BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt was added to my account XX/XX/XXXX without my written consent. 

IT isnt the correct amount, and Ive asked that it be removed from my report numerous times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: SC
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance XXXX -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$18000.00}, 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 2021-06-03
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 to XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
First I want to thank you for taking the time to read my letter, secondly I wanted to tell you about me, my name is XXXX XXXX XXXX, a widow, living on a fixed income that is mainly what I receive is the monthly Social Security check for the amount of {$1200.00}, from that amount I have to pay my home expenses, such as Property Taxes, Utilities and food ; and third I wanted to file a complain for the Bank Chase, specifically their branch located at XXXX XXXX XXXX XXXX in the city of XXXX Texas where I know that the amount of {$1300.00} was taken internally by the cashier XXXX ( dont have her last name ). On Saturday, XX/XX/XXXX I walked into the above Chase branch to get a print out of the available funds ( copy of the summary attached, dated XX/XX/2023 @ XXXX ) but a minute later it shows a withdrawal that I never asked for or received the funds for the full amount that was in the account on that day Saturday XX/XX/XXXX, they extracted everything. 

On Monday morning, XX/XX/XXXX, I walked into the Chase branch that is located at XXXX XXXX XXXX XXXX XXXX, and was told by a cashier/teller that I needed to go back to the branch on XXXX XXXX XXXX because they had made an error and they had to correct it, but when I went into the branch on XXXX XXXX XXXX XXXX I was told by the teller XXXX that I had already withdrawn the funds from my checking account, since my first language is XXXX I requested to speak to another teller or supervisor that would be able to explain in XXXX what had happen to my money, unfortunately the second teller that spoke XXXX did not want to help me, her words were I can not help you she said to go see the branch manager supervisor, I tried talking to the branch manager but she was very rude, accusing me of already taking the money ( sorry, but I dont have the manager or the second tellers names ). 

I have filed a claim with their corporate office and they denied to help me ( Refence # XXXX ), I also filed a police report but I was given the same negative response ( Police card with the case # attached ) you are my last option, I beg for your assistance, those funds were STOLEN by the employee ( s ) in that branch, Im suffering to pay my bills because of that money they have illegally taken. 

I Hope and pray that you may be able to help me. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAVALRY INVESTMENTS, LLC
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: Account status incorrect

Complaint:
Cavalary Portfolio Account was paid on XX/XX/2021 We were told that the account would be removed from the credit as per their policy within 30 days. 
I reached out to the company and they told me that they submitted a request to update the credit as a settled account when in reality the negative account should have been deleted in full as per the policy specified on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Very simple. Promotion was Earn a {$100.00} statement credit when you open and use the Sony XXXX within 60 days of account opening. Then, earn a {$50.00} credit when you spend {$500.00} within 60 days of account opening. 

On XX/XX/2022 I received an email from Comenity stating " Youve made your first purchase with your Sony XXXX Credit Card, which means your {$100.00} statement credit is on the way! Keep using your Sony XXXX to earn another {$50.00} statement credit when you spend {$500.00} within 60 days of account opening. '' XXXX XXXX XXXX of Comenity claims " On XX/XX/2022, a {$100.00} statement credit was applied to the account. New cardholders receive a {$50.00} statement credit after the first card purchase. New cardholders also receive an additional {$50.00} statement credit after spending {$500.00} or more within 60 days of account opening. '' He is referring to the current promotion, NOT the promotion that was in effect when I got this card ( as proved by the bank 's email to me ). XXXX XXXX also fails to notice that the initial {$100.00} credit to me was paid BEFORE I spent {$500.00}, so his explanation is obviously incorrect. 

I reached the {$500.00} total of XX/XX/XXXX. 

All I ask is that the bank live up to the terms of the promotion. I have included copies of the bank 's XXXX email to me, a second email dated XXXX stating " Dont miss out on another {$50.00} statement credit '' and XXXX XXXX XXXX letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX XXXX 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # 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 2023-04-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Chase Bank is in violation of the Equal Credit Opportunity Act for failing to respond to my credit application ( # XXXX ) within the federally mandated 30 days. On XXXX XXXX XXXX, I applied for a Chase Freedom Unlimited credit card. On XX/XX/, they mailed me a letter asking me to verify my identity within two weeks of my receipt of their verification letter. I called the phone number Chase provided ( XXXX ) on XX/XX/XXXX, and received an automated response telling me that my identity had been verified and that I should wait 7-10 business days to be approved or denied. I called multiple times to follow up with the status of my application and was informed that it was still pending. 

It is now XX/XX/, and upon another follow up call from me, I learned my application has now expired. I was informed that my application expired because Chase could not confirm my idenity. I explained that I called the number they provided within the appropriate amount of time, and they said that the number I called should have routed me to a live agent who could have verified my identity. The number they provided does not do so ; it only results in an automated response that provides false information to applicants telling them that their idenity has been verified when it, in fact, has not. Upon speaking with a supervisor in Chase 's credit identity verification department, she informed me that Chase is aware of the issue and that I'm not the first applicant to have been provided false information via the automated line that they provide to their customers. In other words, Chase Bank is knowingly providing credit applicants with false information about the status of their applications which is then leading Chase to violate the Equal Credit Opportunity Act by not responding to their credit applications within the mandated 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Re : A Formal Complaint that I am not eligible for a refund or reevaluation of the period that I made payments over the 120 months requirement of my student loan payments while being a federal employee because under the limited PSLF waiver I can not be reimbursed because I have already paid off my loan. 


Respectfully, This letter serves as my formal complaint with regards to the aforementioned subject matter. This complaint is based on the ground of my ineligibility for a waiver of my student loan for all my amounts paid over 120 months, while I worked as a federal employee. 
The original balance of my loan when I graduated from XXXX University in XXXX XXXX Missouri in XX/XX/XXXX was {$15000.00}. I began paying my loan promptly on XX/XX/XXXX. At that time, the only federal loan was the Federal Family Education Loan ( FFEL ) and it was promoted to the public as a federal loan. Accordingly, I made 15 consecutive years of on-time payments till the loan was repaid on XX/XX/XXXX. 
It is worth noting that I have worked for the federal government the entire time from XX/XX/XXXX to the present at the Social Security Administration. In XXXX, the law was passed to have federal student loans forgiven if one worked for the federal government. Accordingly, I filed my paperwork to have my loan forgiven on XX/XX/XXXX. However, my loan was rejected by the Depart of Education on XX/XX/XXXX. They stated that they can not honor Federal Family Education Loans ( FFEL ) and I need to consolidate to a Direct Loan Repayment Plan. 
The Department of Education also stated that if I consolidated on XX/XX/XXXX, they would not honor the previous 8 years of paying on the loan. Therefore, if I consolidated on XX/XX/XXXX the earliest the loan could be discharged was XX/XX/XXXX. This was not to my advantage because I would clear my paying obligations on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Westlake Services, LLC
State: NV
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-06-12
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX. 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. I provided this information to the ( 3 ) credit reporting agencies. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # 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 2023-06-12
Company: OneMain Finance Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, ONE MAIN FINANCIAL used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. ONE MAIN FINANCIAL reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2021-03-22
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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. 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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