BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
Dear CFPB, My rights under the fair reporting act have been violated By Experian XXXX XXXX Bank and XXXX XXXX XXXX XXXX, i unsuccessfully disputed two accounts on Experian which are XXXX XXXX Bank and XXXX XXXX XXXX XXXX. XXXX  XXXX bank claims that i owe them {$870.00}. I requested an original contract between me and XXXX XXXX bank with my name, and signature on it by they failed to do so yet Experian still tells me that account came back as " Verified ''. I requested to know the method of their verification and they failed to send it to me. I spoke with Experian customer service on the phone on XX/XX/2019 at around XXXX and asked him the method of verification and he claimed that XXXX XXXX bank verified and i don't have a right to see the original contract and even thou they don't have it it still doesn't mean anything. I informed him that the phone call is being recorded and he agreed to that. I asked to speak to a supervisor and he refused to do so. his name was XXXX. I clearly told him that i want a real investigation not just repeat what XXXX  XXXX bank says. I finally came here to find a solution for this problem because i tried to fix it multiple times with experience yet they failed to so. The last letter was sent to them on XX/XX/2019 and i have the receipts. 

My problem with XXXX XXXX XXXX XXXX is even worse. My problem with them started almost two years ago when i was surprised by them after trying to finance a Vehicle and getting turned down because they claim that i owe them {$600.00}. I called them and asked them what is this for and they say it is a medical bill. I sent Experian three letters the last one was one XX/XX/2019 to verify and this contract and to show me what treatments i have received or where is the original contract that is signed by me but they failed to do so yet, they still tell me its verified. i want to know there method of verification and i also want a copy of the original contract as well as all of the treatment and services that they claim that i received from them. 

Please CFPB, Help me solve this issue as my rights have been violated and only you can make this Fair.

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 2016-10-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had checked with XXXX on XXXX XXXX as I prefer to stay on top of my reports and then again on XXXX XXXX to find that I had over XXXX inquiries. My signature is not on any of these authorizations except XXXX I did not give my permission. I had called and spoke with numerous representatives who just assume hang up on you or tell you repeatedly that they can not help you with the Inquires. It also tell me that no one was affected by the glitch which was on all new channels even with proof in hand and they flat out absolutely refuse to connect with supervisor or anyone in the American offices to handle this matter per your request after XXXX + calls I gave up None of the reps were remotely helpful or even knowledgeable some knew and some would more or less say it sucks to be you and too bad

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I purchased a lawnmower from XXXX in XXXX AlabamaAlso a air conditioner The lawnmower broke down three weeks after Ipurchased it returned it to be repaired never seen it again called severaltimes they finally brought me the wrong mower I refused it was not theone I purchased it was used and older The air conditioner I gave back to theretheir collections manager or whoever that guy is that beats down doorshe refused to give me a receipt that he took it also he broke my screenby forcing it when it was locked to put a note in my door They have puta charge off on my credit {$1100.00} and that is false they never could findmy lawnmower and they refused to tell me what they resold the airconditioner for all I could possibly owe them is the remainder of the airconditioner minus what it sold for I want them to take this off my creditas it is fraudulent reporting their credit manager XXXX needs to beterminated as she is trying to scam people like me.I have wrote thecompany XXXX times no response they filed a law suit 2 years ago forXXXX and never followed up on it because I will so countersue so manydifferent amounts none coenside with another

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has blended the credit report of family member with a similar name and social security number with my credit file. They have been provided with the correct information and acknowledge that a mixed file has occurred but have refused to separate the XXXX files and deleted the accounts and inquires that belong to this person. I have filed several disputes with them over the last several months with no success of getting this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Foris DAX, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is XXXX XXXX I need to take away all my assets away from thief 's like XXXX XXXX, XXXX XXXX and whoever has control of my assets.I need immediate help, legal action must be taken.I need my attorney immediately.Also need to press fraud charges on the people in doubt. 
My contact number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA

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 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is XXXX public record from the collection agency that I have no knowledge about it. They are inaccurate on my credit report which affect a lot on the credit score since XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX 2015 I called Equifax in regards to my dispute results I received. I spoke to a customer service representative in regards to the outcome of my dispute regarding errors in delinquencies on my student loan accounts. Equifax did nothing to fix the issue, only verifying the debt as belonging to me. I submitted documentation to support my dispute. I was told by the Equifax representative that she was unable to read the documentation I submitted supporting my dispute when I was on the phone. I was given no correspondence that the documentation was unacceptable or they had an issues previous to our phone call. The documentation I provided supported that errors existed on my report. Equifax has an obligation to fix these errors, no just verify my debt. I know it belongs to me but there are errors I need fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I opened a credit card account with Macy 's and waited for my 1st bill, it was delivered in XXXX 2015, quite late with little notice. It was due within two days, so I called the number for payments and made a payment in full for XXXX for my XXXX purchase. I got a confirmation number of XXXX. Today, XXXX/XXXX/2015, I received a call saying they never received my payment and I am 2 months late. She says they have been mailing notification but I have not received anything. The bill is reported as late and in collections and they are charging me fees on top of this. They are using an address in SC. I have called this morning 4 times and am still on hold this is because they are busy??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
They are reporting some title loans that I have never Tooken out and they are rejecting all of my credit applications due to this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My wife received an email from Capital One on XX/XX/2022 that was for me that a checking account was opened. I called Capital One and told the representative that I didn't open an account. I gave her my name and she said, an account was opened on XX/XX/2022. I said, you need a social security number to open an account say replied yes. I asked her what the number was and she asked me for my last XXXX numbers of my social security I told her the numbers and it was my last XXXX numbers of my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in repayment of my student loan for almost 4 years now. Over this time period there have been many occasions in which I made payment but still received collection calls. After the first call I resolved the issue ( or so I thought ) but still receive repeated calls with the explanation that they ca n't stop calling until they resolve the problem. I receive calls every few hours with no end even after wasting hours in the beginning sorting out the issue. I believe the only purpose of the calls is so they can have a record that they attempted to collect the debt, not to actually help resolve the problem. I understand mistakes are made but this has happened multiple times without any apology or attempt to resolve the issue. If the error is the fault of the company I should never receive another follow up call if it 's taking them time to resolve. There was one situation in particular that I had to deal with a month of harassing calls every few hours daily because Citibank deposited my payment into the wrong account and they were unable to resolve the problem expeditiously or take me off the call list.

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 2022-03-26
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially received a letter from Navient in XXXX saying they are putting me on a loan deferment even though I had never requested this. I contacted them in XXXX and told them I wanted to continue to pay my loans as scheduled and not be on deferment. They said they would reinstate my on my loan payment plan but now are charging me over {$30.00} dollars more per month ( ~ {$450.00} vs ~ {$420.00} ). 

My unpaid principal is {$54000.00}, my remaining # of payments is XXXX, and my interest rate is 1.75 %. Based off a loan repayment calculator, my monthly payment should be {$420.00}. This amount is about what I have been paying for the last 18 years! 

I'm not sure where Navient gets off charging me an extra {$30.00} dollars per month as I've always made my payments on time for the last 18 years. Your help is appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Paid total balance due on XX/XX/2022

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 2022-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern ; On XX/XX/XXXX I asked Experian to verify that all information they are reporting on my credit report regarding Account # XXXX XXXX XXXX XXXX XXXX was verified and accurate. On XX/XX/XXXX Experian responded with the following : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. " After obtaining a new credit report on XX/XX/XXXX, I noticed the Balance updated date was XX/XX/XXXX and status updated was XX/XX/XXXX. Experian failed to do a proper investigation of this account and failed to verify the accounts accuracy. In accordance with the Fair Credit Reporting Act, Experian 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, 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 2020-03-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at XXXX but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.

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 2022-03-26
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
I was put on as an authorized user in XX/XX/2021. After I saw the negative affects of being an authorized user, I was swiftly taken off as an authorized user XX/XX/2021. I filed a dispute with XXXX and they said they resolved it but the credit card still appears as open on account with the debt still there and has not been updated off of my account. This is hindering me from getting my own card and also bringing my credit score back up. I confirmed with Apple and they agreed that I was taken off XX/XX/XXXX and now it is about to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a " minimum payment due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-18
Company: CITIBANK, N.A.
State: CA
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:
Citibank lowered the credit line on my Mastercard from {$4000.00} to {$3300.00} for no known reason. I have paid every payment on time, all my debt is current, and I am not in default on any credit account This action is the as the result of one or more of the following events : I am XXXX  I am a male I am a XXXX I am married to a woman I am over XXXX years old There is a Shelter in Place in the County where I live.

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 2022-08-26
Company: First National Collection Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This debt collection company sent me a text message at XXXXam CST on XX/XX/2022. I have saved the text message as well as taken a screenshot that includes the time received time stamp.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: NC
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 recently applied for a Business Credit Card for my Corporation and I was denied. The Bank said it was due to accounts reporting negative and lost multiple inquiries. 

The information that's on my consumer report is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Nor have I personally owned or used any of the accounts. 
Multi of my Consumer laws where violated violated Section 603 ( p ) states they must notify me and never did about negative accounts on my report. Violated 623 ( a ) ( 6 ) Incorrect info was never changed.

ACCORDING TO 15 USC 1681 Section 602 ( A ) My right to privacy.

Section 604- I never gave written instructions to share my information. These accounts are fraudulent XXXX XXXX XXXX  XXXX # XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX # XXXX AMOUNT {$8000.00} OPENED XX/XX/XXXX Plus there are 4 inquiries on my account from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am not able to service my account with capital one and now one knows why I've called customer service like 4 time and no one was able to help and was told they will submit a ticket to see what's going on with my account and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed this misleading information Equifax removed it back in XXXX or XXXX of 2015. Then they reinserted XXXX different public records on the same day in XXXX 2015. I sent them copies of my identity theft report and they removed XXXX items. This is frivolous credit reporting by Equifax. How could they dis- regard the identity theft report I sent them twice. This is very stressful, and costing me a lot of money in extra high intrest rates. Please help!!!!!!!

Company response to consumer: Closed with explanation