BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My online bank Capital One has reversed three credits w/o advance notice and I cant even find one of the charges when I go back looking for it. I think the charge may have been made while I was using a different online bank. Capital one said I was credited twice, once by the company XXXX which I remember and once by Capital One which I do not remember. Shouldnt I be able to access the time period in my account online so I can see for myself?? Thank you respectfully signed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX we were working on doing a cash-out refinance to pay of credit cards amongst other things. So the finance company wrote out checks to all the creditors and we verified their mailing addresses and sent out the checks. The only one we did not send was the XXXX Jewelers as we had more than paid the amount owed of {$4800.00} and some ( {$5400.00} ). The {$600.00} was returned by XXXX as it was {$7.00} dollars short of the total and eventually paid the collection agency XXXX XXXX XXXX  ) {$610.00} on XX/XX/XXXX. The check for credit one was sent out and when I check what happened to check it was received by XXXX but somehow ended up at a XXXX XXXX bank where it disappeared ( checking with XXXX XXXX tomorrow why a check with the payee name of XXXX XXXX was cashed or deposited at their branch and not to the account written on the check itself ( as requested by XXXX XXXX  ). So now we have to collection agencys that have the same XXXX XXXX XXXX  contract which was paid of in full on XX/XX/XXXX to XXXX XXXX XXXX Now I have a company called Cavalry Spv 1, LLC coming after me for the above mentioned XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 am submitting this CFPB Complaint today to follow up the previous complaint I submitted on XX/XX/2022 requesting the Credit Bureaus to delete the dispute items. I have been asking for the Credit Reporting Agencies to provide me copies of proof of verification which until now, they have failed to do so. Under the Fair Credit Reporting Act, the Credit Reporting Agencies must correct my Credit File by either updating the disputed accounts to turn possitive or by completely deleting the dispute accounts from my Credit report. Once again, I am requesting that the Credit Bureaus remove the following disputed erroneous accounts completely from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-03-14
Company: CITIBANK, N.A.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found three credit cards in my name but never saw before a couple weeks ago, one was trying up for XXXX dollars!! I never saw the card it charged v anything in my life on this card I was XXXX in the hole now I am all the sudden XXXX I need help someone b is also b on my phone no matter what u do in can't get b him n of v my phone he switches all my settings turns on g pay in my name and also XXXX in my name I really need help n getting to the bottom of this thank you XXXX XXXX also been through 23 phone in ,2 years cuz he just b purse spam all over them

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 2022-02-18
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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX CORP-Date of XXXX XX/XX/XXXX XXXXate of inquiry XX/XX/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 2023-02-10
Company: EQUIFAX, INC.
State: IL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express contacted me numerous times at multiple addresses, against various state and federal laws. American Express contacted me in XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and XXXX. These contacts were made despite multiple requests with the XXXX Opt-out, the Federal Trade Commission , the XXXX XXXX Opt out , the XXXX XXXX  Opt-Out and direct requests made with the CFPB. I am so offended that American Express continued to reach out after multiple attempts. There company has failed to rectify the situation. If I was to make repeated contacts to an individual or to another business after repeated requests i would be jailed and probably charged with criminal charges. Yet, American Express has ignored all of the rules and contacted me throughout the past two years. Now they have stopped contacting me, yet i am still terrified of being contacted by others and am emotionally traumatized by the lack of remorse and empathy shown by AMEX. I have done nothing to AMEX and i repeated contacted after numerous requests not to be contacted. AMEX claims that they have fixed the issue, yet the past still remains with me and i am tortured by the thought that my formal and unaggressive requests to not be contacted were repeatedly ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2021 XX/XX/2021 XXXX and XX/XX/2021. I contacted AR Resources about this debt. I requested a HIPPA release form with the original signature as well as the Original signature on any MEDICAL bill. AR Resources has yet to send me proof of my original signature or the HIPPA release. AR Resources and the credit reporting agencies are in violation of federal laws. I am requesting that my name and information be deleted from this company. They have placed 9 negative marks and comments.I have also filed disputes with all of the credit reporting agencies including the FTC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts to my credit report without my requesting it. This is a violation of FCRA regulations.

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 2022-09-09
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check from XXXX XXXX XXXX XXXX in the beginning of XXXX for a auto loan and deposited it in the person who I was buying the car from account. A issue happened with receiving the car and the owner wired the funds to my account with Truist Bank. The check is a legit check that I am currently paying a loan on, I already submitted documents to Truist Bank that everything is legit and this is going on 2 months and they are still holding my funds and not giving me any answers. I would like to know when will this process be finished because I need my money and I feel like they are taking advantage of me and robbing their clients. My next steps will have no choice to take this up to the Attorney General, the XXXX XXXX and XXXX, because this is not fair and a injustice. I feel like I am being discriminated against for putting a large sum of money in their bank. If they do not want me at their bank, then just give me my money back and close my account, but to hold my money without any answers or communication is an injustice and not right. Please let me know what you can do because I am being taken advantaged of and robbed.

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 2017-06-19
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In short a company ca lled ARM Solutions is trying  to collect a {$65.00} debt that they claim is owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The {$65.00} was paid months ago, but ARM Solutions keeps sending me notices.  <P/> Timeline  XXXX  -  XXXX   -2017 - I fil led for  XXXX  different service requests using my home warranty,  XXXX   XXXX ,  XXXX  for dishwasher and the other  XXXX  for the fireplace.  <P/> Within the next week - The dishwasher repairman arrived and fixed the dishwasher. I did n't pay him the {$65.00} deductible because I did n't have any checks or cash and he said I could pay the home warranty company on their website.  <P/> Within the next week - The plumber arrived but said that fireplaces were n't covered by my warranty. My spouse paid him {$65.00} in cash for the deductible.  <P/> Within the Next week - I complained to  XXXX   XXXX  for sending a technician and charging me for a service that they did n't cover. They agreed to refund the {$65.00}.  <P/>  XXXX  -  XXXX  -  2017 - I receiv ed a notice from ARM solutions that {$65.00} was past due.  <P/> I called first american, they said they had n't issued me the refund yet because they were waiting on an invoice from the plumber for financial backup. I asked them to apply the refunded {$65.00} from the fireplace to the dishwasher deductible, they agreed and we settled the matter.  <P/>  XXXX  -  XXXX  - 2017 - I  received a second notice from ARM solutions that {$65.00} was past due. I contacted them and left a voicemail explaining the situation and offered to provide them written proof from  XXXX   XXXX . No one ever called me back.  <P/>  XXXX   - XXXX  - 2017 - I re ceived a third notice from ARM solutions that {$65.00} was past due.  <P/>  XXXX   XXXX   -2017 - I re ceived a fourth notice from ARM solutions that {$65.00} was past due.  <P/> I 'm now informing the CFPB so that I might receive help in getting ARM to stop sending me these notices. Not only are they a nuisance, but I am concerned they will notify a credit agency and it will affect my  credit score err oneously.

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 2022-09-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-06-19
Company: Clarity Services
State: MI
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:
Credit Report Inquiry on the following dates from Clarity Services  Inc. :   XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX   XXXX ,  XXXX  - Inquiry Type : Finance Reseller,  XXXX  Reports pulled/Inquired in little over 5 months, which I believe they are only allowed  XXXX  per calendar year even if from another company they are acting on behalf of. I called the company listed above about these report pulls and they had told me they are pulling the reports for another company and refused to provide this information unless I provided additional personal info to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am filing a formal complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This bank has been charging me illegal late fees every month since I opened the account. Every month I have paid my minimum balance due of {$42.00} early, and Synchrony Bank charges me for late fees. Then, adds the late fee charge to my minimum balance due. I have contacted them by phone and email on several occasions asking for a refund of the late fees. This abusive illegal practice needs to stop. I have enclosed copies of all the statements for my account which includes all dates and amounts of late fees charged from their website. Clearly exposing the accounting errors on their part!

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 2022-09-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX from XXXX I have a private student loan through navient. On XX/XX/XXXX state attorney Generals including Massachusetts have reached a settlement agreement with navient to pay {$1.00} XXXX in private student loan cancellation. Qualified borrowers that went to XXXX the loan must of been disbursed between XXXX. The student loan must be in delinquent for 7 months or more and I qualify for that I was delinquent from XXXX XXXX XX/XX/XXXX. My original loan came from XXXX XXXX and got transferred to navient. XXXX is supposed to notify borrowers in writing by XX/XX/XXXX but I have not received anything. Any time I have called navient and ask what's going on with the settlement they have no idea. They just said you have to wait or waiting a response from department of education which is load of XXXX. I want this loan to be wiped off my credit and don't need to be responsible for the loan.

Company response to consumer: Closed with explanation