BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: IL
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:
A bankruptcy discharge was added to my credit report and the following was not sent to be before being put on my credit report Under the FCRA, your creditor and any other information supplier : must not report to a CRA any information about you that it knows -- has reasonable cause to know -- is inaccurate has a duty to promptly update and correct any inaccurate information that it previously supplied to the CRA must tell you about any negative credit information it reports to a CRA within 30 days must notify the CRA when you voluntarily close an account with it, and must maintain a reasonable procedure to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ordered all  XXXX  credit reports to check my credit I needed a loan and they were saying that my scores were too low. After receiving the report I found many accounts under my ssn but I had received a letter from  Office of Personal Management  stating that their computers had been hacked then my husband was killed and a Bankruptcy was filed. I was in no way able to function because of this.   on    XX/XX/XXXX    I sent a letter to Wal-mart asking them to send me Pursuant to the the Fair debt collection Practices Act. " validation " that is competent evidence bearing my signature on the contract. I asked that they get back to me within 30 days and for them to contact the credit reporting agencies that I was disputing this. I was not contacted within the 30 days and it was not reported on my credit report as being disputed. I sent a second letter on   XX/XX/XXXX   and again   XX/XX/XXXX  . They never sent and thing except a letter saying they had transferred the account to a different company. The letter were all certified and with return receipt requested which I received. I   XX/XX/XXXX   I got a new credit report still wal-mart had not reported the card disputed. on   XX/XX/XXXX   I sent a letter to all  XXXX  credit reporting agencies asking for the same information at that time a dispute was put on the account but they did not not send me any information for 60 day under the  FDRC  they only have 30 day when i got the letters back the simply said it was validated. who Validated it and how was it validated? I have asked  4 ti me for the information and they will not send it to me. If they do not have a contract with my signature on it then it is not mine and I want it removed from my credit 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 explanation
Consumer complaint received 2017-05-22
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fe  dLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount du e, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX loan was transferred to XXXX. According to stipulations of class action lawsuit against XXXX, XXXX should have cancelled my student aide debt and removed from credit report instead of transferring amount to XXXX! 

I qualify for loan forgiveness and removal of loan information from credit report due to the XXXX class action law suit settlement. I was pushed to forbearance for many years and was never properly counseled regarding income based repayment plans upon multiple calls to XXXX. A total of {$9000.00} plus of student loans should be forgiven and removed from my credit history due to XXXX 's predatory practices. " The 39 state attorneys general involved in the settlement said XXXX, formerly known as XXXX XXXX, steered struggling student loan borrowers into costly long-term forbearance plans instead of counseling them about the benefits of more affordable income-driven repayment plans. The interest that accrued because of XXXX practices was added to the borrowers loan balances, pushing borrowers further into debt. ''

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions 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:
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, Experian ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: CAVALRY INVESTMENTS, LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXXXXX  & Attorney XXXX XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. XXXX XXXX XXXX ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.

This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2015-05-21
Company: Financial Credit Service, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Asset recovery calling saying i am under an investigation and the gentleman is a special investigator. They do not give what company or debt this is. They call and harrass my XXXX year old mother and call my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: PNC Bank N.A.
State: MO
Product: Credit card
Issue: Delinquent account

Complaint:
PNC Bank and XXXX bank ( XXXX of which I have credit cards for ) are saying that I am responsible for XXXX dollars total value of charges and I know for sure I did not make them. No matter how hard I try to dispute and file for fraud, they are not doing anything. I need your help to get rid of these charges so that I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I have been overcharged {$1000.00} on my Capital One credit card for a taxi ride from XXXX XXXX XXXX, billed on XX/XX/2022, for an approximately XXXX km ( XXXX miles ), XXXX taxi ride from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) to XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX ), near XXXX XXXX, XXXX, XXXX. 

Facts : 1 ) The card was given to the taxi driver to pay for the XXXX taxi ride, but the AMOUNT charged to the card, {$1000.00} ( XXXX euros ), was an overcharge, grossly in excess of the regulated XXXX XXXX XXXXXXXX. The XXXX taxi ride should have cost about XXXX euros ( {$12.00} ) ; taxis are licensed and regulated in XXXX. 

2 ) Capital One immediately detected the charge as being potentially fraudulent and sent a text notification to my phone at XXXX PM XX/XX/2022 ; I responded to the text with Yes, indicating that the amount of the charge was not valid. 

3 ) As instructed by Capital One, I formally disputed the transaction ( Capital One case number : XXXX ) when the charge posted, subsequently sending two faxes, 6 pages on XX/XX/2022 and 3 pages on XX/XX/2022, fully documenting that the taxi fare should have been around {$12.00}, and that the transaction had been overcharged. 

4 ) However, Capital One has now decided that the charge is valid, BECAUSE the taxi driver claims that the charge is valid, because a card with a chip was used to pay for the transaction.

5 ) The taxi driver has NEVER justified the amount charged, presumably because in doing so, he would be admitting to fraud, because XXXX, XXXX taxi fares are regulated. Consequently, Capital One still has not resolved my overcharge billing dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I am writing regarding a total sum of {$880.00} in missing funds that we are trying to reclaim from Citizens Bank, and I am seeking a resolution to have these funds returned to us. The missing funds are due to a series of problematic withdrawals that Citizens Bank had made to our account. 

The earliest is a transaction from XX/XX/XXXX, where {$880.00} has been subtracted from our escrow account with only the description " Misapplied Funds ''. This is likely stemming from another error that Citizens Bank had made last year, where they actually sent a homeowner insurance payment to our insurance company XXXX from another bank customer 's account. After working with the insurance company to get the funds returned to Citizens Bank so that they can repay the other bank customer, it seems like Citizens Bank ended up withdrawing this amount directly from our account, instead of using the returned funds that they should have received from XXXX. 

The second is a transaction on XX/XX/XXXX, for a total of {$910.00}. This was supposed to pay for our quarterly property taxes, but our Department of Finance had never received this check, and hence we ended up being charged a late fee of {$6.00}. Citizens Bank had finally refunded us the missing {$910.00} on XX/XX/XXXX, but we are requesting a refund of the late fee that we had to pay due to Citizens Bank 's negligence. 

The last transaction is also on the date of XX/XX/XXXX, where our escrow account listed that {$6.00} in taxes had been paid, but on our local Department of Finance payment history website we found a matching payment at {$6.00}. We are willing to subtract 2 cents from what Citizens Bank owe us due to this. 

Summing everything, we're owed a total of {$880.00} + {$6.00} - {$0.00} = {$880.00}. 

We have repeatedly reached out to Citizens Bank in the past regarding this issue but unfortunately our efforts have not been met with a resolution yet. We have sent them our row-by-row analysis and cross-reference of our escrow account 's transactions, along with our properties ' public payment history records from our local Department of Finance website . We are hoping that filing this CFPB complaint can help us resolve this issue. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: SC
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:
Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA.

Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor.

In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint. 

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My daughter got a loan from Sallie Mae for her student dept. I co-signed with her on these two loans. Total amount of both loans were around {$7500.00}. XXXX XXXX she had a child. Her payment date was around the same time she was preparing to go into the hospital to deliver. Fast forward .... For 3 solid weeks, I have received harassing calls from Sallie Mae ... to the point of having four to six calls a day from three different numbers. I work nights and have to get my rest. i am an XXXX XXXX and work with XXXX that ranges from XXXX volts up to XXXX volts. She was only behind by {$100.00}. I finally got the opportunity to call SM and speak with them. I told them that I was not happy about them putting my life at risk by waking me up four to six times a day for {$100.00}. I sent them a letter back XXXX 2017 time frame requesting them to not call me, that by Ga law if I notify them in writing that my employer does not allow us to take personal calls while at work, they are not to call me. I told them that it is completely unacceptable to endanger my life for {$100.00}. I asked them if they felt my life was only worth {$100.00}? They were extremely rude back and I hung up. I contacted a lawyer on this matter and he advised me to file an official complaint for harassing phone calls against Sallie Mae here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi my name is XXXX XXXX and I'm a authorized user on my husband XXXX XXXX XXXX XXXX card but I disputed it because it had the wrong credit score I didn't want them to remove my account from transunion I want them to put it back like it was without charging me a fee 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