BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.

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 2022-03-02
Company: Hillcrest Davidson & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency sent my a collection debt letter in XXXX. I responded back with a verification debt letter in XXXX. Weeks later, the company report this debt to the credit report. I respond back again with another debt verification. This collection agency still haven't response yet.

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 2019-04-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attempted multiple times to come to a resolution with Navient concerning my private loan repayment options. I was lied to and told I had a co signer which I did not to try and scare me into making higher payments. I was then told I couldnt be in default and get on a lower payment program so I paid money to get out of default to only then be told by the next representative that I had to be in default to qualify for lower payments. I have now had to settle this debt with a debt collector to avoid garnishment. 
I was given an {$18000.00} loan with no job and no co-signer but a very high interest rate. This is bad and potentially illegal practice to do to children that they will suffer for the rest of their lives rather than just denying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
There is a bug in the Chase XXXX where customer activate cashback offers, they show as activated, but then when you go back to them, they're not activated. It's only a bug in their XXXX XXXX, not on the website. I have brought this issue to their attention repeatedly and have only been met with useless canned copied and pasted responses from their useless outsourced customer service morons. I activated a XXXX XXXX 's cashback offer prior to discovering the bug and then made a purchase. Later I saw that despite my having activated the offer, it showed as not activated in their app. I contacted Chase Customer service and was told it would be escalated and taken care of. This was over two weeks ago. Since then I have contacted them twice and received assurances that it would be resolved. It still has not, over two weeks later

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America allowed a fraudulent company to open an account with fake credentials. An employee was either in on it or incredibly negligent. The police office said the credentials were clearly fake. This account was used with a fraudulent website. I was trying to purchase construction equipment from a dealer. Bank of America employee told me that the account was a fellow Bank of America customer and that I could deposit money with a deposit at counter and save the fees. Unfortunately, after I did that they informed me the money could not be stopped and the payment could not be canceled when it was determined to be a fake company. A local police department with none of the resources that Bank of America has immediately determined what was going on. The amount was then allowed to be slowly sent to XXXX using XXXX. Bank of America has no interest in fixing this because they profit from it. When I tried to connect with Bank of America they slow play everything. They have a fake CEO email address circulating on blogs that get forwarded to zoomers who then just give you the run around. They provide the platform and the means for criminal cartels to steal the money in California, and then send it to XXXX, and claim to have no liability in facilitating that.

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 2019-08-02
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received notice today that my credit limit has dropped by {$3600.00} which has negatively impacted my credit score. As far as I knew, my credit card was paid off in XX/XX/2019 When I called synchrony bank I was told I had a past due balance of {$2.00} for several months. The amount increased to {$6.00}, which I received a notice about last week and paid online. I was shocked to find out my credit limit would be dropped so much for {$2.00}. I was told back in XXXX and XXXX my payment was late. I called back when that happened and let them know one of my children committed XXXX and they worked with me. I don't understand why 8 months later they would decide to drop my credit limit due to this. I have made payments on time and paid off the card several times.

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 2022-12-02
Company: EQUIFAX, INC.
State: CO
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 16B1 15 USC 16B1 section 602A States I have the right to privacy 15 USC 16B1 section 604A section2 States that a consumer reporting agency can not furnish an account without my written permission or instruction to do so.

15USC 16B1.C ( AthruC section ) states no consumer reporting agency can release any adverse account information other than records of criminal convictions that are older than seven years.

15USC 16B1 section 2 ( A ) ( 1 ) States that a person shall not relay any information of a consumer to any consumer reporting agency if the said consumer know or has reasonable course to believe that any information on any credit reporting agency is inaccurate Last year my identity was stolen. 
Since that time i have been shotgunned through out colorado I have filed with CBI and the Federal bureau of investigations and have reported identity theft to the three consumer reporting agencys. 
I am also adding XXXX to this report XXXX has violated my federal rights to privacy and equality XXXX consumer center consumer number XXXX case number XXXX XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality XXXX XXXX XXXX XXXX XXXX 
XXXX has violated my federal rights to privacy and equality Equifax Information Services LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/18, while on the banking website, saw an offer to switch the checking account to a Cashback Rewards Checking account. Followed the steps to do so and received the following error : We are unable to complete your request. The system is currently unavailable. We apologize for the inconvenience. Please try again later. 
I called USAA and they opened a web support ticket to inquire why I was unable to process the request when the banking agents confirmed there were no issues they could see that was creating the hassle. 
I followed up with agents on XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and was consistently informed web support was still working on the issue, keeping me on hold while the agents tried to find out more information, calls being disconnected after extensive holds. I did receive a voice mail on XX/XX/XXXX from a XXXX in web support asking me to call back USAA. When I did on XX/XX/XXXX, I spoke with XXXX, and after the extensive hold and the call disconnected, I had not followed up since, waiting for another voice mail update. 
I called today, XX/XX/XXXX, having received no further voice mails and still receiving the same error message on the banking website. I was informed by XXXX, in web support, that the ticket had been closed XX/XX/18 and he would need to open a new one. 
I've been told the banking agents themselves are unable to process the request to change to the Rewards account, that only clients can initiate and complete the request/transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The following personal information is incorrect Account Number : EMPLOYER : XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2022-12-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-05-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IA
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:
I have had multiple issues, most notably with maintaining my loan deferment status. After calling and speaking to two different representatives I was told that I needed to submit the deferment loan forms every semester of my XXXX program. There are a few problems with this. First, the only option is to mail paper documents, which is inconvenient to do nine times ( my program is 3 years long ) and also elongates the process for obtaining deferment approval, without immediate confirmation. In addition to filling out several forms that includes my social security number, my advisor is required to fill out this paperwork as well ( nine times ) and include my class schedule and a stamp from the university that I am still enrolled. After speaking with my advisor, he is dumbfounded as to why this excessive paperwork is required because the loan company checks in touch with the school each semester anyways. He has never heard of such a requirement. My other loan company, XXXX, only required me to submit these documents a single time and even covers my deferment period months past my graduation date. The words I used when speaking to the representatives at heartland were, " I feel like you are setting me up to miss a payment ''. I am currently a full time CRNA student and we do not have any breaks, so there is no reason for me to have to refill out this paperwork. I am busy with 80 work weeks without any income and I am worried about my credit score. They are horribly hard to get ahold of and speak to on the phone to begin with. As a result, I have begun the process of consolidating my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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 submited a complaint to bank of America # XXXX and its been more then 60 days and I haven't got a response

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 2015-09-04
Company: Bliksum, LLC
State: SC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out a loan from this company, just after I took out this loan I was displaced from my job of 6 years, I was trying to do the right thing and notify this company of my displacement. I told them would like to set up payment plan until I get back to work I also told them I had to close my checking account the money wo n't be there do not debit my account they debited my account anywaysThen charged me XXXX on my account, the rep or supervisor refused to work with me telling me I had to pay the regular payment told them I do not have the money or resources at this time they told me nothing they can do, this company refuses to work with meOr set me up on any repayment plan which would allow me an opportunity to repay the loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
I have sent letters regarding fraudulent information in my report, but I did not receive any response. It is my right to dispute something inaccurate and also to receive response from what I sent. They have violated my rights because it has been 30 days.

Company response to consumer: Closed with explanation