BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2017-07-21
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This business Third Party debt collector Federal Adjustments Bureau Company reported an alleged debt due owing to them. According to my to my records they have never been a creditor of mine and upon severaI request I asked and demanded verification and validation for the debt owed to them as well as the credit bureaus but no changes have been made. I noticed this company intruded into my personal credit file without my authorization, which constitutes a negligent violation. In reference to this matter I 'm requesting that Federal Adjustments Bureau Company be removed from my report. I have no legal binding contracts or agreements with this business.
Federal Adjustments Bureau Company acct. # XXXX {$3100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX of 2022, a balance transfer was completed from XXXX XXXX to Citibank on my behalf. I had the amount of {$3200.00} paid to Citibank from XXXX XXXX. The balance transfer was posted to the Citibank account before the end of the billing cycle. Unfortunately for me, Citibank is charging me {$40.00} dollars in interest on " standard purchases '', yet I haven't purchased anything with the card since the balance transfer, and the card doesn't carry a balance because the balance was paid in full. The card doesn't have an annual or monthly fee, so this amount they are charging me isn't a fee just for having the card. It's literally interest on purchases, which I should not have to pay if I had a {$0.00} balance on the card. I contacted Citibank about this on XXXX and XXXX and both times they refused to work with me in reversing the charge and insist I have to pay the {$40.00} in interest on a {$0.00} balance. I've done balance transfers in the past and never had this problem before, as long as the balance is paid in full before the end of the billing cycle and the account doesn't carry a balance into the new billing cycle. I'm so frustrated with Citibank. Their customer service is awful.

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 2022-01-27
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax and XXXX is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. Equifax and XXXX says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
navient indicated that my due date is on XX/XX/2022 ; however, student loan payment pause was extended through XX/XX/2022 ; also loans removed from default status

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX is the amount they owe XX/XX/2022 they still haven't closed this 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 monetary relief
Consumer complaint received 2017-07-25
Company: EQUIFAX, 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:
Please see the attachment for my direct deposit check stub from XXXX XXXX XXXX XXXX XXXX. Be advised all of my creditors was payroll deducted. Wage earner was {$130.00} a week. Health care was payroll deducted, flexiable spending. Please notice my net year to date at the end of the year was only {$330.00}. My gross at the end of the year/year to date was only {$650.00}. Yet I made {$20.00} an hour end of the year of XX/XX/XXXX. And you tell me my identity was n't taken as a human being. This company was taking everything from me. Taxes was n't being reported to the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act i believe XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a 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 2022-06-13
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Yes my Barclays credit card has been given to me XX/XX/2022 I used the card account and everytime the alert for purchases popped up I clicked I authorized them then all of the sudden they said for me to call because they thought fraud on the account even though I authorized it like I was supposed to do i I called XXXX times and was told I could use it that it was fixed now I still can't use it this is ridiculous they have done it before to me and I couldn't use the account for over XXXX  months I want this fixed

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 2022-10-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 XXXX Data breach and may have got into the hands of the wrong person.

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 2015-11-03
Company: Recovery One, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX with Recovery One has called me many times in the past months from tapping into my inlaws phone nubmers as well as other deceiving phone numbersShe and her staff have been harassing and threatening to me multiple timesI have been making payments on the amount owed. 
I told her today I would make a payment of {$500.00} on Friday and she could go ahead and take the pre payment today and hung up on me told me to never call back again she would just sue me. 
I am working towards paying off the debt as much as I can but I have received no cooperation from this company. Only hateful phone calls! I am hung up on and threatened with a lein on my home, being sued, calling all my family members as well as personal friends. I have not been told when they call me they are with a debt collector to collect a debt either. I want to continue to finish out my payments with good standing. I want to pay the account in full as soon as I can. I am having no luck with this company and no cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: MS
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, Dept of EDXXXX  # 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  # xxxxxxxxxxx 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.

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 2021-02-02
Company: Resurgent Capital Services L.P.
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with XXXX twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
XXXX did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.

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 2022-06-13
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXXXXXX XXXX XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3 Validate Account XXXX  Account Number : XXXX Please remove it from my credit report XXXX Account XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX  Account Number : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
As follow up to complaint XXXX, I have had my money misappropriated by Capital One. I have repeatedly informed them that I did not want any of my money in my XXXX  sent to XXXX XXXX XXXX  They provide wrong information to XXXX with regard to transferring my accounts, resulting in last minute efforts to get paperwork. XXXX did secure one account, and I provided follow-up paperwork for the second last XXXX 

I sent emails demanding Capital ONE XXXX either close the account and send me a check or send it to XXXX. Despite these repeated requests, they misappropriated {$5300.00}, sending it against my wishes along with my information to a notoriously unreliable company. This should have been a simple matter, but through XXXX XXXX incompetence, misleading statements and outright lies has caused me not only to waste an enormous amount of time but has damaged my health with the severe stress. 

I want legal action and need to help to prosecute them for their malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke to an agent and let them know that my wife has lost her job around XX/XX/2020, around the time XXXX said that those who were not able to pay should contact their company ( mine being PennyMac ). I spoke with the agent letting them know that I would not be able to make the payment because I had to take care of my family since I was the only one who had any income at the time. I said I would not be able to pay until my wife got a job and had additional income, when I spoke to the agent and told them this they accepted. I had applied for forbearance and was approved. I had already paid for XX/XX/2020 did not pay XX/XX/2020, XX/XX/2020, or XX/XX/2020. I finally was able to get money to start paying again in XXXX so I called PennyMac again and told them that I would pay, the agent told me not to pay because I had to sign and notarize some paperwork, I did that and sent it back. When the agent received the paperwork the agent called me and asked if I wanted to pay the full amount upfront that I missed or if I wanted to pay at the end of my mortgage which meant that instead of 30 years it would be extended to 30 years 4 months for the missed months. Since I did not have the funds for the full amount I selected the end of mortgage option. The agent accepted and took the payment. I went ahead and made my payments after that I saw the normal price and an additional one which I found out was a lien on my home at a later date. I was in the process of refinancing my home and someone explained to me that I had a lien placed by HUD for about XXXX on the home that I was not fully aware of. On top of that, I am being charged a daily interest of XXXX per day on the home to pay it off before refinancing. When I refinanced with PennyMac before my cost was around {$100000.00} after paying for about 2 and a half years the cost has gone up past XXXX and I do not think that is right for me to be charged all this money unnecessarily when I spoke to the agent and had the understanding that the missed payments would extend my loan period by 4 months. How did I end up with a lien? Now I'm being overly charged just to try and leave this company. I am still dealing with the effects of the pandemic and this is not making life any easier. Not when I have done everything I can to not get myself into a more financial bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Credit Service International Corp
State: WI
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 credit report showinging collection agency Credit Service reporting I owe XXXX XXXX XXXX. I nevero opened or had an account for such services in Texas. I never had or did business with either of these companies

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
there are unauthorized inquiries for XXXX XXXX  on my report. The credit bureaus allowed them to get my information now someone has a credit card in my name and now I am a victim of identity theft because they pulled my reports without my consent.

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