BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: SC
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:
After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or XXXX and my XXXX amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent Collections XXXX XXXX XXXX- {$460.00} XXXX XXXX XXXX- {$620.00} Inquiries XXXX XXXX ( Bank ) XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened up a account with XXXX and immediately notice the loan mart account because I have never had a auto loan with loan mart never so I called them and spoke to a guy name XXXX XXXX and I was talk to him and gave him the account number XXXX and he asked me my name and I told XXXX XXXX XXXX and he immediately told me that this account belonged to a XXXX XXXX so i asked him why was it reporting on my Credit report and he stated that he had no idea and every time i call now they act as if they have no information or they don't time or try to rush me off the phone so something isn't right so please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I requested a check for my rent to be sent to XXXX XXXX XXXX in the amount of {$570.00}. My bank, MoneyLion, deducted it from my account along with a check fee of {$2.00}. It was stated in writing it would take no more than 2-4 business days. On XX/XX/XXXX I received a message from my landlord that they still had not received the check. I called MoneyLion immediately and was told " give it one more day ''. We did and the check never arrived as promised. I called back again on XXXX and asked for a stop payment and was told I can not do do that since the check has already been processed and they would escalate the issue and " someone would be getting back in touch with me in XX/XX/XXXX hours ''. I patiently waited and did not receive any correspondance. I called again on XX/XX/XXXX and demanded to speak with a supervisor by the name of XXXX XXXX and she assured me she would escalate it personally and refund me for a late fee I have now incured because my check is considered late for rent and " she would call me back in 24-48 hours ''. Again, no call. I called again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have been told it is out of their hands as the issue has been " escalated ''. I have also sent multiple emails requesting my money to be reimbursed. I have been given the run around and no money has been returned as promised. As a bank with my money in it, I'm not sure why this can not be done ASAP. Please help me look into this. Amount owed is {$570.00} plus a late fee due each day that the check has not been received in the amount of {$150.00}. Thank you! 
How it started

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I realized this year there was a credit card in my name that I never opened, I filed a ftc report and submitted it to the bureaus, I spoke to the bureaus in regards to the account as fraud, after I submitted the report, it is still there on my report. I spoke to navy, and in order to open a credit card with navy, you have to have a checking account as well, which I do not have, I spoke to the banking side, which couldn't find a banking account which was strange. If you look at my credit profile I dont even have much credit. I'm just starting out. Anyway, they transfered me to cards, I explained to them that I never had an account, they haven't sent any docs to verify any accounts, and Ive disputed it soo many times. Pursuant to 15usc1681b no permissible purpose, FALSELY placing a account on my consumer report is grounds for imprisonment or {$1000.00} for the violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm a victim of ID Theft. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-13
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received alert through XXXX that my score dropped due to a medical data bill that Im unaware. I disputed a bill with XXXX XXXX months back because I received charges from a medical source in which we can not verify because the debtor has XXXX different names theyve reimbursed my money for that & reported it to fraud. Now weeks later I receive a derogatory account on my file for medical data system a different name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Was not notified of investigation status or results

Complaint:
this was not sent in error i am a consumer by law and my informaton was misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 explanation
Consumer complaint received 2022-03-03
Company: Selene Holdings LLC
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 is missing that should be on the report

Complaint:
This letter is regarding credit report entries which are not being reported as required by Federal and State laws on my personal credit report account under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus. 
On or around XX/XX/XXXX, the credit report scores belonging to my husband and I, dropped XXXX points because previous servicer, XXXX, closed our home loan account with the credit bureaus. We were notified by the previous servicer, XXXX, that Selene Finance would be the new servicer on our loan. We have made payments to Selene Finance since XX/XX/XXXX, and they have not reported any activity on our credit report. 
In addition, we have contacted Selene Finance for the following three other issues regarding the servicing of our loan : 1. The loan amount since XX/XX/XXXX is incorrect according to a letter from the previous servicer. 
2. Selene Finance is collecting money for home insurance in the monthly escrow payments but has refused to pay the company who we selected for our homeowners insurance. We received an email that the company is going to cancel the insurance if they do not receive payment. 
3. We have not received an escrow disclosure form from Selene Finance. 
As a direct result of the closing of the loan from the previous servicer and Selene Finance not reporting our current payments for the last 3 months, we have been financially harmed with a higher insurance premium on our auto and homeowners insurance policies. In addition, we have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries : XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611.

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2023-07-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Synchrony bank. I am over due paying my credit cards. I admit that. They are calling at least 10-15 times per day. I have screenshots of calls that are coming in 4 in a row within a matter of 20 minutes. This happens several times a day. They come from all over the US. For example. Just today I have received calls from XXXXXXXX XXXX XXXX in between those have been 3 unknown numbers starting at XXXX Between yesterday and Wednesday all of these calls were received by XXXX ( yesterday ) XXXX and then I blocked them. Wednesday it was same number XXXX. In between all of those came calls from XXXX. I was hit by a XXXX XXXX and can no longer work. We have been waiting for XXXX for almost 2 years. I just need the calls to stop. I am stressed enough and I have nothing to offer or pay. We are well below the poverty level. I went from a full time good job to nothing.

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 2021-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XXXX XXXX JPMORGAN CHASE sent me a settlement offer in the amount of XXXX due within 30 days I sent two money orders securely attached with staples and staggered so as to make them visually seen. They mishandled the XXXX XXXX money orders and posted one payment to my account and did not post the other. Upon submitting copies of the money orders they posted both payments sent a letter thanking me for my final payment and then proceeded to retract the letter stating they did not receive payment and that the settlement offer was revoked. They claimed they did not receive the payments or the funds had been sent back for lack of funds. On XX/XX/XXXX, I proceeded to send them receipts from the store of purchase the stubs from the money orders the copies of the letter showing items securely attached and also the telephone number from XXXX XXXX that shows they cashed one and did not cash the other although both had been sent on the same letter. JPMCB is in possession of all proofs of payment and receipts as of XX/XX/2021 they had scanned and uploaded into their system with no change being made to the credit reports. Fiduciary duties have been ignored They failed to have a proper accounting They failed to show reasonable care and diligence when posting the received payments by only posting one payment of the two securely enclosed in the same envelope They have acted dishonestly by reporting the account to the credit bureaus incorrectly even after being supplied ample proof of payment. 

Todays date is XX/XX/2021 Chase has not made itself accountable for its mishandling of the funds and has cost me 2 job opportunities for its wreckless acts. They have also invalidated the settlement agreement by FRAUDULENTLY stating the payments had been sent back or not received the payments have not been cashed and they posted one of two XXXX XXXX  money orders from the same envelope. They even went as far as saying the shredded the other payment without any proof that this in fact happened. Which would also constitute lack of care in handling currencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation TARGET/TD Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 6. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 9. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation MIDLANDCRE Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: MI
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:
HI. I have challenged information that is being reported by XXXX XXXX for a vehicle that was stolen. I had insurance and XXXX XXXX has reported to the credit bureau I owe " {$15000.00} '' and added damaging remarks of 'Voluntary repossession '' and " Voluntary Surrender ''. I do not owe any money on the vehicle and I did not voluntarily surrender or voluntarily give up any vehicle. This reporting to the credit bureaus is incorrect,

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