BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I paid {$450.00} for my XXXX payment that was due on XX/XX/XXXX. I am trying to pay off my bills as quick as I can because of the uncertainty of the economy, I don't want to not have money to pay my bills. So on XX/XX/XXXX, I went back online and paid another {$750.00} to my credit card for the XXXX payment. Now I get a notice that they are charging me a {$29.00} late fee because the XX/XX/XXXX didn't count for the XXXX payment. Seriously? So by doing good and trying to pay my bills, they are penalizing me {$29.00}. This is fraud and bad business. The agent told me I paid too early. 

Yeah, sorry for paying too early, unlike your other customers who probably just stopped paying their bills.

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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-07-11
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Student Loan Debt was covered by Financial Asset Management Systems , Inc. ( FAMS ) from XX/XX/XXXX through XX/XX/XXXX. 
Acct Representative XXXX XXXX Date of Authorization XX/XX/XXXX Manager XXXX XXXX If insufficient Funds Contact at least 2 days prior Phone Number XXXX Ext XXXX Hours of Operation XXXX XXXX ( est ) **Told payments would be 80 % to Principal and 20 % to Interest Late Fees I reached out to Debt company covering my Federal Student Loan  and received the following response ( included in attachments ) : XXXX XXXX XXXX Fri   XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Re : United States Department of Education Dear XXXX XXXX : This is in response to your recent email to Financial Asset Management Systems, Inc. ( FAMS ) .

Upon review of our records, your account has been returned back to the U.S Department of Education. 
If you have any questions regarding your account, please contact the U.S Department of Education at XXXX. 
Calls to and from FAMS may be monitored and/or recorded. Financial Asset Management Systems is a debt collection agency. This is an attempt to collect a debt, by a debt collector, and any information obtained will be used for that purpose. 
Kind Regards, Financial Asset Management Systems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX Voicemail 24 Hours -- NEW LOAN Collector per MYEDDEBT.ed.gov was assigned to XXXX XXXX XXXX.I had been advised that my Debt was at {$33000.00} for principal even with paying past 6 years monthly installments at 80 % against principal and 20 % interest. Attached excel and PDF document ( from Federal Student Aid office ) shows I paid {$17000.00} USD from XXXX. All payments were applied to interest and fees ( nothing applied to Principal balance ). Principal balance did not start getting applied by my payments until my Federal Income Check was seized by government and only 30 %  of the payment of {$4900.00} was applied to the principal balance and remainder was applied to interest. I have been making $ XXXX  monthly payments since XX/XX/XXXX, and principal balance is only receiving 30 % verses remaining of payment going to interest and fees.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX XXXX XXXX due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX XXXX listed under page XXXX of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. On an XXXX report from XXXX dated XX/XX/XXXX under revolving accounts XXXX XXXX XXXX XXXX shows NO late payments ( See attached page from XXXX ). 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. 
Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had repaid XXXX University to a amount agreed by the school and myself. I made payment in full back in the early 2010. The accounts were closed and reported as paid as agreed to the credit bureaus. However, XXXX University has now filed both on my credit report as well as the US DEPT OF EDUCATION ESC as the account is opened with a new balance of {$4000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This erroneous and fraudulent information is effecting both my job and career as keeping my XXXX clearance is needed for my position.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
remove all negative items immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-04-30
Company: Experian Information Solutions Inc.
State: NJ
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 are a number of unauthorized hard credit inquiries on my credit reports. I did not make these inquiries. I have reached out to the credit reporting agency, as well as the companies, reporting the inquiry and have not been successful.. they each tell me I have to call the other to have the inquiries removed and I get nowhere.

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 2021-06-18
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From 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 2023-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting incorrect dates of negative items being opened. From XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For over a year I have disputed inaccurate information on my report. 
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 {$130.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is misrepresenting my credit profile and stopping me from obtaining new credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
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:
I do not think that an investigation was done because Experian is still reporting a late payment when I have informed them that I was never late. Please remove the late payment on account XXXX XXXX XXXX XXXX. My payments were deferred due to covid. Experian stated that this was verified when I sent proof that it is inaccurate. Please explain how this account was verified. You can not mail me anything because I do not have a permanent mailing address. Please send the documentation via cfpb. If you can not explain how you are reporting this account as such then I will be forced to take legal action due to violation of the FCRA. I am demanding that the late payment in 2020 is removed from this account. Please see the dispute letter that was sent last month which is dated and time stamped.

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 2023-08-18
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2023 we moved our home, auto, and umbrella insurance policies from XXXX to XXXX. XX/XX/XXXX, XXXX emailed us regarding our " ... upcoming policy renewal ''. On XX/XX/XXXX, we received an email with the following subject line " Your Auto Policy documents and insurance cards are available on XXXX ''. Because our XXXX policy was to expire XX/XX/2023, our new policy began XX/XX/2023. Despite having a new policy and alerting XXXX to this fact multiple times, including signing and submitting their policy cancellation document, XXXX continues to send letters requesting payment for an expired auto policy. Furthermore, if I understand the communications correctly, on XX/XX/XXXX ( also see attached letter dated XX/XX/XXXX XXXX XXXX fraudulently and without our permission extended the policy to XX/XX/2023. We never agreed to this and would never agree to having a policy with XXXX while we already have a new agent and agency. 

Today, XX/XX/2023, we received a letter from Radius Global Solutions LLC formerly XXXX XXXX XXXX XXXX, a debt collector who is " trying to collect a debt that [ we ] owe to XXXX insurance- Personal Lines. '' We paid XXXX in full for the policies ( home, auto, umbrella ) we had with them and did not renew the policies in 2023. We do not owe XXXX and were astounded that they continue to harass us and utterly shocked that they submitted this fraudulent bill to a collection 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 2023-06-28
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$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 explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below is the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was called by the XXXX XXXX chase fraud protection XXXX phone number and received a chase fraud text message. Informing me my XXXX and mobile app had been compromised and the rep was informing me how to reset it and redirect the sent money back to myself just using the same email and phone number I originally signed up with. I was not asked for any OTP, my social, or full card number and was even put on long holds and the person seemed like a genuine chase employee. This person walked me through resetting my XXXX and chase app. After being walked through on my app I was informed I would be receiving a call within 24 hours to regain access to my online banking, when I checked my account later I saw that $ XXXXand {$500.00} had been XXXX out of my account to one with my name on it. I then went into the trash of my email and found multiple emails with authorization code and receipts for the XXXX and XXXX from a XXXX  XXXX XXXX and a XXXX XXXX. When I called my bank 's fraud team at the same number that called me earlier to ask about this I was told No fraud member had called me that day and I may be the victim of phone number spoofing and sadly the fraud department would not be available until XXXX XXXX  on Monday. 

As of XX/XX/21, my claim has been denied due to the fact the IP address for these fraudulent transactions is said to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.

Company response to consumer: Closed with non-monetary relief