BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried repeatedly to set my account up online so that I can set up AutoPay, so that the payment is made on time and I don't have to remember to try to call them when I can make it home from work. I've called the number it shows on the screen to call so that they can figure out why the card I have has a number that the system doesn't recognize as being a valid account number. While I am on the call at the number shown on the screen, they tell me that it is a problem with Synchrony Bank and then they connect me to them. While I am on the phone with someone at Synchrony Bank, they tell me that the problem is with PayPal and connect me with them. This goes on and on until I get tired of trying and being on HOLD that I hang up. This has been going on for several months and I can't afford to have late payment charges because I can't access my account online and am too busy trying to work and take care of my Mother who is suffering from XXXX. I don't know who is supposed to be able to fix my account, but I am going to assume that it would be Synchrony since they are the issuer of the card.

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 2020-03-30
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2020 I called Fed Loan Servicing and asked why my Federal Student Loan XX/XX/2020 Payment did not show suspended because of the CARES Act. The CARES Act stated the suspension would automatically be granted and yet my account is not updated. When I reached customer service, I was told the only way the payment would be suspended would be a forbearance. That is false. There is a difference between suspending payments in accordance with the CARES Act and a forbearance. Issuing a forbearance would not count towards public service forgiveness, or traditional forgiveness after 25 years. I inquired if I suspended my automatic debit payments, would my account show delinquent after the nonpayment on XX/XX/2020? The customer service rep answered yes, and that it was nearly impossible to suspend the automatic debit because their system takes three days to update. Again payments are supposed to be suspended XX/XX/XXXX through XX/XX/XXXX without a request. She also said any suspension in payments would not count towards Public Service Loan Forgiveness, again false. I asked to speak to a supervisor, and she said no supervisor was available for the foreseeable future, but took my name and number to call back later. Therefore I have been put in an untenable situation. If I stop payments at my peril to receive the federal assistance that has been granted to me, I was told my account would be in default. Fed Loan has not been proactive, cooperative, or responsive. Fed Loan has interpreted the CARES Act in a way that is beneficial to Fed Loan and ignores the benefits guaranteed to the Student Loan Holder. Fed Loan Student Loan Account holders deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: NAVY FEDERAL CREDIT UNION
State: PA
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:
Ok, Long Story short Navy Federal Credit Union was supposed to help me as I had an issue with XXXX XXXX  charging me for months after I had cancelled my membership with them. XXXX XXXX refused to help until I filed a complaint against them with the XXXX XXXX XXXX. I had to actually complain to them 3 times before they even acknowledged me and as prior mentioned refused to help me and I went to the XXXX. I mailed them a form that they sent me with the dates and billing information. To be safe I even mailed them a copy of the cancellation form showing my membership with XXXX XXXX was cancelled. I did innitially get credited the money while they investigated the issue. Since then they have taken a portion of the money back refusing to help saying that a membership agreement clearly dated 2 years before the date of membership cancellation is proof that the transactions were 'authorized ' since not only has XXXX XXXX refused to help me they have ignored my complaints about how one of their employees told me to " shut up and accept the results of the through investigation ''. Calling a membership agreement dated 2 years before the cancellation form I mailed to them to prove the transactions were Not authorized is a clear showing that they did not investigate throughly. Upon reminding them I sent them a copy of the cancellation form and that a look at the dates on the forms shows the membership agreement is dated well before they switched from saying that the reason they took the money back is now due to the transactions being older than 60 days and not that they were authorized. I had to even then fight to get a portion of that money back as they tried to take the full credit even though two of the transactions were within 60 days of the complaint they actually agreed to " investigate ''. I also know I am not the only member of this credit union to have this issue with the gym in question as a representative of Navy Federal had informed me that several members of XXXX  XXXX whom cancelled their memberships have encountered the same issue as me. I have now been forced to pay several bills late and incurred a returned check fee cause of lack of funds in my account for another bill because of XXXX XXXX choosing to side against me and call me a liar. I honestly believe they sided with XXXX XXXX out of spite because I reported them to the XXXX  for refusal to assist me in this regard. I have been put to the point where Navy Federal has me looking into legal action against them as well as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX In accordance with the Fair Credit Reporting Act Experian has violated my rights. 15 usc 1681 section 602A states I have the right to privacy. 15 usc 1681 section 604A section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 
I, XXXX XXXX, am requesting that i be provided the method by which you verified that i applied directly for credit or gave my permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file. 

The FCRA states that the only permissible purpose for pulling a credit report is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following inquiries are not related to none of the aforementioned permissible purpose. 
Please remove these inquiries from my credit report 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 2023-10-17
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Mohela placed my loans into administrative forbearance without my permission and I can not get answers as to when my first payment is due, how much I owe, when my request to be placed into the SAVE plan will be complete, and whether my payment can be lowered because I lost my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Also on XXXX2022 again, a charge of {$68.00} was posted on my credit card from a merchant called " XXXX XXXX '' while the service was never provided. I contacted my bank and explained them that " XXXX is a an online marketing website where you can book cars and they will assign you to a rental car agency to take a rental car. So when I made the transaction online at XXXX, they assigned me to a rental car agency that is no longer operational. So I have to look for another rental car agency where I even paid extremely higher than what I should pay because it was a last minute rental. I explained that to my bank but they still not take appropriate actions to remove it from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX  XXXX Balance Owed : {$4400.00} ; XXXX  XXXX XXXX Balance Owed : {$4600.00} ; XXXX  XXXX Balance Owed XXXX {$2700.00} ; XXXX XXXX Balance Owed : {$2200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: I.C. System, Inc.
State: AL
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 have tried disputing the account on my credit profile. I have no knowledge of opening an account with XXXX XXXX XXXX XXXX. I didnt authorize. I have asked this company to provide proof of signature and identification that I truly opened the account. The collection agency have yet to provide any of that information. It goes against my rights when it comes to reporting accurate information on a consumers credit profile. I ask that this be investigated

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 2022-01-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
As of XX/XX/2021 to present an Ive attempted to have A Closed Account displaying damaging, derogatory, and negative information removed from Equifax and XXXX. This same closed account has been removed from XXXX. Under the law A Closed Account can not contain negative or damaging information, The Account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AZ
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:
Good day, My name is XXXX XXXX and I'm inquiring in removing the AKA 's ( Also known as.. ) names erroneously reflecting my credit reports. Experian is reporting an AKA as : XXXX XXXX XXXX which is extremely incorrect. XXXX  is also reporting the following erroneous AKA names as : XXXX XXXX, XXXX XXXX, XXXX, XXXX I am demanding for these AKA 's to be removed IMMEDIATELY, they DO NOT belong to me, and neither am I going to let them remain on my credit report. Nothing has been done about this matter, please assist.

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 2023-01-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Chase bank customer support has granted access to my account to a fraudulent third party twice in the past six months. 

The first infiltration took place in XXXX of XXXX, and the bad actor siphoned out all of my credit card rewards points. 

After this first break in the XXXX fraud team asked me to set up a verbal password to prevent this in the future. I did so and my points were later returned. On top of this, I was asked to change my login username and password, and set up new recovery questions, which I did. 

In XXXX of XXXX another actor was granted access via customer support and changed my primary address, password, primary email, and also siphoned out all my credit card points. 

My account username and password are unique and were not compromised. I confirmed with the Chase Consumer Protection Group that the bad actor was granted access through Chase Customer Support and the bad actor was not asked for my verbal password. The representative from the Chase Consumer Protection Group said that Customer Support was required to ask for it and they didnt know why Support failed to ask despite my account being flagged for this kind of fraudulent attempts.

Its unbelievable that Chase allows their support to grant access multiple times to my account through social engineering.

One time was understandable but after the protections were placed on my account absolutely unacceptable and Chase needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/2022 TransUnion Credit Report showing XXXX days past due..THIS IS INCORRECT..payment was due on XX/XX/XXXX, I paid on XX/XX/XXXX,. Just XXXX days past the due date ... XXXX incorrectly reporting me to TransUnion..I AM REQUESTING REVISION TO MY CREDIT REPORT AT ONCE!!! I HAVE NEVER BEEN XXXX DAYS LATE EVER!!! 

FURTHERMORE ... THIS IS THE XXXX TIME THIS HAS HAPPENENED IN RECENT MONTHS ... I want to be COMPENSATED for the damage imma monetary credit to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was lured into opening an account with new money by a promise of XXXX bonus after completing a certin time and the bank has gone over that promised time and have not kept their part of the deal, i still dont have the money after they have held my in money for over 5 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/108, My entire tax refund of {$2.00} was taken. I struggle to pay rent bills and buy food. I need some or all of my {$2.00} tax refund back. I have little if any room to make payments on these loans without not paying for food, rent or gas without my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
For the past three years I have been disputing serval accounts on my credit report. In the past month I have submitted serval disputes for two accounts which XXXX has failed to take into account of the supporting documentation. My last attempt was made today XXXX to have both accounts removed from my credit report. The credit bureau continues to violate my consumer rights by reporting incorrect information on my credit report. This credit bureau failed to properly investigate and report accurate information on my credit file. Also this debt collector has agreed to closed and requested for deletion of accounts to be removed from my credit report. Please see attachments on how the credit bureau allowed a company to violate my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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:
I have reached out multiple times to get this resolved and the following is the problem : In accordance with the Fair Credit Reporting act XXXX Account name XXXXXXXX XXXX XXXX XXXX  Account number 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 explanation
Consumer complaint received 2023-08-24
Company: Paradigm Assets, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : 15 U.S.C. 1692 ( C ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer concerning such debt. 

This is my third notice in which I have requested that you stop contacting me about someone elses debt. I have sent a certified mailed request to your office to stop getting me and harassing me about this alleged person with the same name as mine, however, your blatant disregard of the FDCPA is apparent. The validation process you claim to use is flawed incorrect and void of the truth. 

I shall be forwarding this to the CFPB along with the certified mailed letters and proving receipts that I have requested that this company cease contacting me. I shall provide this further information to the credit agency to stop receiving funds from you and keep this information in my credit report.

Company response to consumer: Closed with explanation