BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  ; US Sm Bus Admin ODA XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A states that 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 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 2021-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I Have sent multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Equifax needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: FL
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 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 Hey hope all is well I ask the Credit Bureaus XXXX, XXXX and Equifax to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-10-02
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The following accounts need to investigate and corrected for erroneous reporting in my file are listed 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 2023-06-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
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 noticed on my credit report inaccurate information reported by Navient Corporation. I noticed a 90 day late payment on my credit report therefore dropped my credit score XXXX points. I have been in the IBR plan and I never got a notice for late payment for 30 days or for 60 days. We are still under the Covid Relief Law 15-U.S Code furnishers of information to consumer report agencies. I tried to reach out to Navient with no luck they have refused to help. I would appreciate it if this Late Payment Remark be removed from my Credit Report as I have been in good standing and we are still under the Covid Relief Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear cfbp team, I got scammed and someone took {$17000.00} from my bank account via ACH transfer from my chase business bank account. When I take a look at my bank account the amount disappeared from my bank account. I have been open a dispute with my bank account they said it's gon na take 15 days to investigate. Its been more than 15 days and did not hear from them, but I call them to check the status of my dispute and they said that their investigation rejected the dispute. However, now my account is overdraft {$2100.00} and want my money back so I can utilize my money. 
However, I save my money for my son to go to school. Now, this happens and my business chase bank denied the dispute. I want cfpb team to review my case and take action to get my money back. I am really depressed and do not know what to do. I am XXXX XXXX XXXX. 
Business name : XXXX XXXXXXXX XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: VA
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:
Had a loan for an auto getting refinanced thru a different company. Original company put a late payment on my credit report and i can't get it removed.

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 2022-10-31
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: Personal information incorrect

Complaint:
XXXX- is reporting the wrong name on my report, I have sent out several certified letters ( for them to investigate and mail me back findings. I not received any response nor have they removed this information. They are reporting a name that is not mine and I have never had account open in this name. They also reporting unauthorized inquiries on my report which i asked to investigate but they referred me to dispute with CFPB. I also want an investigate on collection and mail back findings. 

Equifax- keeps reporting a medical debt in collection that I asked to be investigated and is under {$500.00} which from my understand medical debt can not be reported under {$500.00}. Investigate investigate all unauthorized inquiries and investigate collection and mail back findings. 

XXXX investigate all unauthorized inquiries and nvestigate on collection and mail back findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PenFed in its response to my complaint ( the text of which is attached ) provided me with incorrect and misleading information. 

XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union among other things had stated the following : Members can use a teletypewriter ( TTY ) based telecommunications relay service to call us if they are unable to communicate directly by phone. 

On PenFeds website https : //home.penfed.org/help/s/article/How-to-Contact-PenFed? language=en_US a printout of which is attached there are two TTY numbers listed : TTY ( for the hearing impaired ) : XXXX or XXXX While the numbers are annotated as for the hearing impaired and does not list any other XXXX, I attempted to call both of the number using a TTY enabled device on XX/XX/2023 at the following times : three times to XXXX around XXXX XXXX  Eastern time, then one time to XXXX around XXXX XXXX, and then again three times to XXXX around XXXX XXXX. Out of my 7 attempts I never received a TTY response. 

XXXX XXXX in their attached response also states : Please call us at XXXX XXXX XXXX if you would like to delete your external account. 

On XX/XX/2023 at XXXX XXXX Eastern Time I made my best effort attempt to place a voice call to XXXX XXXX XXXX. The person who answered the calls disconnected the call after XXXX min and XXXX seconds. 

I made a second attempt to place a call at XXXX XXXX Eastern time and the person who answered the call at that time disconnected the call after XXXX min and XXXX seconds. 

Based on my experience described above, I claim that XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union made misleading statements in their response to CFPB. I also claim that PenFed does not provide the same level of service to consumers who prefer not to communicate via telephone as it does to the rest of the consumers.

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 2022-06-05
Company: EQUIFAX, INC.
State: NY
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:
Multiple names on report. The names of XXXX XXXX, XXXX XXXX are not my name and they are showing up on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: DISCOVER BANK
State: NJ
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:
Credit report shall present the information material enough to judge the creditworthiness of consumer instead of pursuing the maximum possible accuracy. As FCRA principle stated Reporting agency XXXX which I am complained must correct the report records if credit card business which I complained as well fail to perform the obligation of fair reporting principle. The amount involved negative activities on my credit report are under {$5.00} which due to mistakes made by business, however it causes my credit score dropped by almost 300 point, from XXXX dropped to XXXX. I am complaining that reporting agency XXXX fail to execute its obligation and its not fair demonstration of the creditworthiness on my credit character. 
secondly, I filed these disputes back to XXXX XXXX however the exact same negative account came back again on this year, and XXXX did not do anything to solve the problem but let me keeping filing dispute and waiting responses after numerous callings. Such misreporting lack of materiality should not be disputed at the first place. However XXXX let it drag down for 3 years and cost consumer damage because of {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is a on going problem where I asked XXXX bank for a increase on my credit card which I have had for 7 years. All on time payments and almost all my balances were paid early. Well they gave me this song and dance about me giving them all this information which they already have. I explained that after being a customer that long most banks want to raise the limit. Well this XXXX guy XXXX sent me this secure message that they dont do that. I found out accidentally at a meeting with other dav veterans that that exact bank done it for XXXX other veterans. Then in another secure message I was told by another customer service lady that they do give customers a credit increase after on time payments. I was lied to by an employee of this bank and still didnt get my increase. So I am XXXX XXXX off veteran who doesnt accept bs and I need help with this. They did have a guy from their corporate call me but he spoke so low you couldnt understand him. This happened twice I believe. His name was XXXX and I believe they were trying to play me. I am currently on hospice due to my time in service and I would appreciate someone helping with this. If customers cant depend on customer service and lies to them, what is the use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Multiple names on report. The names of XXXX XXXX, XXXX XXXX are not my name and they are showing up on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: FL
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:
15 u.s.c 1681 section 602 A. States I have 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 2022-06-05
Company: Experian Information Solutions Inc.
State: NY
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:
Multiple names on report. The names of XXXX XXXX, XXXX XXXX are not my name and they are showing up on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Ascendium Education Group
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I get an email daily stating what is coming in the mail. I received a letter with not post date on it. Inside the envelope there was a letter threatening garnishment of my wages. The envelope was also not certified. The letter was dated XX/XX/2021 but it arrived at my door on XX/XX/2021, two weeks after the date of the letter. They were wanting me to fill out extremely personal information but the letter looks suspicious. I didn't want to fill it out any information because i didn't feel comfortable by how I received the letter. This account is not listed on my credit report either. It stated it had been charged off. I don't want this to reflect on my chances of trying to purchase a home. I have been working hard on my federal loan to pull it out of default. I don't want another loan in default to prevent my chances further when I'm so close to getting stable housing for me and my kids. Please advise what I need to do. Attached you will see the email I receive daily informing my about incoming mail as well as the copy of the letter and what the envelope was like.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/23, I received a credit card bill from Citi Bank. I do not have a Citi bank credit card. I reported this to Citi bank and they advised there were two credit cards opened with my personal information ( my current address, an old email and used my maiden name ). They closed both accounts and reported them as fraud. 

I further checked my XXXX XXXX account, and found out the same thing had occurred with a XXXX  XXXX XXXX credit card. I also called XXXX  XXXX XXXX and was advised the same thing : that a credit card was opened in my maiden name with my personal information. This account was closed and reported with the company as 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 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 2022-06-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. XXXX XXXX, XXXX mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXX as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can XXXX XXXXXXXX XXXX allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Genesis FS Card Services, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They are reporting this account was open in XXXX  the date of delinquency was over XXXX  years ago almost XXXX Ive asked it to be fixed and it hasnt they refuse to send me statements and they called my step mom and have her all my personal info

Company response to consumer: Closed with explanation