BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
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: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act.

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 2023-03-30
Company: EQUIFAX, INC.
State: GA
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 sir or maam The credit beruaes are in continuous disrespect of the laws. I have showed them several times how they are violating the Fair Credit Reporting Act. 

In according to 15 USC 1681B ( 1 ) do not have written permission.

According to 15 UsC 1681I ( 5 ) THE CREDIT BEREAUS HAVE TO MIDIFY OR DELETE ACCOUNTS THAT ARE NOT REPORTING ACCURATELY.

ACCORDING TO 15USC 1681 I have the right to privacy According to 15 USC 1681s-2 a person shall not furnishany information related to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors ( XXXX ) a person shall not furnish information related to a consumer to any consumer reporting agency if ( XXXX ) The person has been notified by the consumer at the address specified by the consumer for such notices, that specific information is inaccurate and the information is in fact inaccurate. 

I can continue to go on and on and someone needs to hold them accountable for this. 

I have sent documentaion and I continue to receive generated responses and no follow. This has caused me great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: MI
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:
To begin, I would like to ensure you have and ONLY keep ongoing, TRUE, CORRECT, COMPLETE, and MANDATED recited facts In agreement with FCRA regulations, any and all others that possibly can be described now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all not appropriate of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious info be it precise or unknown! 
Again, I DO NOT AUTHORIZE you to misreport any mis-information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles. 
( a ) I do NOT have any necessarily OTHER NAMES or aliases and I do NOT covet any OTHER NAMES or aliases to be retained or expressed, if ANY efface from reporting NOW or produce PROOF of your legitimate AUTHORITY to cling to much less report without infringing my consumer right ( s ).

( b ) I do NOT have any preconditioned to be OTHER addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY eliminate NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any needed OTHER SSNs and I do NOT desire any OTHER SSNs to be retained o r disclosed, if A N Y blackout from reporting NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s )..

( d ) I do NOT have any OTHER Dates of Birth and I do NOT have wish for any OTHER Dates of Birth to b e retained or communicated, if ANY expunge NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any telephone numbers and I do NOT have compliant-like salacity of or for any telephone numbers to be retained or made known, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT have ambition for any employers to be retained or reputed, if ANY exclude from reporting NOW or product PROOF of your Page 1 of 7 legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/ roommates/ co-applicants and I do NOT aspire for any spouses/ roommates/ co-applicants to be retained or divulged, if ANY omit NOW or product PROOF of your legitimate AUTHORITY to much less report without infringing my consumer right ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IA
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:
Attached is a letter I received from XXXX XXXX in regards to a XXXX  breach and my personal information being compromised by the XXXX  breach. The following hard inquiries currently listed and showing on my XXXX and Equifax credit report is fraudulent, unauthorized, not my hard inquiries and is the result of the XXXX XXXX XXXX breach that was discovered on XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Card, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: ALLY FINANCIAL INC.
State: TX
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, these creditors have violated my rights under 15 USC 1681 section 602, which states I have the right to privacy. 15 USC 1681 section 604A Section 2 also 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-end consumer credit plan as late for any purpose. 
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 2023-08-08
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-22
Company: DISCOVER BANK
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received my statement from Discover Card in XX/XX/XXXX. I noticed a charge from XXXX that I didn't make. I don't shop at XXXXXXXX XXXX. I went online with Discover Card and disputed the charge. They said they would investigate. On XX/XX/XXXX their answer to my dispute came in the mail. They determined that I was liable for this unauthorized charge. On XX/XX/XXXX I mailed them a letter stating my disagreement with their decision I never got a response. I paid the {$250.00} to preserve my credit rating, stopped using the Discover Card and froze the account. I figured I had learned a lesson to not deal with Discover and was going to let it drop. But their lir on their commercials " YOU WILL NEVER BE RESPONSIBLE FOR UNAUTHORIZED PURCHASES '' was more than I could stomach there for I m filing this complaint. They should not be allowed to lie like that in their commercials. Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late.

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 2021-04-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My four loans ( 1 per year ) ranged in interest from 3 % to 4.25 %. Rate did not change from XXXX when I first got the loan, until XXXX when Sallie Mae changed to Navient. In XXXX is when I noticed my rates beginning to rise. Currently my rates are 5.5 % -6.5 %  and only raise. They are variable rate, however only go up. When the prime or libor rate drop, my loans don't. However, my rates go up when prime and libor go up even when they have not exceeded their previous mark. for example in XXXX the rates were at all time highs. Now they are half of what they were 10 years ago, but my interest rate has doubled. 

Additionally, one of my places of employment closed for 6 months last year. The only option I was offered was forbearance. Now customer Service tells me I would have had other options, but did not disclose what they would be. 

Each rep I speak to simply states a blanket statement, I assume from their prompt screens, that state when rates go up, so does my interest. Nobody including customer service reps, supervisors, managers, or the current advocate assigned, has been able to explain why I don't benefit when rates go down. Also, depending on whom you speak to, they can't tell me if my rates are based on prime or Libor, they are unable to explain what my base rate is, they just say base plus prime or libor. As a matter of fact, the last person I spoke to said prime is currently 5 %. At that time, my loan rate was 5 %, and they did not know what my base rate is. 

I asked for my original loan amortization schedules. I'm told they are not available because they are 'too old ' and with a variable rate it can extend the life of the loan. I believe my first payment was XXXX of XXXX. I should be done with repayment in XXXX of XXXX. Currently, they show XXXX of XXXX. 

With incorrect and unjust interest changes, there is a significant financial remediation called for based on improper allocation of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for XXXX  and TransUnion, which is a public record, XXXX, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in XXXX UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX  cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.

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: Affirm Holdings, Inc
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, I made a purchase at XXXX XXXX. The total amount of the transaction was {$190.00}. My Affirm Debit card was authorized for {$100.00} and I used my XXXX card to authorize {$92.00}. However, Affirm is trying to assert that I owe them {$190.00}. I was pressured into putting the {$190.00} on a loan agreement because they told me that if I didn't, they were going to withdraw {$190.00} from my back account. I called to dispute the amount of the transaction. I submitted a copy of the receipt from the store as well as a screenshot from my XXXX card mobile app showing that the Affirm card was only authorized for {$100.00} and my XXXX card was authorized for {$92.00}. I was told that the dispute would be resolved and I would get an email from " the appropriate department '' within XXXX to XXXX business days. When I called back after the XXXX to XXXX business days, I'm being told that I have to wait another XXXX to XXXX business days. Also, now all of a sudden they have a high volume of disputes and it may take longer than normal, but none of that was mentioned when I first filed my dispute. I'm being given the run around because they are trying to steal my money from me. I've spoken to multiple unprofessional representatives that tried to feed me lies and talk to me as if I'm stupid. When they realized that wouldn't work, they lie and say that my case has been escalated. I have given them enough time to fix the issue and they refuse to retify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
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: Account status incorrect

Complaint:
For the last 45 days, I have been reaching out to XXXX XXXXXXXX XXXX regarding my account showing as closed on my credit reports. I have disputed the closed status several time with all credit agencies and also have reached out to XXXX XXXX XXXX to correct, and they continue to not update status as an open account. This information directly impact my credit score as I attempt to fix my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.

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 2020-11-08
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report over 30 days. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account INQUIRY DATE : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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