BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've notice a account/collections on my consumer report that doesn't belong to me. 
ACCT ... XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  XXXX RXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX, does belong to me. Could you please remove these FRAUDULENT ACCOUNTS from my consumer report. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THESE ACCOUNTS HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. INSTRUCTIONS THAT I COULD NOT HAVE GIVEN, BECAUSE NONE OF THESE ACCOUNTS BELONG TO 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
Consumer complaint received 2023-09-29
Company: Genesis FS Card Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calling daily. Won't provide me with any information about the amount owed. What it was for. They operate under a variety of names. First it was XXXX XXXX or XXXX XXXX XXXX, then XXXX, Genesis FS Card Services ( XXXX, Oregon ). I have called several times asking for someone in authority or their Fraud Department. The operator says no one in the Fraud Dept. wants to speak with me...?? They are very evasive. They want to record the call but when I say OK and I'll record the call on me end. They say they will not converse with me if I record the conversation. 

They want my SS #, my address, DOB, and telephone number to be able to find my account. Of course, I refuse to give them any personal information. So they say without that information they can't find my account...? I know that if they had my name, phone number they could easily find my name in the account base. 

I have outstanding credit. No debt and a FICO score of XXXX. I know this is some sort of scam. I just want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: PA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name & Number XXXX  XXXX # XXXX, US DEPT OF EDXXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  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 604 A Section 2 States : Consumer reporting agency can not furnish a account without my written instructions.

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. 

15 U.S.C 1681s-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.

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 2023-03-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was informed that aI needed to file a complaint since I have a checking and/or savings account with Wells Fargo bank between XXXX. I have had accounts with Wells Fargo since 2004. I was told that a class action lawsuit was underway. So, I wanted to be sure to be included.

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 2023-10-17
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2022, an account at chase bank was opened, that I had no knowledge of. My social security number, birthday, address and other personal info was provided. I called within 30mins to chase to close the account and to say I never opened the accounts. A debt account was also opened. When I received the cards in the mail at the end of the month I called chase bank again, to find out the debt card was not closed. This month, XXXX I received a letter from chase that {$700.00} was withdrawn out of the debt account. I called again to find out it was still not closed. After 2 hours on the phone I finally got the accounts closed and filed as fraud. Today XX/XX/XXXX, my sister XXXX XXXX also had a credit card applied for at chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: Information belongs to someone else

Complaint:
my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts removed from my credit reports

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 2023-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called me and threatened they were a police officer and they would take me to jail if I didnt pay and come to my work to XXXX  me..this was Portfolio Recovery doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX   has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .   TransUnion just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My  credit score dro pped  XXXX  points over night, and again, no one at TransUnion can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.

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 2023-10-16
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
These are American Express Business Gift Cards. I purchased XXXX XXXX {$100.00} cards in XXXX or XX/XX/XXXX. Have used all but the last 2 and since XX/XX/XXXX have tried to use them online and in store for the and no one will take them. Online on XX/XX/XXXX I tried to use it on XXXX, it took the card and did an authorization but then declined it. The amount was for around {$75.00} which was under the {$100.00} balance. Had to wait several days before the Pending charge was removed. The cards still do not work anywhere. 

In Store it just says " Not Authorized ''. Tried XXXX XXXX twice. Contacted Amex support today XX/XX/XXXX and was told nothing was wrong with the cards to try another in store transaction at a different store and that only some store will take it now because of New Security features on the cards that require the Security Code. However at the store no where to input the code. Was told that some of the attempted transactions did not show up. I tried several online stores and they declined the cards. 

I checked the balance on both cards and they both have the full balance on them, which was confirmed by Amex support on the phone today. 

XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete EQUIFAX DATA BREACH UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the EQUIFAX DATA BREACH UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 


I demand the following EQUIFAX DATA BREACH UNVERIFIED HARD INQUIRIES be removed immediately : 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a private student loan in XX/XX/XXXX To pay for school. The loan was in the amount of XXXX. My father is a consignor on the loan. We started making payments in XX/XX/XXXX that have only gone towards the interest. What was once a XXXX loan is now a XXXX loan. We have made almost 10k in payments only to have {$940.00} go towards the principal. My mother is sick currently which has caused emotional and financial hardship which means my parents are not working right now and I 'm living in CA making part time money at best with 3 degrees. I asked Chase Bank for a principal reduction of XXXX to pay the lian off and they denied me flat. This situation is frustrating as the more we pay on this loan and the more goes towards interest the loan will never be paid off. I ca n't afford it and my parents ca n't either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I have been with regions since around 2018 maybe even before then, I was under an account with my grandmother because I was not XXXX yet and I havent started having problems with them until I was able to have my own account under my name. When I would cash a check they told me the money would appear in my account within an hour and I wouldnt see the money until 24 hours later which was an inconvenience for me. 
I also would get charged different kinds of fees. I also just recently found out that if I have a balance of XXXX $ in my checking account and then my direct deposit is finally put in the checking account I have to wait 24 hours in order to see or spend my money. Also in the regions app they have this thing called regions lock-it were you can lock your account and keep anyone from taking money out of your account, that never works for me Im always missing money out of my account.

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 2020-07-31
Company: Santander Consumer USA 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:
An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with Santander. I requested documentation to validate that this account was personally done by me and never received any information about it - not from Santander, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that Santander has on file. I have even mailed in letters to Santander and have never received a response, I am literally being ignored by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert on my credit report that a company named Account control technology is now on my files. I have no knowledge of this debt. I have no idea where the debt came from because I have not been contacted by anyone at all. Please remove this from my file and provide some type of verification and validation that this debt is indeed my debt. It is unlawful to falsely report things without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX Pressler & Pressler LLP address XXXX XXXX XXXX XXXX, new jersey XXXX Phone number XXXX, filed case against me case number XXXX XXXX in XXXX county on behalf of XXXX XXXX, address XXXX XXXX XXXX XXXX OH XXXX phone number XXXX, which was dismissed on XX/XX/XXXX but till today 's date XX/XX/XXXX there is a judgement showing on my credit report by XXXX when I call XXXX they told me to call Pressler & Pressler. when I call pressler & pressler they told me that they have nothing to do with this case. I have to call XXXX  so that 's why I am requsting you to help me with this. there are some more points I want to bring it to you that they did wrong to me pressler & pressler they stated on court that they got all my record indicates that the sources of the address used for service of process of summon and complaint came from plaintiff 's ( XXXX XXXX ) records but my XXXX credit report showing that pressler check my report on XX/XX/XXXX I have the proof if u want I can submit them to I think this is a fraud.
XXXX XXXX  this account they have nothing that 's why case dismiss in court but to missed up my credit report they put judgement of current date so please help me to fix my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I paid off a debt directly with my bank 's internal collection agency in XX/XX/2023. I recently received a letter postmarked XX/XX/XXXX from XXXX XXXX XXXX to collect credit card debt from my bank ( NFCU ). The notice looks legit and has a reply form for me to include payment and a number I can call to pay it over the phone. I called the number, and there was no person to speak to ; the initial prompt offer was to make a payment, but as I continued on the line to try to talk to someone, it went on an indefinite hold. 

The postdate and notice date were a dead giveaway for me, but I wanted to call to catch them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-09
Company: EQUIFAX, INC.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 @ XXXX MST. XXXX XXXX XXXX  called me, then hung-up on me, as soon as I answered the phone. All I heard was CLICK. This is now the third call/hang-up harassment from XXXX XXXX XXXX. The call came from XXXX ( XXXX XXXX  ). Was placed to my phone XXXX (  XXXX XXXX ). XXXX XXXX XXXX  specializes in debt collection. Why are they harassing me? Why is a Law Firm allowed to flagrantly break the law. Knowing that there will be no consequences? I thought America was a democracy. Everyone was required to follow the law and equally, be held responsible for breaking the law. Is that not so?

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 2023-10-16
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet reached out about my consolidation request to say I needed to add another loan to be eligible. I sent the information by email and heard back within a day, with terms I am unwilling to accept. I have tried calling Neltnet several times. Their holds are excessive, and the phone system says estimated hold time is minutes without giving a number of minutes. I have tried to chat and cant get a human. I also sent them an email declining the terms, but their request states I must call them or they will proceed. How can I call if they refuse to answer? I want to be certain this consolidation is stopped, as I have attempted to get in contact many ways. I refuse a higher interest rate and want to keep things as is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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