BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX NO LONGER EXIST AND WAS SOLD TO XXXX  XXXX XXXX XXXX. Consumer sent XXXX XXXX XXXX XXXX a letter and it was returned [ Exhibit 1 ]. XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to violate FCRA 15 USC 1692g by ignoring my right to privacy and continues to furnish and Report Old Information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not allowed to have or purchase Consumer information without my consent. This is an infringement upon my Consumer Right To Privacy. Consumer will no longer allow XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report my information and Consumer did not authorize anyone employed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make any inquiries and/or view my credit report and that this is a violation of the Credit Reporting Action Section 1681b ( c ) and a serious breach of Consumers privacy rights. Consumer has attempted several other times to get my information removed. Consumer has never gave anyone permission at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have been railroaded by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to ignore my Consumer issues. Under 15 USC 1681a ( e ) Permissible Purposes Consumer no longer want XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX to report ANY of Consumers information and if they do it will be considered FRAUD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not have Consumers permission Under 15 USC 1681c2 and will be considered identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has also violated 18 USC 241/242 Deprivation of rights under color of law because after so many attempts to have this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In order to pay for college, I applied and was given a multiple student loans by SallieMae. Due to COVID as well as my mom being diagnosed with XXXX  XXXX XXXX XXXX, I had to temporarily put my studies on hold. SallieMae refused to work with me and, dispite not having any sort of income, demanded an obscene ammount of money. The cosigner contacted me and has told me that SallieMae threatned him with law enforcement action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
President- since paypal is a bank and falls under your jurisdiction I complaining that paypal refuses to give me my account routing numbers or account numbers or a paypal cash/debit card. now I cant set up direct deposit for XXXX for over a year if not two. do this now. signed president of the usa XXXX XXXX XX/XX/2022 XXXX est.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: NC
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 the following have violated my rights : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was XXXX with XXXX XXXX XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, 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:
I XXXX XXXX am a victim of identity theft and the following are fraudulent : ACCOUNTS : XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$8800.00} XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$780.00} HARD INQUIRIES : XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2021 Automotive COLLECTIONS : XXXX XXXX XXXX Reported : XXXX XXXXXXXX, 2021 {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2021-02-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 I applied for a refinance for a lower rate with chase. I provide all documents as they requested. On mid XXXX I got a call from one of the mortgage rep letting me know I will be closing the end of XXXX. In XXXX I was asked for paystub because it was 60 days and I sent it. I once again I got a call again asking me why I havent lock the rate thats all they are waiting. I was really confused as I thought my mortgage rep already took care of that. I messaged the rep and he said that was not true between him and his assistant I was giving the different information. The assistant did shared with me that she will be notifying her manager about the experience and all the wrong I formation, but no calls from management. At the end of XXXX got another call asking for rerun my credit due to expiring the time since I applied. I did give them authorization. I got a message of the mortgage rep letting me know that he will email management to do an exemption for closing. Three weeks later I am here waiting and no respondes from no one in the mortgage department. I am really disappointed of how chase has been handle my mortgage and how no one is communicating with each other and I continue to getting different information. At this point I want my money back and withdraw my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Bread Financial Holdings, Inc.
State: MI
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 went to get an auto loan in XX/XX/XXXX & they questioned me about an unpaid, maxed out credit card for {$10000.00}. I had no idea what was going on. I was then served papers to appear in court for not paying the card approx. XXXX XXXX. I had no idea of what kind of card this was to even contact the company. I told this to the dept collectors & they said they would list it as fraud. I just had a recent credit report on XX/XX/XXXX & saw that the fraudulent card debt was still listed, which is destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-19
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately in my file : 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 2021-02-10
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  doctor charge my insurance amount of XXXX. These charges was based on pre existing conditions. I've only had this problem with the doctor. Only have unauthorized charges from this doctor.

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 2021-08-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Chase bank closed my account I had funds deposited to my account and the unemployment office showed me a letter saying bank rejected it but chase denied Amy transactions or rejections but the work force has showed me they have gotten funds back and should be available today or tomorrow the problem is I have been trying to fix this matter and I've been put on wild goose chase the bank can't seem to find my direct deposit more than one contact me asap XXXX asap I have not received my funds and it been 5 days ago since payments were released

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This company is showing incorrect addresses for me that I never resided or inaccurate addresses. The addresses that are not mine are : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX 2. ) XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX 3. ) XXXX XXXX XXXX XXXX, XXXX, La 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 2023-09-20
Company: Experian Information Solutions Inc.
State: CA
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:
There are many inquires that I did not authorize at all. My information was used fraudulently to apply for credit. Please assist to remove these fraudulent inquiries from my credit report. 

Fraudulent inquiries as follows : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Inquired on XX/XX/2023 2023

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 2023-03-28
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 U.S.C 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 According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-01-19
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXXXXXX 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 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 2023-08-21
Company: FORD MOTOR CREDIT CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX dealership at XXXX XXXX XXXX XXXX XXXX IN XXXX sold me a car fraudulently and when I tried to resolved the situation they denied and I told them this would be the only chance to resolve it civilly before I report them to the proper authorities I wont stop pressing the issue so they wont treat another consumer the way they treated me. Ive filed a complaint with the Attorney General office online and doing the same with you. They stole my rebate of {$3500.00} from me and didnt report my full trade in value of {$10000.00} to the IXXXX XXXX XXXX XXXX XXXX They violated ( 6 ) of my consumer rights outlined in the certified letter I sent to the dealership on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out from my previous Apartment on XX/XX/XXXX and as per the move-out process, handed over the keys to the receptionist. The Apartment didn't conduct the Move-out inspection until XX/XX/XXXX ( Should be 3-5 days within Move-out per Georgia Tenant Handbook ), and updated the wrong move-out date ( XX/XX/XXXX ) in our Full and final statement. On discussing the matter with the apartment multiple times, they finally removed the additional rent, they charged us post move-out. 

My Final account statement ( FAS ) from XX/XX/XXXX has {$430.00} including common utilities post move-out, and the damages. I've {$300.00} deposit with the apartment, which they took while move-in, and this hasn't been applied to our FAS amount. 

While asking Property Manager multiple times, she at times mention those were against XXXX rent ( which I already paid ), or at times increased the damage charges, which are clearly contradicting to the initial damages they have charged in the FAS from XX/XX/XXXX. 

They have reported my account to Debt collection ( Rent recovery solutions LLC ), who without fully verifying, has added a wrong amount ( {$510.00} ) to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX charged me a whole olot of times on my account XXXX XXXX supposably took payments and then they got returned but i never saw money in my account. 
XXXX was paid as well by me on there online portal and got returned but never saw at it either on my bank of america account. 
same with XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  purchases with bank of america debit card and just alot of purchases i cant dispute with dispuite center because they even get mad at me because they want to sithere and dispute evrything with me and cant and honestly not enough help and everything gets worst because im in need my self rn im a XXXX XXXX XXXX XXXX  that has no money right now and all these pending issuers are really holding me up. 
because i am a hard worker but this makes me not want to keep working because im afraid my money goes to all the wrong places.and theres records on my bank account for all of this ..so i basically need to get reimbursed really fast because i didnt give my income for workimg hard to the wrong people.

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 2023-02-06
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:
I reviewed my Consumer Reports and noticed I had some transactions that are reporting late on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments with the following accounts : XXXXXXXX XXXX : Account # [ XXXX ], XXXX XXXX : Account # XXXX XXXX  XXXX, XXXX : Account # [ XXXX ], XXXX XXXXXXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX : Account : [ XXXX ], XXXX XXXX XXXX XXXX : [ Account : XXXX ] XXXX 

Please investigate and provide proof with statements showing that these transactions were late. If proof can't be provided I demand that these payments be updated on time with no late payments reporting at all as they should be as I was NEVER LATE.

Company response to consumer: Closed with explanation