BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: ERC
State: TX
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:
THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! ENHANCED RECOVERY IGNORED MY Affidavit of Refutation, Notice & Demand CEASE AND DESIST DEMANDS! YOULL HAVE THE OPPORTUNITY TO SETTLE THE DAMAGES FOR LESS THAN THE INITIAL INVOICE THAT YOU PREVIOUSLY IGNORED ; SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). YOU WILL BE RESPONSIBLE FOR ALL COURT COSTS AND ATTORNEY FEES. BE EXPECTING NOTICE FROM MY REPRESENTATIVE AT XXXX XXXX XXXX XXXX IN XXXX, TX XXXX ; IF THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER ( 30 DAYS ). 

FIRST AND FOREMOST IVE NEVER DONE ANY TRANSACTIONS WITH ENHANCED RECOVERY SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. ENHANCED RECOVERY HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS ENHANCED RECOVERY ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CREDIT SERVICE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. ENHANCED RECOVERY REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX DOLLARS ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
{$22000.00} in student loans were originated/became payable in XX/XX/XXXX. 
Between XX/XX/XXXX-XX/XX/XXXX payments were made for 3-4 of these years. Forbearance 's were used 2 times. From XX/XX/XXXX-XX/XX/XXXX my tax returns were garnished XXXX %. 
These payments amounted to roughly {$9000.00} 2 months ago I found out that in XX/XX/XXXX, with out my knowledge, these loans were charged off, with insurance paying the balance. At this time the loans were re-originated with out my knowledge at {$19000.00} Since then I have repaid roughly {$5000.00}. 
One payment in XX/XX/XXXX for {$1200.00} still has not been credited. 
I have been in phone contact with navient several times a week for 4 months. 
They refuse to discuss the pre-XX/XX/XXXX payments. 
In XX/XX/XXXX I told them they would get {$1.00} a month until these previous payments are properly credited. And it is determined whether or not I am still responsible for these loans. 
I do n't believe I am. 
Also, Am I entitled to a refund of payment since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 fil ing 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 2023-02-16
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a personal loan with Upgrade.com, with a balance of {$7400.00}. My bank ( XXXXXXXX XXXX ) issued a check to pay the loan off on XX/XX/2023. I have proof of deliver Upgrade.com received the check on XX/XX/2023. I have reached out to Upgrade.com on four occasions inquiring why my account has not been credited. Today, I received an email from Upgrade.com stating " We apologize ; however, our records do not indicate that a check payment is on file. Please understand that when a check is sent by mail, the processing timeframe will be about 10 to 14 business days, which includes mail transit times and processing once received. We will backdate the payment to the date that we received the check if not processed the same day.

If this timeframe has surpassed the normal processing timeframe, please contact your credit card company, lender, or bank to request the check information and deposit details. '' I have contacted my bank, XXXXXXXX XXXX asking them to stop payment on the check and return the {$7400.00} funds to my checking account in order for me to make the payment electronically. 

My complaint is in regards to Upgrade.com not taking action to locate the check, even though I provided a ) proof of deliver and b ) a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$820.00}

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$5500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLUB XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have 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 : It 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 non-monetary relief
Consumer complaint received 2020-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Theres been many letters sent out every month for the entire year including last year it was regarding name and credit error, I have every certified tracking information to prove that even if decided to now sue for creation of damages since am unable to purchase a place to live during this pandemic which nobody seems to give a XXXX  ( yes, now i'm being transparent, tired of the XXXX ) cause the one am disputing with not going through what am experiencing with my credit report, then you'd understand. 

ADDRESSED : XXXX been asked several times to remove the current name being reported which is not my name, EVEN sent in my social security card all year around. Lets be XXXX clear I'm a XXXX XXXX NOT A XXXX RESIDENT , lets get this XXXX  together. USE THE SOCIAL SECURITY CARD PROVIDED TO CORRECT the INFO and HAVE THIS TRANSFERRED TO THE SENIOR MANAGER if no one knows how to do the job correctly and IMMEDIATELY TO BETTER MY LIVING SITUATION. Speed up the investigation process under 15 days, waited long enough to have the XXXX XXXXorrected. 

ADDRESSED : TRANSUNION I've also asked you to remove the incorrect addresses, employment, inaccurate XXXX XXXX XXXX account OFF MY CREDIT REPORT all year around also just like Experian did delete the inaccurate information listed as stated, make sure this is a speeded process under 15 days ADDRESSED : XXXX  once again for the 11th time, correct the late payments on the XXXX XXXX XXXX, ASAP I've never been late on neither one of my accounts even during the pandemic fix these errors now

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 2023-01-30
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
$ XXXX taken from my checking acct for a house I was trying to rent in XXXX On XX/XX/XXXX, I was searching for houses. I went on XXXX because all the normal sites weren't getting back to me. I was in a very desperate situation, trying to get out of an abusive living situation with my son. I found someone looking to rent their house out as a private landlord. I scheduled a tour that afternoon around XXXX. I used a code to access the property. We agreed on an immediate move-in for the next day. 

Things got really weird once I sent the money, but at that point it was too late. My acct had already authorized the payment. I was vulnerable and the person took advantage of my situation. I went back and forth with them for a few days, but eventually just blocked them cause it was getting me nowhere and they were harassing me. I filed a report with XXXX and they were unable to recover the funds. 

The person said their name was XXXX XXXX XXXX XXXX XXXX XXXX on the lease ). I think he might have been using a voice app or something because at times it sounded like he had a heavy XXXX accent. They also had the following emails associated with them : XXXX XXXX XXXX The man said his wife 's name was XXXX XXXX, which is who the money ended up getting sent to. They then told me I would have to pay an extra {$500.00} to move in and even more money to receive a refund. Total scam. 

I also filed a report with XXXX XXXXXXXX  who the home is apparently owned by. I wanted to submit this in case there is a way you can help me recover the funds, or if you have other people who have reached out about the same issue. 

*This is all the information I provided in a police report to XXXX XXXX on XX/XX/22. They got back to me and said these scams are at an all time high and are unable to open a case for something like this. 

Person scammer posed as : Name XXXX, XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, CO XXXX, XXXX Home Phone XXXX Email XXXX I have gone back and forth with Zelle and XXXX with no resolution whatsoever. I was on the phone with Zelle while I was sending the money and they told me that I could call them the next day if it actually left my acct and they would help me. When I called back, they then told me I would have to go through my bank. My bank was no help... even though XXXX XXXX XXXX apparently owns part of Zelle. Seems like a good way to XXXX over consumers. 

$ XXXX is A LOT OF MONEY. Especially for a single mom living off one income. 

Please help me resolve this issue!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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:
THE DISPUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED 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 2023-01-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was scammed through XXXX A person contacted me as a bails bondsman and I unknowingly sent {$2100.00}. Another transaction of {$800.00} was also sent on XX/XX/2022 to the same person. I contacted Wells Fargo within one hour of realizing it was a scam. I was given two case numbers. Weeks go by and I did not hear from my bank. I called them on XX/XX/2022 to check my claim status and was told that they are waiting for the receiving bank to reimburse my money. I have not heard anything back. I was not told who the other bank was. I was never notified about my cases.

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 2023-04-09
Company: MRS BPO, LLC
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: Account status incorrect

Complaint:
this is inaccurate information thats reporting and i want these to be removed im a victim of identity theft and wasnt my consent ive also check the credit reports and the dates are not the same so on the credit bureau by law has to be removed because its proven isnt mines and not my consent and it has different dates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: CBC Companies, Inc.
State: AZ
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:
Furthermore, as you can see from the information above, this agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that them immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). they have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is my 2nd try. I evidently do not know how to send photographic proof of my receipt and the bill. 

On XX/XX/XXXX i tried to put {$200.00} towards my Lowes credit at store XXXX ( XXXX OH XXXX XXXX XXXX. The clerk took {$1200.00} out of my account. I was in a hurry and did not notice unti later. I went back the next day to have it corrected. I also had the bill which only amounted to {$660.00}. The clerk at the service desk tried to correct it. She said she got it in there but the computer was hesitating to print the receipt. She turned the screen to me but the screen disappeared while I was getting out my phone to verify it. She assured me it was taken care of but to give it a day or two to be deposited. On XX/XX/XXXX I checked and there had been no correction. From the credit union parking lot I called the number on the bill. I was informed that they could not put it back in my account but would be sent a check that would arrive in 2 to 3 weeks. I told her that was bogus, if they could take it out, they could put it in. I expressed that I was not happy. On XX/XX/XXXX no check had arrived and I called in again. I was told that according to their records it would not be XXXX weeks until Friday. I called on XX/XX/XXXX and reached what was obviously a call center and probably in another country. The man I spoke to told me " it's been cancelled. '' I questioned what had been cancelled and where had my money gone. He told me it was cancelled that no money had been taken out. Once again I was extremely mad and again made it clear that when I got my money back and had paid off the balance they would recieve the card in pieces and that in no uncertain terms would their company receive a dime from me until the {$1000.00} was returned. 

Starting shortly thereafter I began recieving texts to remind me I had not paid my bill. Calls are coming in daily on a potential spam number that I believe is them but I do not answer spam calls. 
The latest was at XXXX today as I attempted my first complaint.

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 2023-05-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have a Blue Cash Preferred credit card issued by AMERICAN EXPRESS, which has {$95.00} annual fee. 
XX/XX/XXXX, I requested to downgrade it to Blue Cash Everyday, an annual fee-free card through the online chat. And got the confirmation. ( The conversation is saved in the attached screenshot ). They did not downgrade and did not send me the new card. 

XX/XX/XXXX a {$20.00} annual membership fee was charged. ( saved in the attached screenshot ) XX/XX/XXXX another {$95.00} annual membership fee was charged again! ( also saved in the attached screenshot ). 

XXXX XXXX, XXXX, I called customer service XXXX XXXXXXXX and submitted a complaint about this case, and got a reference Number " XXXX ''. They said they would investigate. When I asked if they could find my chat record with their online agent on XX/XX/XXXX, they replied they could not. Then I asked if I could upload the screenshot I record to them, and they said I could not, and if needed the investigation team will contact me and ask me to wait for 30 days. 

XX/XX/XXXX, I called customer service again without getting any information from them since the last call. I was told they closed my case with the conclusion of no chat was found.

Company response to consumer: Closed with monetary relief