BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX  XXXX XXXX issued me XXXX credit cards and I have had these cards for years. I pay all my payments on time. 

The issue is that the company does not report the correct balances each month and the balance they submit is always higher than actual balances and it makes my FICO Score go down and now I am tired of this happening and want it to stop. 

Wrong Balances on Both cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: SC
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 to the fair credit reporting act this creditor has violated my rights under 15 USC 16819 ( a ) ( 4 ) which states that I have a right to privacy. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666 ( a ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 1681 ( a ) ( 2 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer right to privacy.

15 USC 1681b ( 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.

15 USC 1666 ( a ) Time to make payment 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 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 2020-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I had three calls the first one was polite but the last two that were today XX/XX/20. They where rude abrupt fast talking and lound which i tried to have patience but couldnt. The lady said she was doing her job i told her she was not doing it pplolitely and she was rude. Tehy call like bullies. They act like they run over you with how they talk to you. She itterated that they could sue me for this collection. In a threating way. I just cant take it anymore im having a hard time getting a XXXX job. They are garnishing my first one. W the little but of money i get. I am a single mom of 2 how am. I to survive thru this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am listed as a joint account holder for a Wells Fargo credit card. There have never been any late payments. However, the other named account holder filed Chapter 13 bankruptcy ( I was unaware until I received a credit reporting notification that the account was closed and charged off ). I called Wells Fargo a number of times and explained that I am trying to obtain a mortgage, but this charge-off is negatively reflecting on my credit. I was forced to pay the account off to try to show good faith on my credit report. Wells Fargo should not have required payment to change the status of the account because the joint account holder filed for Chapter 13 bankruptcy. Additionally, the account holder who filed bankruptcy is required to pay the account off so, Wells Fargo is incorrectly reporting this account as a charge-off on my credit reports. I asked a number of times for at least a letter showing that I paid the account off. I was told XXXX different time frames by individuals in the Bankruptcy Department and was ultimately promised that a letter would be mailed to me on XX/XX/2023. This has caused substantial harm to my credit scores. 

Call Notes : XXXX @ XXXX a.m. : spoke to XXXX- confirmed that dispute was submitted on my behalf on XXXX to the credit bureaus to confirm whether I filed for bankruptcy - cant provide tracking number - provided me with the phone to XXXX ( XXXX ) to check status - called XXXX, but the agent said he couldnt see the dispute Wells Fargo Credit Card ( XXXX ) XXXX XXXX XXXX XXXX XXXX provided by XXXX XXXX XXXX Wells Fargo Bankruptcy Department ) XXXX XXXX Spoke with XXXX @ XXXX am - she submitted dispute to have charge off removed from credit - should receive the response within 60 days via mail XXXX - tried faxing XXXX XXXX XXXX Wells Fargo Credit Bureau Dispute XXXX department - number never would answer/work XXXX @ XXXX pm : spoke XXXX XXXX in Bankruptcy - account will still show up as closed & charged off even if paid in full ; XXXX @ XXXX pm : spoke to XXXX in Bankruptcy - said only a few members in bankruptcy dept - can only accept payment via bill pay or check - once payment clears can call her back and she will guarantee send me a paid in full letter within XXXX business days XXXX Bill pay information XXXX Wells Fargo Services XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Amount : {$680.00} Paid in full XXXX @ XXXX pm XXXX XXXX XXXX XXXX XXXX : Spoke to XXXX in Bankruptcy @ XXXX pm- confirmed payment received on XXXX - provided her my current mailing address - will mail letter XXXX business days from the XXXX - XX/XX/XXXX is the mail out date

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 2023-03-23
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:
To whom it may concern : The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to conrm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail.

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 2022-10-20
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 I opened a fraudulent transactions claim with Santander by calling their personal accounts customer service at XXXX for 2 fraudulent transactions on my Santander credit card : XXXX {$2.00} XXXX {$17.00} I informed the phone operator that I did a XXXX search on the transaction description : " XXXX XXXX XXXXXXXX '' and the search returned 2+pages of results flagging this as a known credit card scam, and that I was surprised Santander would let these charges through to begin with. I also requested that my credit card account be closed because this has happened before and I don't think Santander takes credit card security as seriously as other credit card companies. 

On XX/XX/22 I received a letter in the mail from Santander informing me that they had closed the investigation on the XX/XX/22 {$17.00} charge because no billing error had occurred, because documentation from the vendor proved I had authorized the charges. Additionally the letter stated I should contact the vendor directly for further details. It did not mention the XX/XX/22 {$2.00} charge. 

On XX/XX/22 I checked online banking and found that Santander had returned the {$17.00} charge to my statement. I called XXXX and spoke with XXXX in Disputes. I asked him how I could contact the vendor when 2+ pages of XXXX results indicated that this was a know credit card scam. Unbelievably, XXXX told me " you are providing new evidence that this was indeed a fraudulent charge by your XXXX search, so can you take a screenshot of your XXXX search and email it to us and I will open a new fraudulent transaction dispute. '' I told him that when I opened the fraud case I had mentioned this to the operator, to which XXXX said " a note was not made on the case with that information. '' At this point I wished him a good day and hung up. I would like to know what exactly Santander 's " fraud investigation '' consists of if not a basic XXXX search or a list of know credit card scams which I would assume they have. 

Thanks for your help with this as I did not know who else to contact.

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 2020-06-15
Company: EQUIFAX, INC.
State: LA
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:
Equifax, XXXX, and XXXX  are working together by not updating proper credit scores for the client. XXXX XXXX XXXX has been helping over 2 years the credit score barely changed in two years. I mean a very minimal change from all 3 agencies.

I can get a car, a home, a loan, anything, not even a credit card. Yall need fix and update this XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I cant access my account as of XX/XX/23 and i contacted Chime support, they keep ignoring my request to speak to a supervisor and keep playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 contacted XXXX, XXXX, XXXX XXXX multiple times, my Initial date of first contact XXXX XXXX follow up letter dated XX/XX/2023. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting. 

XXXX XXXX, Account : XXXX Capital one, Account : XXXX XXXX XXXX XXXX This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( 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 WRITTEN INSTRUCTION of the consumer, to whom it relates. 

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. 

15 U.S.Code 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1666b A. Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. 

Account : XXXX XXXX, Account : XXXX XXXX  XXXX. Both these accounts are a VIOLATION of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), except as provided in paragraph ( 3 ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. 

Therefore, I request that my TRANSACTION between Myself and XXXX  XXXX  XXXX, XXXX  XXXX, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! On XX/XX/2023 I Have Filed a FTC COMPLAINT REPORT XXXX. 15 U.S. Code 1681c-2 A consumer reporting agency shall block reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of. ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
I have contacted several times the Credit Bureaus XXXX, Transunion, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, XXXX  {$1000.00}, XXXX  {$1000.00}, Transunion {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my XXXX  report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously XXXX  has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also XXXX, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX XXXX, Transunion has inaccurate information and failed to verified account and XXXXXXXX XXXX XXXXXXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.

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 2022-07-21
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:
Under law 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report.

15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Finance Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX at XXXX XXXX in XXXX, MO in XXXX of 2021. I was told I would have to pay a set amount of money upfront before having XXXX, to pay for what the insurance company would not cover. I paid that amount so I could schedule XXXX. Fastforward to XXXX of 2021, I get 5 collections related to billing by XXXX XXXX for my XXXX. Nobody ever contacted me about the bills, I never received the bills in the mail, and I called them to try to make it right and pay the bills, and I was told that the accounts would not be removed from collections, even though XXXX XXXX is clearly liable for these bills not getting paid. This would be a different situation if I hadn't offered to pay the bills to correct their mistake, but they still refuse me the ability to make it right. So I would like to report them for destroying my credit, that I have worked tirelessly for years to repair, and refusing to correct their mistake. Now Transworld Systems is refusing to remove the collection from my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Maximus Education, LLC dba Aidvantage
State: CA
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 payments resume this month. I logged in to my account to make a payment, and they claim I owe {$990.00} TODAY. 

My total loan amount is {$14000.00}, to be paid off by XXXX. My interest rates are 4 %. I also received a XXXX XXXX, and was granted forgiveness before that was rescinded by the Supreme Court. I then applied for a payment plan adjustment. I am currently unemployed. 

Before XXXX pause, my payments were around {$120.00}. $ XXXX is literally insane. It's inexcusable, predatory, and borderline extortion. 

Aidvantage should be dissolved as a company!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I opened a High Yield Savings account with Synchrony Bank which was an online account with a transfer from my personal account in the amount of {$50000.00}. On XX/XX/XXXX I transferred another {$1500.00} to the same XXXX account. On XX/XX/XXXX, {$45000.00} was wired out of my XXXX account to " XXXX   XXXX XXXX '' totally without my Knowledge or approval and I have never had an account with XXXX. On or around XX/XX/XXXX, someone transferred out {$14000.00} ( which is more than would have been in the acount ) to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX which I also knew nothing about and have never heard of either bank.. Since this was a savings account, I did not look at it ( as I obviously should have ) until XX/XX/2019 when I needed to withdraw some money. I could not access my XXXX online account at that time because the account had been locked, which I also did not know. When I called to inquire about my account, I was told that my account was " Overdrawn '' by the amount of {$14000.00} and I had to make a deposit immediately to cover that amount. They followed up with a letter saying " This is an attempt to collect a debt and any information obtained will be used for that purpose ''. I have spoken to several different people at XXXX and they will not even consider this as " Fraud '' and plan on pursuing this against me.

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