BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2018-05-15
Company: KEYCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past two weeks, I get daily phone calls for someone else. I have repeatedly asked them to remove my number as I am not the person. They have told my for the last five days they are going to ; yet I still get numerous calls daily. HELP ... .handicap family here and the repeated interruptions as very unnerving

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX XXXX and graduated with a worthless degree in XXXX. At the time they made promises about Job placement, expected income growth, accreditation, credit transferability ( if that is a word ) and the acceptance of there degrees within the IT workforce. All of it was lies. 

Dept. of Education : I have since paid off my federal FFEL loans and since they are at a {$0.00} balance I can't consolidate them into a " direct '' loan for refund of the almost XXXX ( estimate ) I have paid over the last 12 years as part of a borrowers defense forgiveness through the Dept. of Education with President Bidens recent loan forgiveness for XXXX XXXX student. I am falling through a crack with that plan. 

Navient : I tried to file a closed school discharge with Navient that was denied because I had already completed my worthless program before the school filed for bankruptcy. 

It is well documented that these loans private and federal were fraudulent all of the courts have already decided that ( CFPD included ) I don't know who to chase anymore. Navient just keeps redirecting my calls to debt collectors, debt collectors refer me back to navient, and XXXX is closed. 

Also there was appearently a class action suit? that was settled in XXXX that I would have been included in, but I moved in XXXX and my servicers did not have accurate address information. I have received no notifications about this suit or do not know how to follow upnon any disbersment from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a mortgage application with Wells Fargo ( with XXXX XXXX mortgage banker ) back in XXXX ( XX/XX/22 ) and was upfront with them that my property is under litigation and that it may be difficult for loan approval. The team requested many documents from me over the span of 2 months, from my own personal financial documents to XXXX documents and legal documents relating to the litigation. After much back and forth and communication with the mortgage team, I was given instruction to obtain an appraisal of my property. I specifically stated I do not want to obtain an appraisal unless the loan would be approved and that the litigation would not be a problem. The team confirmed that I had conditional approval from the project approval team and that we were in the final steps of escrow closing. I was charged {$690.00} for the appraisal and yet after the appraisal was told that the project was too high risk and that it was rejected by the project approval team. Essentially I was in this drawn out process with Wells Fargo for 2 months while interest rates were doubling. Only to be led to believe my application would be approved but was actually rejected last minute. I want at least a refund of the appraisal fee but at this rate I will not be able to find a mortgage with the rate of 3.125 % that I was quoted from Wells Fargo and that is a huge loss to me as well. They wasted my time and money.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am formally asking XXXX XXXX XXXX to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave XXXX XXXX XXXX permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information

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 2023-05-10
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2023, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: ALLY FINANCIAL INC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I make my monthly payments of {$180.00} in advance of the due date starting on XX/XX/XXXX. I have sent them 7 payments. I received an email stating my XX/XX/XXXX was late. I confirmed they have received 7monthly payments, but 2 payments were applied in XX/XX/XXXX. Ally Financial states they can not adjust the prepaid payment to credit XX/XX/XXXX. I have to send another payment. 

This is the most absurd policy I have heard. Penalize someone for paying in advance?

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 2022-01-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a stay at the XXXX XXXX XXXX in XXXX XXXX, SC for XX/XX/XXXX through XX/XX/2021 using Chase Ultimate Rewards Travel. The reservation was for an ocean view suite with two double beds. When we checked in, we were given a " sunset view '' ( city side room ) with 1 bed and sofa bed. We complained to the front desk. They did not have an ocean view suite available to move us to. We asked about why our room was not correct. They said that the booking came in through agoda.com as a sunset view room. I immediately contacted Chase concerning the issue. They told me that they agreed that I had made a reservation for an ocean view room and that they would look into the matter. 
After numerous phone calls to Chase, they are still " investigating '' the issue. The response is always, call back in another 24 to 48 hours for an update. This has been going on for over two weeks now. They talk about refunding my points, but that has not happened. I asked for the matter to be escalated to another management level over a week ago. That has still not happened. 
In addition, when I checked in at the hotel, I was charged an additional {$94.00}. The bill was unitemized so I could never determine exactly what it was for. The hotel employees kept changing the story as to what the charge was for. I asked for an itemized bill at the front desk, but they refused to give me one. At one point, a front desk worker claimed the bill was for resort fees, although the total amount was greater than expected cost for resort fees. In any case, I complained about issues with the hotel ( including room phone not working, heater broken in hot tub ) and the employee agreed to remove the charges, but would not offer a receipt for that. I do have an audio recording of her making the statement about refunding the fees. As far as I can tell, the hotel has not refunded the fees yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In 2015 I was involved in a scam where I was given fraudulent checks and asked to deposit them and subsequently send the funds to someone via XXXX XXXX. This situation was extremely disheartening, I filed a police report and I lost a significant amount of money in the tune of over {$5000.00}. The issue regarding this situation as that I walked into the bank and deposited the check. The teller took the check for an extended period of time and proceeded to deposit it although it was fraudulent. There were funds in my checking account temporarily and then I was scammed out of the entire amount of the check. I spoke with several representatives over the phone and I explained the entirety of the situation and I was told over the phone by a representative verbatim that they would give me my money back from the transaction and that promise was inevitably not honored.

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 2022-10-31
Company: Bread Financial Holdings, Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing in reference to my two accounts from Comenity Bank regarding my BJs credit card account. 

I was sent a new credit card for my BJs reward account in XXXX of this year. I was a little confused as my original card was not expired or expiring. I called to activate the new card and disposed of the old one. At this time, I had a balance on my account of {$2000.00}. When I received my first statement after this, I saw that I had a balance of {$4100.00}. I was confused as I had not charged anything on my card, so I called the company. At this time, I was told that I had a credit of XXXX on my old account number even though I was being charged the same amount on my new account number. I inquired about having the charge reversed so that I would just owe the original {$2000.00} but on my new account number. I was assured that this would take place and I thought I would just have the balance that I owed on my new card. It seemed from these transactions that somehow within your company, people transferred my balance from the original account to the new account, but did it twice. So that is why I had double the amount of money owed even though I never charged this amount. 

However, fast forward to now, and I received another statement but this time with another charge for {$2000.00} ( this being twice I have been charged this amount added to my original balance ). This brought my new balance owed to {$6700.00}!! Again, I only should owe the original {$2000.00} at this point. The only other charge that I made over the last few months was for {$360.00} to XXXX XXXX XXXX. So, the only balance I should have on either account should be {$2400.00}. At this time, I had also been charged interest on this fraudulent amount and was given a late charge, even though I had automatic payments set up with my original account. I never asked for a new account and when I was given a new card, the two cards were not linked in my account. 

At this time, I still have a balance on my card of {$6700.00} even though I only should owe {$2400.00}. The company keeps telling me that " they are investigating the matter '' but during this time, they are charging me interest and late fees on this astronomical amount that I didn't even charge! Something went wrong internally in their company when they were trying to issue me a new card and now they are fraudulently charging me extra balances. I am asking for this to be resolved and for my original balance to be restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TN
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:
I have hired numerous companies and sent letters myself to these reporting agencies. My legal name ends with a V and that is the only way I sign legal documents. Old addresses keep appearing and some address I have never held residence in. My address is XXXXXXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: VA
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. 

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 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: TN
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 and all the accounts mentioned have violated my rights.

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish any account with my written instructions. These entities are not FEDERAL GOVERNMENT AGENCIES!!!!!!!!!!!!!!!!!!!! 
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 2023-07-12
Company: EQUIFAX, INC.
State: NC
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: PNC Bank N.A.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a message from Ms. XXXX stating that I was going to be charged with Theft by deception as well as fraud due to the repossession of a vehicle from approximately 10 years ago. She stated my driver 's license number, my birth date, and gave information on my current vehicle and let me know that because of this I would not be able to renew my registration and my license would be suspended. When I called back I was told they will be serving me papers for court and that this is the last time they will try to contact me even though I have never heard from them before and they refused to send a validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: MA
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:
Hello, According the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX 15 U.S. Code 1681 : This states I have a right to privacy.

15 U.S. Code 1681s2 : This states a consumer reporting agency can not furnish a account without my written instructions.

Source : 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation