BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX Hi. Can you please send the original contract with my signature on it and the address and phone number. Also the payment history. Please take off of my credit immediately thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: JPMORGAN CHASE & CO.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I sent a Validation of Debt and C & D letter to chase. 
I have been contacted 3 times which is {$1000.00} fine per contact. I ceased all contact except certified mail involving my dispute. This includes- in person, email, phone, and credit reporting/third parties ON my behalf. They failed to answer me within the time ( 30 days ) that I gave them. I proceeded to then get into contact with the CEO requested the information, have yet to hear anything yet a report of late payment was put on my credit report AFTER opting out of all communication with me or any third party regarding me. Were up to {$5000.00} in fines PURSUANT to the law and TILA. 
According to 15 usc 1650 ( a ) ( 1 ) ( c ) a co signer is not a spouse, so this entire transaction was illegal to start with. I have a team of attorneys, as well as proof of claims, and debt lined up and proof they failed to comply with TILA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: WELLS FARGO & COMPANY
State: PA
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:
I received an email from XXXX asking me to XXXX for the business account I ordered. I didnt order this and called the XXXX number to correct this. I was told there were additional charges made totaling {$3300.00}. I was asked to open my computer to fill out a refund form, which I did. They showed me that I made an error and put in {$33000.00}. I was horrified and they asked me to open my bank info and it showed a deposit for that amount. I now know they were controlling my computer and everything they showed was false. They said they would lose their jobs so I couldnt send a check. I wired {$30000.00} and, {$19000.00} because they showed me that only part of the first wire went through and the second was declined. They then told me my only recourse was to buy gift cards, which I did. {$7000.00} on XXXX XXXX, which was considered fraud and removed. I also got {$11000.00} on my Wells Fargo visa. After a month of being shifted between fraud, then disputes, back to fraud and again in disputes, I was informed today that my only recourse was to go the merchants to see if any money was left on the gift cards. 
I reported this on XX/XX/2023 after buying the cards on XX/XX/XXXX. My entire checking and savings was gone, around {$57000.00}. I dont have the resources to pay this as I am now on social security with a very small pension. 
I reported the scam to the XXXX XXXX Police in PA incident # XXXX on XX/XX/XXXX and an XXXX report on XX/XX/XXXX. I also submitted a scam complaint to the PA Attorney General on XX/XX/XXXX. I also sent a copy of the email to the XXXX phishing website an feceived phone calls and emails from them.

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 2018-10-20
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:
inaccurate information hippa and ftc violation please correct it asap

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 2022-11-06
Company: EQUIFAX, INC.
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:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 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 2023-07-29
Company: CCF Intermediate Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I applied for a payday advance loan in person at speedy cash. I never was given the full loan payment term to pay back the loans that i requested. I was always charged XXXX dollars in late fees when i wasnt late to my checking account the loans were always to my account before the due dates and after the due dates. 
Speedy cash charged me for XXXX payday loans amounting at XXXX XXXX and XXXX dollars i contacted customer service through email regarding the errors XXXX XXXX did not respond to my emails. XXXX XXXX  continued to charge my clear access bank account with wells fargo numerous amounts of times overdrawing my account over XXXX XXXX and XXXX dollars i receive ssi payments from the social security XXXX and am exempt from having payday loans default when they were paid residing in california the law states a loan company can not advance more than XXXX loan at the same time which XXXX XXXX violated that law and my rights as a consumer XXXX exempt from having charges sent to collections also this affects my XXXX XXXX however the amount of loans i took out and paid back were not reported to the credit bureaus like it stated to raise my XXXX XXXX either. My XXXX XXXX dropped XXXX  XXXX charged me for a loan in XXXX XXXX in error and refused to correct their mistake which i ended up having to pay in full to cure my checking account negative balance. My account was charged the loans were removed from my XXXX XXXX  profile but i have screenshots of the errors that now seem to not exist. i called the XXXX number and was told by the automated system they have no record of my account ever existing with XXXX XXXX. I need my money refunded including late fee charges i was charged in error and my accurate payments to be reported to the credit bureaus honestly and those defaults removed from my credit report and also i do not consent to an unknown collection agency having my personal infornation nor was i ever served a court order for the money to be removed out of my account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the Federal Law, Fair Credit Reporting Act, you are required to investigate and update, correct, or remove erroneous information being reported on my Credit File. You have not complied with the Federal law and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request p=of you to please correct my Credit File by updating or removing the following items off from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Company: EQUIFAX, INC.
State: IL
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:
XXXX continues to report to the credit bureaus an unverifiable account. 

I have disputed this account multiple times with the bureaus to no avail. 

I have requested proof of this account from XXXX and have not received a response. On XX/XX/2023, I called XXXX and they confirmed there is no account in their database, yet they continue on a monthly basis to update the account. 

Failure by XXXX & the credit bureaus to notate account as disputed within 30 days of notification is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
On XX/XX/XXXX I pulled a copy of my credit report and notice Portfolio Recovery Associates reporting derogatory information. I wrote asking them to verify and validate the debt and they responded with some paperwork that have me even more lost than before. Portfolio Recovery Associates did not send me what I asked for to properly validate the debt, which is a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting this complaint to XXXX  due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TD BANK US HOLDING COMPANY
State: IL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: MN
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 following credit inquiries listed on my Equifax credit report are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is Cashapp..my friend sent me {$270.00}, she showed me transaction completed the ID and screenshot it to me..Cashapp said may be wrong account and i have only ever had XXXX account so where is my XXXX They claim they dont see that transaction id so it disappears cause I didnt get it and I have no contact with the young lady

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had automatic payments set up and at the start of XXXX the automatic payments stopped and I was not notified until my account was delinquent, I have been unable to make payments online because my account is closed. I made several phone calls to try and make payments and BMO  was unable to take my bank account routing and account number. They kept telling me that my bank account was not recognized in their system. This is the same account that I had automatic payments set up with. I was instructed to go into a BMO branch to pay so I attempted to do this. I went in and was set up with a banker. They could not find my actual account number because the account has been closed. The banker tried to make a payment and was also unable to with my routing and account number. I then had my bank cut a check and send it into the BMO payment center. I only had the last 4 digits of my account since the account is closed and no one was able to give it to me. I also do not have my physical credit card anymore and have not had it for years. The check was sent back to me because I did not have my full account number listed in the memo. I received a call saying that my payments are late. I then explained that I have been trying to pay this card off for months. This associate was able to give me my full account number. I have sent in another check to pay off the account with the account number on it. The check was sent on XX/XX/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 monetary relief
Consumer complaint received 2021-07-25
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had paid all my balance that I had owed in 2010 to Sallie Mae when I attended XXXX XXXX XXXX. The amount was never deducted from my account and it was rolled over to Navient. I would like Navient to remove the balance that I had already paid to Sallie Mae. Total balance paid {$15000.00} in 2010. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
There are hard inquiries on my account that are reflecting inaccurately. 

SYNCHRONY FINANCIAL ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank 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 explanation
Consumer complaint received 2023-03-18
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:
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 XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

15 U.SC 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 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 non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans union is leaving this on purpose I have had to dispute this like ten times because there are several different reasons it shouldn't be in my report one being the name on the account isn't even my name so that is an error and has to be taken off my report second the amount is totally bogus this was settled in a court if law and then give months later bam it just shows up at XXXX on my credit report and it was settled in court we had an agreement next the amount is wrong I didn't owe {$26000.00} even when I owed money to anyone so that XXXX XXXX and the company saying I owe them agreed to settle this with me back in XX/XX/2022 and now they just throw this up on my credit report after we came to an agreement and I moved out and trans union keeps telling me they investigate it and they don't cuz it f they did it wouldn't have in accurate information on my report that is effecting me getting student loans and a house loan my credit is near perfect besides this horrendous collection amount that's been in there for XXXX months now and shouldn't be

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 2022-11-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My score disappeared on both Experian and XXXX and I have XXXX negative accounts, its been 6 months of positive history with multiple accounts and still Im unable to get my score as if I have no credit which is hurting my ability to obtain funding. I have called in several times to try and fix this matter in which they promised it would be updated and still I have seen no change.

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 2022-03-27
Company: Experian Information Solutions Inc.
State: LA
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, XXXX  account number XXXX. 
XXXX XXXX XXXX XXXXXXXXaccount number XXXX XXXX  XXXX  XXXX account number XXXX XXXX XXXX  XXXX XXXX  Account number XXXX. 
XXXX XXXX XXXX  account number XXXX US District Court 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 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