BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NOTICED ERRORS ON CONSUMER REPORT AND MADE CREDIT COLLECTION SERV ( A 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND OR VILOLATIONS AS IT PERTAINS TO FDCPA, FCRA, CFPB AND PUBLIC LAWS AND 3RD PARTY DEBT COLLECTION. 

1. CREDIT COLLECTION SERV, WAS SENT A NOTICE OF ERRORS AND VIOALTIONS AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT THAT I HAVE NO AGREEMENT OR CONTRACTUAL OBLIGATION WITH THEM 3. ALLEGED DEBT WAS CHARGED OFF BY ORGINAGINAL ALLEGED CREDITOR XXXX XXXXL 3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR 4, THEY HAVE 3 ACCOUNTS REPORTING ON MY CONSUMER CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was recently laid off from my position effective XX/XX/23. I called Navient to discuss repayment options for someone that is unemployed. I was previously on a rate reduction program, in which my monthly payments were {$580.00}. The program ended in XXXX, so I was calling to extend the program- which I have been able to do for the last several years. They were not able to assist and said there were no options for me. My monthly payment now is more than double at {$1300.00}. The customer service agent suggested I not pay this month 's bill, hurt my credit, then see what options *may* be available next month. She would not allow any temporary deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized, unverified hard inquiries on my credit report must be removed in accordance with the FCRA.

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 2023-11-20
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent all required documents to the bureaus as attached. which are my driver license, social security card, current bill police report and also letters to each bureau with fraudulent account noted. and none of the accounts where remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got a copy of my credit report from this credit bureau but the information listed needs to be updated as wrong information is listed. They have my wrong address, telephone number, profession and salary. The correct information is listed below : Address is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Florida, XXXX My telephone number is : XXXX My profession is : A XXXX XXXX XXXXXXXX with XXXX XXXX Salary is {$200000.00} per year. 
Kindly update my demographics with the correct information please.

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 2023-05-17
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Elan Financial Services sent out a letter notifying me of the closure of my account number XXXX issued by Valley Bank, at the time the account had a credit balance of {$2600.00}, in another letter dated XXXX XXXX XXXX  the bank states that they have sent the credit balance of to the remitter of the last payment made onthe account, as of today XXXX XXXX XXXX, the owner of the checking account has not received any check nor has been any ACH issued to their account, I made numerous attempts to contact the bank regarding this matter and literally every time I got different information regarding this refund payment, I feel like I've exhausted all my options, so I am sending this complaint so the CFPB can intervene and attempt to retrieve these funds

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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
TransUnion violated my privacy by allowing third party companies to look at my credit report without my permission. In which allowed those companies to do Promotional inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a financial dispute that has caused significant distress and financial loss. On XX/XX/XXXX, I initiated a transaction from my PNC Bank account in the amount of {$4600.00} to XXXX XXXX with the intention of sending money to my family in XXXX through an exchange for XXXX Naira. 

However, my experience took an unfortunate turn when XXXX XXXX requested certain documents that I was unable to provide, leading me to cancel the transaction. XXXX XXXX assured me that the funds would be promptly returned to my PNC Bank checking account. Regrettably, despite their promises, the funds did not reappear within the promised timeframe of five days. 

Concerned about the delay, I contacted XXXX XXXX 's customer service, and they informed me that the money had been released to my bank. To my dismay, upon reaching out to PNC Bank 's customer service, I was informed that they had no record of the funds being received. Consequently, a dispute was opened on my behalf. 

After waiting for approximately three weeks, on XX/XX/XXXX, I received a letter from PNC Bank stating that my dispute had been denied due to " no error in transaction. '' This decision left me deeply frustrated and distressed. Undeterred, I continued to engage with XXXX XXXX, persistently contacting their customer service on an almost daily basis. Each time, I was given the assurance that the funds had been released to the bank. 

In an attempt to find a resolution, XXXX XXXX sent me an authorization form confirming the release of funds, which I promptly presented to one of the bankers at a PNC Bank branch. Despite my efforts, I was once again informed that the funds were not available. As a last resort, in XX/XX/XXXX, I visited the PNC headquarters in downtown XXXX. There, a banker disclosed that fraudulent activity had occurred, as the original transaction amount between myself and XXXX XXXX was {$4500.00}, yet the bank had deducted {$4600.00} from my account. 

Since then, I have been tirelessly fighting for the return of my funds. I have provided all relevant documentation, engaged in numerous discussions with both XXXX XXXX and PNC Bank, and even visited the bank 's headquarters in person to seek a resolution. Unfortunately, my efforts have thus far been in vain. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: IN
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-06-07
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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX, XXXX, and Experian are not complying with their own policies in a timely manner. 

On XX/XX/XXXX I wrote XXXX, XXXX, Experian About some inaccurate And Incomplete Credit information. and I Demanded to see Verified Proof. it XX/XX/XXXX and I have yet to hear back from either of the three credit bureau. with them failing to do so has hurt my ability to obtain credit UNDER FCRA UNVERIFIABLE ACCOUNT MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERFIABLE PROOF. YOU MUST REMOVED THE 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 explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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:
A collection account appeared on my consumers reports on XX/XX/2023 XXXX XXXX Solutions, that doesn't belong to me. I have spoke with all three credit bureaus and sent them a letter of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX I was charged interest of XXXX incorrectly. I have always been on autopay and paid the monthly balance each month. 

I needed to call three separate times in order to get agreement from staff that this was indeed an error on their part. Even though this happened one month ago, and I was the one to identify the mistake, they have been unwilling to pay interest to me on that amount, or to compensate me in any way for the mutliple calls I needed to make in order to rememdy the situation.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX OF XXXX XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00} XXXX/DEPT OF ED XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2023-05-11
Company: EQUIFAX, INC.
State: PA
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'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 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 explanation
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: TN
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:
XXXX.I have never had an account with this company WELLS FARGO CARD SERVICES , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO CARD SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXX.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2023-03-31
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was locked out w/o warning for some large transaction I made for a down payment on a car one whole month later raised as suspicious. Ive sent over all my transactions and proof of car Im currently on a road trip in my car and I have no way to access my funds Ive had over 70 phones calls with agents and supervisors and they keep telling me we will email your shortly its now been 48 hours and Im stranded with no gas or no food at a truck stop, they dont care whatsoever.

Company response to consumer: Closed with explanation