BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MA
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 PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

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 an 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 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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given my written instructions to furnish this account so please remove this from my credit.

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 2023-12-14
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a student loan with Sallie Mae in XXXX for the amount of {$14000.00}. The first disbursement occurred on XX/XX/XXXX for the amount if {$7100.00}. After the disbursement I opted into Sallie Mae 's option to pay {$25.00} a month while in school to keep the accrued interest down. Upon receiving the second disbursement of {$7100.00} on XX/XX/XXXX I discovered I only needed a small portion and paid {$6000.00} back on XX/XX/XXXX. After that repayment in XXXX of XXXX Sallie Mae stopped including the {$25.00} for that specific loan in my monthly billing / payment. As a result, since the last payment in XX/XX/XXXX my loan has accrued {$3600.00} in interest. 

I began making full payments to Sallie Mae in XXXX of XXXX. The Sallie Mae app provides you with a total " current amount due '' for your whole loan portfolio each month. In XXXX of XXXX I decided I wanted to begin paying more than the suggested amount. Upon doing so realized that the loan I had taken out in XXXX said " no current amount due ''. After looking at the detail of my payments I noticed that out of the suggested amount I had been paying each month for the past year, none of it had been going towards that specific loan ; allowing it to accrue {$1200.00} in interest over this past year. 

Upon reaching out to Sallie Mae for an explanation as to why the app was not applying payments to my highest interest rate loan, they stated that because I paid that {$6000.00} in XXXX my loan was now considered to be in " prepayment ''. As a result, and WITHOUT MY KNOWLEDGE, the suggested payment amount from that point forward no longer included that loan even though the loan was still accruing interest. It was not until I decided I wanted to pay more than the suggested amount that I was able to decipher that the " current amount due '' for that loan had been XXXX even though it was accruing mass amounts interest, ultimately growing to a balance that is now {$3500.00} more than when I initially repaid the {$6000.00} to a total of {$11000.00}. 

I called Sallie Mae and spoke to a representative who even agreed with me and said that they see where I was misled to believe I was still paying on all of my loans, and that they see how the app itself can be misleading. Even still I was told that there is absolutely nothing that they can do. 

I find it wrong that even though I have been making the required monthly payments to Sallie Mae I am now worse off than before because they failed to inform me that a prepayment would excluded that loan from my monthly payment. I believe Sallie Mae should be held responsible for these actions in some way. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: General Motors Financial Company, Inc.
State: GA
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 see a lot unidentified inquiries on my credit profile I did not apply for and I want to fix this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: CITIBANK, N.A.
State: MA
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 I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2023-02-11
Company: Possible Financial 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:
This account is closed but still showing Collection/Charge-off as a payments status and {$710.00} past due plus account remark as " Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I access my free annual credit report from all agencies using the designated site since its inception. For the last few years, at least, I have not been able to access the report from TransUnion online and always have to request a paper copy. This adds an unnecessary delay when trying to mitigate fraudulent activity associated with my social security number. Considering there have been prominent major security breaches at retail, tech companies, and the government, the issue of instantaneous access is more important. 

Recently, I was notified that there was a workers compensation claim submitted on my behalf. I have not seen a reduction in hours, been laid off, or terminated due to the pandemic so this issue is concerning. I have notified my employer and state officials. However, when trying to access resources to determine the scope of potential threat I can not access my credit details online from TransUnion. I have called and was instructed to request the paper copy, which I did, but again when things happen at the speed of technology using paper and the mail greatly reduces the ability to get ahead of the problem. The steps the annual credit reporting site uses to verify my identity for TransUnion do not work. Trying to resolve the issue online requires a XXXX or XXXX account and their contact us page offers little to no help - it is like going down the rabbit hole. No ability that I found to get instant help to fix my account to work better with the annual credit report site. I appreciate the extra security but there appears to be a flaw in their system that wants users to request the paper copy and when time is of the essence they are no help.

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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I entered into a debt management program with American Express on XX/XX/2023. The terms are XXXX payments of {$22.00} on the XXXX of each month. The debt management company paid the payments in a timely manner and I was still marked delinquent and American Express is refusing to correct the information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call from XXXX at XXXX today. The person on the other end of the phone identified himself as XXXX from National Credit. When I asked him for his supervisor 's name, he hung up on me. I looked up the phone # on XXXX and found it is actually for the XXXX XXXX in XXXX MO. I believe the person calling is either using fraudulent tactics to obtain information and/or money from me ~or~ is at the very least illegally disguising their phone # if they actually do work for National Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
On XX/XX/2020 My dad had called Walmart to have me removed from his account and told them that this was his account and that I was just a person who he got an extra card for and that this account is his responsibility I also had myself removed off the account as well.Walmart removed me. This is my dads account we have the same Identical name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: CA
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:
Dear experian this is the 6 report and dispute I have done and yet you have not delete that inaccurate information or account on my report this si final action after this I will be sue Experian for fraud, identity theft not only are u doing a horrible job but violating all my consumer rights down below are the laws that have to be enforced when it comes to my credit report if this is a not taken care of by next week I will sue for {$300.00} million class action lawsuit for inaccurate information I have already XXXX people ready to start this class actio law suite the account I want to delete from my account is. Challenge financial devices automotive 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2023-12-04
Company: EQUIFAX, 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:
per 15 USC 1666b These account ( s ) are harassing me and holding me in bondage bu breaking 15 USC 1666b. By doing this I have not been able to utilize my credit based on the manipulation of the consumer report. HOLD these companies to the fire and Update the consumer report to show NO LATE PAYMENTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-26
Company: Genesis FS Card Services, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: AL
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:
I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.

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 2023-01-07
Company: Valor Intelligent Processing, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've received a letter stating I am in debt collection from XXXX XXXX. I have never had a XXXX XXXX account in my life. This is not my debt. How do I remove this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
With the prepaid card " paysign '' through bank of America produced for the company XXXX XXXX, on Saturday, XX/XX/XXXX between XXXX and XXXX XXXX charged a fee separately for multiple declined transactions at the same location where no money was spent as it is not possible to overdraw through this account. 

After checking the cards " complete '' list of fees, there is no mention of a fee for declined transactions, and further more, I am unsure if it is even legal to charge a fee for a transaction that never took place, disclosed or otherwise.

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 2021-08-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I atgneoted to apply for a mortgage and it was brought to my attention a judgement was made and a lien is on me for XXXX $ by company LVNV funding. I attempted to call to settle this unknown lien from XX/XX/2016. I have the lien information and the lvnv company has no record of me or my SSN and can not help me erase this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A woman names XXXX XXXX my aunt who was only to hold onto the check because me and my family had lost her home living in the car and unfortunately she deposit the check and endorse it without me being aware and deposited a check made out to me XXXX XXXX from the lawsuit winning she endorsed my name on, and Chase bank allowed her to deposit the money to her account. She refuses to return the money I contacted the banks they told me to reach out to the writer of the check I reached out to a lawyer they have not responded. And it is a {$30000.00} deposit from XXXX law that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am contacting you about the compromise of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Listed Below : 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