BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-24
Company: Avant Credit Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I opened an account with AVANT in XX/XX/XXXX to help us pay a deposit to move into a house, we reached out to AVANT because they were able to approve us for the loan of XXXX  with payments of {$250.00} a month for 36 months. We had minor issues paying AVANT, but they worked with us to resolve them. Fast forward 2 years and for some reason, the ACH withdrawals would process days before the scheduled date ( would either puts us in the negative or wrong amount would be debited ). We called to make arrangements to split payment up to, $ XXXX/ {$120.00} every two weeks to make it easier to repay ( changed due date ), somehow the full payment processed and they had to refund us half the payment couple times. We called to complain about poor customer service ( the interest rate ) and to cancel the ACH ( to remedy ACH issue ) and was told it wasn't allowed to cancel based on the contract. My wife who is a loan officer stated no company is allowed to keep a customer on an auto-pay system and the customer has the right to cancel upon request but is still required to repay a loan. We told them about the CFPB violation and they quickly canceled the autopay. We made a payment that processed properly after that we attempted to go on a payment plan that cut our payment in half per month, we agreed to the terms and a couple days before the due date of the first payment of the payment plan, Avant attempted to debit {$270.00} the same week as the payment plan payment. My bank charged me an ISF fee I called them only to find out Avant was trying to debit the amount. Remember we already canceled the auto pay, so when we agreed to the payment plan it reactivated the auto pay where attempted to debit our account, we explained this to our bank and recommended a stop payment until we resolve to issue with the creditor. I called recently to find out they added over {$1000.00} to remaining balance and posted a late payment on my credit report. Instead of trying to resolve the payment issue they are using predatory tactics to debit our account. We initiated the payment plan to get current, they are trying to take more than was authorized which a breach of the initial contract and the repayment plan contract which specific dates they breached. Avant has mishandled my account since i opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

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 2023-05-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian Consumer Relations XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to express my deep frustration with the handling of my recent credit report dispute. Despite my repeated attempts to have certain items on my credit report investigated and corrected, I have encountered significant resistance and have not seen any progress in resolving the issue. 

On XX/XX/2023 and XX/XX/2023, I submitted a dispute regarding a few items on my credit report. I provided detailed explanations and supporting documentation to substantiate my claims, yet I have not received any indication that these matters are being appropriately addressed. 

This ongoing lack of action on Experian 's part is not only concerning but also damaging to my financial well-being. I expect and demand that my dispute be handled with the utmost attention and in accordance with the law. 

I urge you to promptly review and address my dispute and provide me with a clear and timely resolution. I also request that you provide me with regular updates on the progress of this matter. 

I am prepared to take further action if this issue is not resolved to my satisfaction. 

Sincerely, 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 2022-11-14
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-10
Company: Paypal Holdings, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/23 I received a notification from, what I thought was Paypal, regarding a transaction on my account for a purchase that wasn't mine. 
I contacted the fictious company, and they hacked my phone and was able to get into my Venmo account and PayPal account. 
I reported this to my bank and they were able to stop the transactions for both. 
Venmo dismissed the balance but PayPal wants me to pay the balance. 
Please help. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This morning, XX/XX/19 at approx XXXX EST, I called my bank, Chase Bank, to ask questions about XXXX, a monetary transfer service that the bank uses. I was planning to purchase concert tickets from XXXX XXXX, and I was advised by a representative that if there were any problems, that I could file a claim with the Chase Fraud department. I had never used XXXX before but that was the service preferred by Mr. XXXX. So I sent money though their service, XXXX, under the impression that I could rely on my bank to help me in the event of foul play. 


Minutes later when I did not receive my tickets and could not reach Mr. XXXX, I called Chase to cancel the transaction, and was put on an extended hold. I was transferred four times, to be told that it was too late to cancel the transaction  and that they would not dispute the charge. They said that it was the equivalent of giving away cash, as opposed to a credit or debit transaction. I was told that I should have called the Fraud department regarding my questions about XXXX, and not their telephone banking department. I have been a loyal Chase customer for ten years and I am surprised by the lack of empathy and customer service. I will be closing my account immediately. 

Do not use XXXX, do not bank with Chase, and be careful with ticket sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: MD
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 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 explanation
Consumer complaint received 2022-11-14
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 a 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
Consumer complaint received 2018-05-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX engaged in unethical behavior by canceling my lowes card for false reasons. 
On XX/XX/2018 I received an alert on my credit report that's account of mine was closed. Having not initiated this closure immediately counted lowes credit service. They told me it because a had delquent accounts. Well I called them out on that because I knew I did not have any. Well I was put in touch with a XXXX in the excutive offices he was no help and did not even try to help he was oh well. I was then contacted by a XXXX in the excutive offices she sounded like at first she wanted to help. She told me she would send it up to her risk management team and they would pull my credit again and make a decision, just Incase there was an honest mistake. Being humans a mistake was possible so I'm like ya go a head she the told me it could be 7-10 days before they know the out come. So when she finally found an answer she was like sorry we can not pull credit again your just out of luck. So I then was put in touch with XXXX boss who told me if I get I copy of credit report and it showed no delinquencies she could get it reopened for I did that and there are NO delinquencies on it. Anther hoop synchrony wanted me to jump through that I did and it was not go enough. She finally said she could not help me and would have the VP of synchrony help me. Well the VP called and offered no help at all. Then I was put in touch with XXXX and he tried to tell me that XXXX XXXX reported my credit card late so immediately called them and guess what they no. Even provided me a letter to prove that the info synchrony got from XXXX was in correct. Still did not help. I honestly believe that some where along the line an honest mistake was made and they have gone above and beyond to cover it up. Have also been waiting for someone to call for over 3 wks to settle the account they closed for fraudulent reasons. Also I have attached the letter stating the account was closed for delinquent accounts and my credit report showing XXXX delinquencies. Also attached is the letter from XXXX XXXX stating that did not report any delinquencies in 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX 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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-10
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: Was not notified of investigation status or results

Complaint:
I sent off a letter on XXXX XXXX about inaccurate and unverified information on my consumer credit report. I've sent out follow up letters on XX/XX/2023 to get an update and i have yet to receive a response to either my initial or secondary letters. It has been well over thirty days and i feel that i am being ignored. It is Consumer law that failing to investigate these issues within a thirty day timeframe is cause to have those items removed from my consumer report immediately. It has been forty days and they should be removed immediately or i will file for ligation to compensate me fore the troubles and stress this has caused. Not to mention the several data breaches with XXXX and 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 2018-10-29
Company: AES/PHEAA
State: CA
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:
On XX/XX/18 I realized that I never received an email for my XX/XX/18 billing statement due XX/XX/18. I emailed XXXX  XXXX and let them know that I did not receive my bill. They suggested that it may have gone to spam, which is weird because it never had in the few years I have been paying back my loan. It was not in spam. The next month, I again did not receive my billing statement via email ( the missing XX/XX/18 bill was noticed as missing XX/XX/18 ). I again emailed XXXX XXXX, who again suggested that it was probably in spam ( it was not ). I asked for a copy of the server log to prove that the emails from the last two months went out, and they refused to provide this information. I do not believe that they ever sent the billing statement to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

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/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

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