX XX/XX/XXXX XXXX Debit of {$440.00} to XXXX XXXX XX/XX/XXXX ACH Debit of {$10.00} to XXXX XX/XX/XXXX ACH Debit of {$5.00} to XXXX Citi sent some email notifying me of some of the transactions, but never reached out on the wires to inquire as to why I would be wiring this amount of money when I had never wired money previously.

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 2023-08-11
Company: Cascade Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CASCADE CAPITAL FUNDING , LLC IS STATING THAT I OWE THEM {$640.00}. Which I do not I dont have any account with them I already filed a dispute with them about them account and told them to cease and desist on this account. They have not provided any documentation with my wet signature that I have anything to do with them. Now as a consumer Iknow I have a right to privacy. In they are breaking countless of law of the FCRA and FTC AND HIPPA LAWS I WILL BE FORCE TO BE SEEKING Remedies from this laws because they are causing damage to my character as a consumer and cause me and my family a nervous break down. I had to check in with the doctor for this problem. They told me see my lawyer about the situation so I did so now I know about the laws they are breaking from my lawyer its a up to a 1000 per valuation me and my lawyer will be coming for this company. So ima telling you again cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Early Warning Services, LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Early Warning Services did not comply with request. Instead of providing an accurate and true report, I was provided a statement which in no way shows why I cant open bank account. This is a breach of my personal privacy as it relates to transactions which early warning services are not a party to and did/do not have my consent to purchase our share any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX  account # 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 states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Flagstar Bank, N.A.
State: MI
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 closed on my home with Flagstar Bank on XX/XX/2019. About a month later I received a letter of Servicing Transfer to XXXX , XXXX. At some point both companies were claiming to be the company servicing my mortgage and I received statements from both companies in the same month ( XXXX ). Right now my credit report is showing like I have two mortgages and because of their faulty reporting, my credit score dropped to the 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 2018-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 i filed a complaint with the CFPB XXXX XXXX ID XXXX XXXX about some fraudulent activity on my debit card. 

After disputing the transactions with my bank that they decided to only partially credit my account for these transactions. Even though I reported ALL of the transactions as fraudulent, and I also have new information. 

I believe that the person who stole my phone and my debit card, and who fraudulently authorized those transactions over the phone could have been an old babysitter. They knew my gate code ( which is also secretly the pin to my card ) and he had access to my personal belongings in the house while I was away.

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 2018-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I went to bank of America to cancel all accounts including my credit card account. My credit card was never cancelled and was charged without my knowledge. I am buying a house and checked my credit report to find I have a delinquency on a bank of America credit card that was supposed to be cancelled. I have contacted Bank of America and they have not been able to clear the charge from my card nor have they been able to remove the delinquency from my credit report. I have been transferred to 5 or more different people while on the phone with bank of America while requesting the card to be cancelled and charge to be removed and delinquency to be removed from the credit Report. I have never missed a payment in my life and have had a very high credit score until this incident. I am currently on the phone with them for 1 hour and 15 minutes.

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 2021-05-20
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have information to rectify my dispute from the creditor but Experian and XXXX XXXX has blocked my account when trying to file a dispute online. It states it has a problem accessing my credit file. Yet, I can login and review my report but when it comes to the dispute, Experian cant access my credit file and XXXX  keeps suspending my account because I have been disputing this account religiously. Im pretty sure if the shoes were on the other foot they would be doing the same for inaccurate reporting on their account over 2 years.

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 2023-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX   XXXX {$20000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXXXXXX {$49000.00} XXXX XXXX XXXX   XXXX {$87000.00} XXXX XXXX  XXXX {$64000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
i have submitted a dispute for an item that doesnt belong on my report for over a year now, and i still have not gotten a response. cant log into their website or speak to anyone on the phone. this has gotten out of hand an their is no excuse for the neglect equifax has shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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