BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2017-07-12
Company: Medical Business Bureau
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2017 I received an alert from XXXX XXXX XXXX that a collection was added to my XXXX and XXXX credit report. I have never received a dunning letter from this company to validate or dispute, the account was just added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: BARCLAYS BANK DELAWARE
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:
XX/XX/XXXX Fraudulent use of my Barclays XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with Barclay. Assured that Barclay XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX Barclay Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee Barclay XXXX Mastercard reverses fraudulent charges BUT Barclay reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to Barclay XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with Barclay XXXX Mastercard to XXXX and awaits response.

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 2017-10-01
Company: ORG GC GP Buyer, LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I submitted a complaint # XXXX. I submitted this complaint to request that CFPB help resolve, help bring awareness and help bring relief to a very serious, and now illegal, issue .XXXX XXXX XXXX was and is garnishing my wages for over a year now. they have never offered any XXXX/Student Loan forgiveness or forbearance to me at anytime. At the time of the first complaint I had no correspondence from the loan agency, XXXX XXXX XXXX claim they are collecting for, for over 5 years. ( I am XXXX years old, I graduated in XXXX. ). Prior to this I was told by the loan agency that I should wait for a reply to my multiple request tor XXXX and/or Student Loan Forgiveness, Forbearance, etc. 
A year ago I received a letter stating that my wages would be garnished. I was not given a hearing to attend on this matter of over {$25000.00} and no legal rights to state my opinion or provide proof of evidence in the matter.to the judge at this hearing. 
I then saw that money was taken from my pay on the statements without documented calculation, pay schedule, etc. AND IT IS STILL BEING TAKEN ( I do not even know the amount until after it is taken ... ... .each week ). 
I was told that there is a CLASS ACTION LAWSUIT against companies that are garnishing monies from prior students without the option of forgiveness or forbearance, etc ... XXXX 
I will be sending CFPB presented documents as I continue conversations to be included in the lawsuit where ever I am directly connected. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX - - letter to XXXX XXXX XXXX, CEO of Citizens Bank regarding offer of CD at 1.75 % and/or 1.50 % ... attempted to open CD as per the print advertising, but could not. ... ... <P/>XX/XX/XXXX - - spoke with a XXXX XXXX of Citizens Bank at XXXX XXXX who informed me that he would research the matter ... .The matter is that the offer as presented fails to mention that the customer needs to have {$25000.00}. on deposit with Citizens to get the premium CD yield ... <P/><P/>XX/XX/XXXX -- wrote another letter to CEO XXXX XXXX pointing out the incompetence of his XXXX XXXX in resolving the situation ... <P/><P/>XX/XX/XXXX -- a third letter to CEO XXXX stating that XXXX XXXX had offered me a CD at 1.25 %, but failed to relay that information to the branch ( XXXX ) staff where XXXX XXXX is the branch manager, and XXXX XXXX is also in a supervisory capacity .... <P/>XX/XX/XXXX -- I receive yet another advertising piece ( two in fact ) offering a CD, and again no mention of the absurd minimum to be maintained to avoid monthly charges.
A curt email was also sent to the CEO and the two local officials about the new marketing post cards .... <P/>THIS IS SIMPLY A BAIT AND SWITCH situation wherein the public is the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Navient Solutions, LLC.
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:
I requested the copy of the original note I had with Navient. Navient is providing incorrect information to XXXX XXXX XXXX and refinancing amounts that it is impossible I owe. Navient refuses to provide a copy of the note, amounts owed, how it was calculated and the amortization schedules I requested via certified mail. Instead, they send me letters to swear that I do n't have a loan. I do n't understand why Navient ca n't provide this information to me but they easily provide a document to XXXX XXXX XXXX swearing a certain amount is owed but they can not provide the supporting documentation to me. Now XXXX XXXX XXXX is overcharging me due to Navient 's incorrect information and refuses to correct its documents and provide the documents to me so that I can correct their error. This is causing me to owe thousands of dollars I am positive I do n't owe. I am a XXXX for XXXX XXXX for over ten years and this is taking money away from my own children. Please let me know what Navient discovers and/or provides regarding my note, interest owed, calculations, etc. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a hard enquiry on my credit report. I got notification from XXXX XXXX that a hard inquiry was made by CAP1/XXXX  XXXX XXXX CAPITAL ONE, XXXX, VA XXXX XXXX. I have never applied for this credit card. 
Based on my conversation with CapitalOne customer care, it seems that request for credit card was denied. 

I'm curious how someone could open an account with all my details without me. I also wanted to know the documents which they have submitted for the application so that I know what all my information have been compromised. This information was not provided by CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : 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 2017-09-29
Company: Experian Information Solutions Inc.
State: NJ
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 There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Experian is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

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 2022-03-19
Company: The Levinbook Law Firm, P.C.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several months ago, I went to an urgent care facility to take a XXXX test, which was required for work. I had asked the receptionist whether the test that was going to be administered was par with my insurance, and she is assured me that it was. Weeks later, I received a letter from sad establishment indicating that I had a bill in the amount of {$920.00} for the XXXX test that was taken. I was under the impression that XXXX  tests were covered by my insurance and that the testing facility that was used was par with my insurance, making it a free test. The creditor, XXXX XXXX lab was apparently, not par with my insurance and sort to charge me the above amount. They have since saw the help of legal aid by way of the The Levinbook Law Firm P.C. to collect on my supposed debt. I have told XXXX XXXX XXXX that I was unwilling to pay the debt because I was told that the insurance was par with their facility. So, I am still unwilling to pay any debt that is owed. I hope that you can help in this matter, as it has caused me great stress in my older age, and in my retirement. I have limited funds, and XXXX not in a position to pay close to {$1000.00} for a test that was supposed to be free. 

The date of service was XX/XX/2020. 

Persons to contact at the law firm are XXXX XXXX XXXX, and XXXX XXXX. They can be contacted at ( XXXX ) XXXX and toll free at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Atlanticus Services Corporation
State: CO
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:
I paid of my debt with Fortiva in whole late 2019. Since that time, I had not used my card for any means. Then in XXXX I had received notification that I had a balance due over {$500.00} and I called the company and they had shared the transactions. I reported them as fraud and they transferred to a number that does not pick up. I called customer service again and they gave me " the real number '' and the fraud department emailed an affidavit to fill out and return via email or fax. I returned it immediately with the details regarding the fraud charges. Since that time, I have not received any notification of receipt for that affidavit or the 5 that I have sent via postal carrier. Although, I did receive a letter in the mail that my account has now been terminated due to breaking the account agreement upon signing up with them. My credit score has dropped over 100 points due to this and I am no longer to close on the property that I was attempting to before all of this had occurred. All I want out of this is my account to be settled with Fortiva and back to normal and there will be no harm done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX , OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: SC
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:
Hey, Hope  all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2022-03-19
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is through New Rez and my homeowners insurance is through XXXX. New Rez did not pay our mortgage insurance premium and we were not notified by either party. We contacted XXXX to find out what happened and they said they canceled our policy and that they will not open it back up with New Rez because of the frequency and number of late and no payments from them. They said we can restart our policy but it won't take affect until XXXX. We currently have no mortgage insurance because of this issue. I attempted calling New Rez XXXX times yesterday and sent a message via their site and have not been able to contact anyone. Under article XXXX, they are not in compliance and I want to pursue damages and a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
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: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to Equifax, XXXX and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: FISERV INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a payment arrangement with XXXX and I used my checking account information for the payment. I have had this account for more than five years. I use the routing and account # for electronic payments all the time. My payment with XXXX was declined saying they would not accept due to information from Telecheck. Knowing I do not have bad checks out there, I call Telecheck who states they declined my payment, defaulting my arrangement because I had not had any transactions with them. I feel this is ridiculous. I can see blocking my payment if I had bad checks but not because my transactions have not gone through tele check. Telecheck needs a different way to verify if someone authorized something other than denying needed payments. Now I am told I can not pay until their system refreshes and she did not know how long that would take but I need to submit the payment now.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: TX
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:
n 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 : It also states a consumer reporting agency can not furnish a account without my written instructions n accordance with the Fair Credit Reporting act XXXX  Account XXXX 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

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 2021-04-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I did not consent to, authorize nor benefit from any of the following inquiries on my credit report. Block and Remove I am also attaching a copy of my FTC report that I filed as well for Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
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: Information belongs to someone else

Complaint:
I have contacted the credit card company on several occasions. On XXXX XXXX, I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XXXX I was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 from XXXX and one from XXXX XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months! <P/>I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!

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 2022-03-19
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: Account status incorrect

Complaint:
Hello CFPB, I had XXXX accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, Equifax and XXXX continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you

Company response to consumer: Closed with explanation