BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: EdFinancial Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, my parent loan amount was assigned to the provider, Ed Financial Services, https : //edfinancial.com/welcome. The provider reported the balance of the loan, {$15000.00}, to the credit agencies in XX/XX/XXXX. Since then, I have made five payments ( see attached ) from XX/XX/XXXX to XX/XX/XXXX. During the process of making payments towards the loan, XXXX XXXX has never reported the updated balance to the credit agencies since XX/XX/XXXX. I made calls to them on at a minimum the following dates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was told their system was broken and they were not reporting to the credit agencies ; however, they would expedite my account and it would be reported on XX/XX/XXXX. As of today, XX/XX/XXXX, nothing has been reported. This is impacting my credit score. The loan is paid in full but is not reflected on my credit report. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: AL
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:
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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, XXXX charged my XXXX credit card by {$41.00} automatically for subscription. I dont want this item so I returned it once I receive the item and expected a refund like usual. However, XXXX failed to process the refund. The balance stayed on my XXXX  account. I didnt receive any notice from XXXX about this balance that I dont realize at all. I got the late payment reported to the credit bureaus by XXXX. 

Once I found out my credit score drop dramatically I realized the amount and paid immediately. And I reached out XXXX they tried again and refunded me on XXXX. 

I tried to work with XXXX to revert the miss payment report. But they refused. 

There are two reasons that I believe they should help to remove this record : 1. I received no notice of the amount from XXXX 2. The delay of refund from XXXX failed to process in XXXX and I am not responsible for the balance Thank you for helping to investigating the issue! 

I am very appreciated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all iinquiries listed above has been made without my knowledge or consent and is identity theft/fraud and all these needs to be removed immediately. i have reached out to each and merchant to to provide them with the requested documents and nothing has been removed in which was promised due to 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 2021-10-19
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
THE HOMEDEPOT CREDIT DEPARTMENT MADE A CHARGED TO MY ACCOUNT OF ALL THE AMOUNT OWED AND THEN CLOSE MY ACCOUNT WITHOUT MY AUTHORIZATION. WHEN I FOUND OUT I CALL AND REQUEST MY MONEY BACK AND THEY DID RETURN MY MONEY, BUT IT IS AFFECTING MY CREDIT REPORT. HOW CAN I FIX THIS?

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 2021-10-18
Company: Harris & Harris, Ltd.
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:
THIS IS A REQUEST OF VALIDATION. THIS COMPANY HAS YET TO RESPOND TO MY PREVIOUS ATTEMPTS TO PROVIDE A CONTRACT SIGNED BY ME BETWEEN THEM AND I. NO DEBT CAN BE COLLECTED WITHOUT THE PROPER STEPS BEING MADE. PLEASE SE FCRA SECTION 609 ( A ) 1 a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an identity theft event take place at a gas station in Louisiana while on a vacation trip and this resulted in a fraudulent transaction on XXXX. Someone stole and used personal information ( name/address/DOB ) from my driver 's license to purchase a jewelry item at a XXXX store located in an area that we traveled through. The original creditor was XXXX XXXX. ( a no-credit-check personal loan company ) This was originally disputed with the credit bureaus and the original creditor did not reinstate the item. In late XXXX, XXXX apparently bundled it with other debt and sold the package to a debt collector XXXX Lewis McDonnell & Associates. I disputed this again in XX/XX/XXXX with XXXX. Lewis McDonnell & Associates reported back to the bureau that it is a legitimate debt. They provided the same field data originally provided by XXXX with no additional supporting documentation and the bureaus upheld it. They have in their possession a loan document e-signed fraudulently using an email that I have never heard of. They will discuss this document verbally over the phone, but thus far have been unwilling to provide the actual signed document. Despite requests from myself and the bureaus via the XX/XX/XXXX dispute. On XXXX XXXX XXXX CST I requested a copy of the original e-signed document again from Lewis McDonnell & Associates on a recorded line and XXXX at the attorneys office agreed to email it to me. I provided my email address and an hour later I received a request to esign a " new '' legal document generated from earlier loan documents but now with my actual email and a tag to sign on the last page. Nice try. 

They have not responded to my 2nd request today, to be dealt with in a fair and reasonable manner given that identity theft is a crime and they have obligations under FCRA to provide evidence that their claim is based on. I have no response from them at this time and feel that a heavier hand may be required for them to fulfill their obligations there. I also explained that this withholding of documents is potentially delaying my full licensure with a mortgage company. This has been escalated today to my local police department, a formal complaint to the XXXX, and now to the CPFB. All over a simple matter of identity theft and an unscrupulous debt collector 's attempts to collect a debt while shirking their own responsibilities of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Today XX/XX/2021 I was denied credit under false pretenses. Affirm emailed me saying I was denied because they could not verify my identity, I called experian which is shown on email as the source. I called experian and they stated all of my information matched what was submitted from affirm. 
I sent a email requesting more info and questions on how can I verify my identity with them, I received a response to call or email them. I called affirm and the supervisor stated they receive information about me from various sources and did not disclose those sources when I asked for the information. I was able to verify with representative all information was correct but This company has found a way to discriminate against me by using the not being to verify me as a cover up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: PA
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 to the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

15 USC 1681 Section 602 A states- I have the right to privacy.

15 USC 1681 604 A Section 2 states- a consumer reporting agency can not furnish an account without my written information.

15 USC 1681c ( a ) ( 5 ) section - No consumer may make a consumer report containing any of the following items of information. Any adverse item of information other then records of convictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I accrued charges for XXXX  XXXX  in excess of {$8000.00} last XXXX and have been making regular payments since then. The charge, on a promotional offer, was advertised to be no interest accruing for 24 months. Finally, after making payments well over the minimum, and at times more than once per month, I got the balance down to {$910.00}. My last payment was made on XX/XX/2020 in the amount of {$320.00}. When I made that payment, the amount due ( as shown on my account information on their website ) stated that no payment was due. Since I wanted to pay this loan off, I made the {$320.00} payment anyway. To my astonishment, when I logged on the website today to view my balance, I saw they charged me a late fee of {$29.00}. Immediately I called the customer service number provided but a voice recording said the wait time would be in excess of 30 minutes due to a large call volume. I wait on the phone for a few minutes but hung up. Instead, I wrote a message to them regarding this matter but it is probably too soon to get a response. For the life of me, I don't understand how they and other financial institutions like them are allowed to continue these deceptive and unscrupulous practices. We can do better as a nation! Finally, I want to add that this isn't the first time it's happened with CareCredit. A few months ago, the same thing happened. On that occasion, I called and got the charge removed. My concern is, I shouldn't have to check to see if I am being fleeced by them!

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 monetary relief
Consumer complaint received 2020-12-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had two accounts with Chase bank. Check close of the checking accounts without notice and took the {$900.00} that was in the account without consent. When I tried to call chase customer service without this matter all I get is the run around. With no answers about my money. Also Chase recently charged my account {$34.00} overdraft fee for every transactions that hit my account. Not only is Chase stealing from their customers this XXXX XXXX bank is abusing their customers. I plan to take legal action against this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As I reviewed my credit report I noticed several inaccuracies with not only my name but with the addresses on my credit profile. These error are aiding in potential identity theft.

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 2020-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter from attorney firm representing a collection agency trying to intimidate me into volunteering my personal financial information over to them as a means to collect on this debt, which also implied they would take action against my home if I did not reply. Followed by that letter was another letter stating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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 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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX i had XXXX hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have asked for Ally to send me a payoff quote. I need this in writing. I am told I need to call in. When I call in, I have been hung up on several times and then the phone system seems to not to be working at all. I should not have to talk to them to get a payoff quote. I sent them the request through their secure website, and I have received other information and documents the same way. There is no reason why they should not be able to give me this information in writing. The longer they wait, the more interest is compounding. I am trying to see if I can pay this off now instead of continuing with the high interest rate.

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 2021-10-19
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The issue is to stop XXXX XXXX  from going through my account. It has been requested by email and telephone and XXXX  complaint. I received a call stating ot was resolved but recently I see the charge is still going through. I need to stop the charges from XXXX to current and BLOCK the merchant. 

On XXXX XXXX while speaking with XXXX a Manager, he disconnected the call after I repeated what he said or sounded like he said and he responds that " We are not taking it there '' I am trying to find out what is he talking about, Though I came through fully verified, XXXX requested my social security number and next thing he tried to send me to one of the branches. Needless to say I am more than 90 miles away. ) Then, he disconnected the after stating the above. 

I just wanted to speak with a manager after I requested one last week.

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 monetary relief
Consumer complaint received 2021-10-19
Company: Bread Financial Holdings, Inc.
State: RI
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:
XX/XX/2021 Comenity Bank decreased my credit limit stating a derogatory real estate loan which is not true. Comenity Bank is using false information to credit wise with their algorithm to handicap individuals of XXXX. I called before to address an error when it stated my credit score was a XXXX. There was no support or assistance with this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Bank of America has really become the all time worst bank in history! More returned funds have been done foolishly - and haphazardly - causing so many financial problems.and ironically, deposits- as in this case- were made within 48 hours to bring the account current! 
Bank of America lies ALL the time and pretends like they honor customer longevity but THEY DO NOT. 
They dont even allow debit card transactions to approve if the transaction is only one cent over an account balance! Ironically, they have a section that alludes to bank discretion- but it NEVER occurs. 
Not to mention, if Bank of America had any type of sophisticated financial computer system they would calculate the logistics of an individuals account management and would do much better -toward reversal on their horrible customer service reputation! 
AGAIN they have sent back my insurance premium to XXXX XXXX ( {$99.00} / XX/XX/2024 ) - causing me to lapse my insurance coverage - which Bank of America doesnt care.and a deposit was made ON THE SAME DAY to offset my balance! 
This has to stop or the CFPB, FDIC, FTC, SEC. and all other financial services must lodge a class action lawsuit against Bank of America!

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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