BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
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 a 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 2023-10-23
Company: Navient Solutions, LLC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My school loans with Navient have been discharged since XXXX of this year. It is reporting closed on every report except XXXX. I have tried to dispute several times and it says it comes back accurate. I have called Navient several times and they say they will report it and never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account numbers XXXX, XXXX has violated my rights. 15 USC 1681 section 602 A, states I have the right to privacy, 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information ; Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is accurate,

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 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As of XXXX XXXX today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?

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 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On the month of XX/XX/2020 I CONTACTED PORTFOLIO RECOVERY ASSOCIATES. To dispute a validation about purchased debt from the original creditor XXXX XXXX, in the amount of {$370.00} A DEBT THAT I DO NOT OWN* I tried talking to multiple agents at Portfolio Recovery Associates to removed the False inaccurate account from my consumer report. As a result we were not able to come to agreement to removed this false and inaccurate information from my consumer report I feel my rights have been violated as a consumer and have been taken advantage By XXXX XXXX  and Portfolio Recovery Associates. Section FCRA 611 ( a ) as it states failure to investigate items within 30 days gives reason for deletion immediately. It has been well over 60 days and this account is still reporting to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have a sams club master card issued by Synchrony bank. every month when statement comes in i pay the full amount, Example latest statement with due date XX/XX/XXXXbalance of {$2200.00} as soon as statement came in i paid the full amout they credited my act. XXXX so as of that date i should have the full credit amount to use of {$3800.00} but they put a hold on my act and say i only have like {$600.00} to use. I called the cust. service number and the agent i spoke to has no clue why she had no answer. she agreed with me when i said because i pay in full every month this bank doesnt want to deal with me as im not a asset to the stock holders and they are not making a high interest off of me So there not making it easy for me and trying to discurrage me from wanting to use there card

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 2021-09-23
Company: KEYCORP
State: UT
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:
I had a checking account with key bank, there was some fraudulent charges from XXXX XXXX XXXX I reported this a d disputed it. These charges were well over XXXX  $ and it put my account negative. After 3 months and both companies agreed that the charge is both incorrect and fraudulent/mistake yet no body has refunded my money I am out over {$4000.00} and my credit score got several charge offs. Neither company wants to refund me and I keep getting passed off to the other. I have lost my job and because I couldnt afford my medication I suffered some life threatening medical conditions. I missed over a month of XXXX and racked up a {$30000.00} hospital bill. I need help getting my money back and getting the charge off off my credit report. They admit it was wrong but no body will help me. They hang up on me or never call me back and at this point I am going to get an attorney. This is my last attempt at trying to solve it without an attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit 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:
Chase sent promotional checks of 0.00 % interest for 1 year and I used one in XX/XX/ for {$1100.00}. I also have on this Chase credit card 'My Chase Plan ' balances that I set up months ago that if I pay a portion each month I avoid interest charges ( but I do pay a monthly fee that was less ). I recently received my bill and to avoid interest I must pay the promotional check balance of {$1100.00} in 30 days because I have an active My Chase Plan. I reviewed the paperwork of the offer with Chase customer service that states " Prior to taking advantage of this offer, if you did not have a balance or if you paid your balance in full each month, you did not pay interest on your new purchases. This is referred to as an interest-fee period ( also called a grace period ). If you take this offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ) you will lose that interest-free period. This means that you will begin paying interest on all new purchases even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' The agent at Chase stated that since I had an ongoing 'My Chase Plan ' active on my balance I was ineligible for this promotional offer because I do not pay my balance in full each month ( disregarding the My Chase Plan ). I disagree because I do pay my balance each month according to the My Chase Plan, and no where does it state that if you have an active My Chase Plan that the promotional checks do not apply. The language in their offer does not specifically state this and it is misleading. It should state that if you have an active My Chase Plan than this offer would not apply. The Chase agent noted my disagreement but did nothing to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been calling Bridgecrest multiple times in order to make a payment. A few weeks ago, my online account access is disabled and my account is in collections. I have been attempting to make a payment but when I call, I am told that I can't make a payment until someone in the Agency/XXXX  department calls me back. I have never received that call back and I need to make a payment or my account will be further in debt. It seems like this is being done purposefully so that my account will remain past due. All I want to do is make a payment on my car without risk of it being repossessed and going through a 6 month long process again. I finally got resolution to a prior issue and now I am encountering this. I need help immediately. No one is helping me out. I was told that a credit was applied to my account for my last issue and I do not believe that was done. If so, I need to see proof of it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am have been a customer of Regions bank since XXXX. The bank has been charging me an analysis fee for the pass seven year for a service that I was not receiving. XX/XX/XXXX the fee was {$15.00} per month. XX/XX/XXXX the fee has increased to {$40.00} per month. 

I went into my local branch and talk to the branch manager. He told me the bank no longer provides this serves and he would put in a ticket concerning the monies withdraw from my account. The branch manager called me the following week with an update. He stated my account would not be charged an analysis fee any more and that the bank would be refunding me the last three months of the fee that were charged to my business account. 

On XX/XX/XXXX I sent the branch manager an email. Explaining my concerns of being charged the last seven years a fee for a service I was not receiving and I did not think it was fair for the bank to only refund me for three months. I receive no response to my email so I sent another one on XX/XX/XXXX still no response. 

I am a small minority business owner that was blessed to keep my business opened after the challenging times of the pandemic. Your assistance with this matter will be greatly appreciated.

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 2022-03-14
Company: D&A Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recently submitted a cease desist to D & A Services. Stating in my demands that I am refusing to pay the alleged debt and to stop communicating with me through all mediums. D & A services are still contacting me without the prior consent per federal law states 15 USC 1692c ( a ). D & A services are damaging my reputation. D & A sent me false and deceptive forms. In that deceptive form they used obscane and profane language. They are coercing me to pay this alleged debt that I stated in my documentation that I am refusing to pay. In that file I also stated to cease communication with me and to answer questions and return it back to me. This company is operating under a different name pursuant to 15 USC 1692e ( 14 ). They sent me a false and deceptive form stating that Bureaus investment group XXXX XXXX XXXX is the current creditor so who is D & A Services? This is identity theft the original creditor never stated in the contract that they were doing business with D & A Services. Now this debt collector have my private information and my location abode without my permission. I recently was in the hospital XXXX XXXXXXXX XXXX due to these creditors selling my private information without my consent. I am out of work due to my XXXX XXXX. I can't even apply to jobs because this information comes in a public data. D & A services are civilly liable for willful non compliance with the federal law pursuant to 15 USC 1692k and 15 USC 1611. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The company is Navient. I am XXXX yrs old, my only income is social security. Paying them every month is a hardship for me but I am paying what I can. They don't accept this amount saying I owe them {$600.00} in back payments. They email me, they call multiple times everyday harassing me and I want them to stop. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights : ( XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX XXXX ) XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXX XXXX  Acct # XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Acct XXXX XXXX ( XXXX ) XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX Acct # XXXX 15 USC 1681 Section 602 states that I have the right to privacy .

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that the same information was erroneous. The XXXX credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXX XXXXXXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : 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 explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-18
Company: Bread Financial Holdings, Inc.
State: IL
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 paid off my XXXX Comenity Bank account in XX/XX/2022 with a final payment of XXXX. When I call customer service they confirm that my account is paid in full and yet they started reporting that my account is 60 days XXXX due snd it is negatively impacting my credit. Apparently, they have acknowledged that theres a glitch in the system and that they will be correcting this in XXXX to 60 days and that many people are affected and they claim that theres nothing they can do to correct the problem immediately although theyve been sending false information which is especially aggrevious since I have paid my account in full and yet they claim that I am past due. I have worked hard to improve my credit and am applying for a loan and was horrified to have this appear on my credit report and no one willing to correct it when I contacted them today on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Accounts are still open/in use and not fraud. If it was submitted to be it was by mistake. Company will contact for update soon XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX account is to be still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX account is still Open This was not apart of the fraud on my account they just bunched it in. Please change the status with the bueros and make my card usable asap. 

Letter with copy of Social and ID were sent XX/XX/2022 with info to all companies/bueros

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Partnerships & Investments, LLC
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During the month of XX/XX/2020, I lost Job do to the Covid 19. 

I reported It to the company : American Leading Finance and ask for

and evaluation for monthly moratory. It was recently denied, they claim I was not paying bills on time. I told them I lost employment and department of labor Have not give me my Unemployment benefits do to controvertial Point. All payments are on hold. I have reported to every finantial Institutions about this matter but There is No help, only treats to collect and report to credit burea missing payments. Please let me know What other options I have. I'm considering going Bankrupt soo
n.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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 XXXX XXXX XXXX act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX XXXX collections account # XXXX 15 USC 1681 section 602 A 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 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 atendates the report by more than 7 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 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 non-monetary relief