BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Navient Solutions, LLC.
State: AL
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 am being sent a bill each month by email and physical mail for a loan I donot recall applying for. The loan doesnt have my correct name on it and XXXX has checked out my loans and it doesnt appear on my loan history according to Dept. of Education. I was afraid to not pay so I did it for about two years while attending college. When I called them they said I had to pay anyways and told me that my wages would be garnished or my credit would be impacted negatively. I was terrified of those consequences so I made the payments on time monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I signed up for a CareCredit card to fund the XXXX of a pet. The first six months of payments are interest free. 

When I received my first statement in XXXX, I noticed a PYMT CARD SECURITY charge. I wasnt sure what the charge was for and didnt take action until XXXX when my statement again showed this fee. After doing a bit of research in credit card forums, I discovered that others have run into this same issue with CareCredit. It seems that despite my never consenting during the credit card sign-up process, the company is sneaking in a 1.6 % fee on the outstanding balance. 

Inside the CareCredit app, I navigated to the contact via chat section. I asked to remove payment card security and the chat bot responded with an automatic message telling me to a call an XXXX number to remove the charge. The XXXX number included an automated voice that asked me to enter the CareCredit card and to proceed with ending the 1.6 % charge. Within the week, my CareCredit reflected the fee being refunded to my account. 

Overall, I am satisfied that the money was returned and the process for getting it back was relatively simple. However, I am disturbed that the hidden fee was applied in the first place. I dont remember consenting to this, and I never received any information for opting out either. People in the forums were mentioning in their experience me that they couldnt get the money back after 90 days of opening their CareCredit account. Luckily for me, I was still inside the 90 day window.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, 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. 


Account Name : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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: Investigation took more than 30 days

Complaint:
Multiple accounts same account numbers, defamation of character, using negative adverse information over since XXXX I've sent in proof of non late payment and yet and still they continue top hurt and damage me I ask them to keep account and remove negative Information since XXXX. 
Please see Uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Amsher Collection Services, Inc.
State: NC
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:
Amsher collection Services was sent a letter of dispute. After review of my credit reports, Amsher has not marked my account as disputed as required by the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: NC
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:
My first letter which will be attached went to XXXX, Equifax and XXXX to properly investigate the errors and inaccuracies I found on my credit report. These letters were sent out on XX/XX/XXXX. Almost 60 days later I received a frivolous response letter back from them, accusing me of hiring a company to dispute accounts on my credit and that I would need to prove my identity. I sent proof of my address and my Drivers Licensed attached in my first letter for proof of my identity. I have sent two more letters over these 120 days and I have YET to receive any investigation result correspondence from this bureau. 
I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received any more correspondence. I feel that my rights have been violated per consumer law and I am requesting to either get compensated for each violation or for these errors I have listed to be removed from my credit reports immediately upon investigation!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-07-18
Company: Netspend Corporation
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with NETSPEND. On XX/XX/XXXX my saving account was hacked. Over {$1600.00} dollars was taken out of my account. When I became aware of what was going on I called my bank to file a dispute. The gentleman that I spoke to file the dispute incorrectly. He actually file my transactions and not the hackers. When I noticed the error I called my bank AGAIN and told them what about the wrong filed dispute, causing me to have to file another one. I sent in screenshots of the transactions, plus address that was listed on my transaction history. I was told to wait 10 business for a decision. SO I WAITED!!!! On the day I was told to call to check on the status of everything I was told that my claim was denied due to non-fraudulent activity. 
I was livid!!!!!! 

Can someone please help me! I need my money and they refusing to replace it. What can I do???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have received several phone calls via a robo dialer to my cell phone since the beginning of XXXX from a company called MAC from several different phone numbers. One representative, who called at XXXX XXXX on XX/XX/2021, stated his name was XXXX XXXX on voicemail and said that if I do not respond then " they will turn my case over to the county where is reside. '' He is not the only one that has left me these types of voicemails. I also received a call from someone named XXXX saying the same thing on XX/XX/2021. The number I was told to contact them at is XXXX. Not only is this threatening, this is also pre texting ... they are using scare tactics to force a debt to be payed, and I insist that actions get taken against this debt collector, so they won't use these illegal tactics against someone else. I have saved all voicemails if they are needed.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account : Account : XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if 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 explanation
Consumer complaint received 2023-03-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I was involved in a scam ring at my job. There where several phones and log in information stolen from work computers/tablets which then was sold to thieves. I filled a police report and notified Bank of America and they did an initial investigation, but after the 10 days they said they didnt find any wrong doing and took back my provisional credit. Now my account is negative almost {$1000.00}

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 2023-08-18
Company: Experian Information Solutions 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 am again reaching out demanding that you fix the errors listed on my credit report. You in plain sight have both me and my XXXX  attached to my credit report. both our names are listed with both of our addresses! ( See attached ).

I have asked you to remove the following accounts that don't belong to me, but I have also asked you to remove the following hard inquiries that also do not belong to me. 
The listed accounts belong to XXXX XXXX XXXX, not XXXX XXXX XXXX. Please remove the following inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also removed the negative accounts that belong to my XXXX. 
XXXX XXXX XXXX XXXX  I have asked for verification, and you send me nothing. I asked for method of verification, and you send me nothing. You can't provide any proof and I know it's not my account, so delete them!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 
Specifically, I dispute the following : XXXX. XXXX [ Account XXXX : XXXX ] - XXXX is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA. 
2. XXXX XXXXXXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX, XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXXXXXX XXXX XXXXXXXX [ Account Number : XXXX ] , XXXX XXXX XXXXl [ Account Numbers : XXXX and XXXX ], XXXX XXXX [ Account Number : XXXX ], and XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections. 
I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
hello my XXXX and i had got a car tile loan with tile max and they have lied about everything they got my car on the 21 and they said they sent me a note out as well well everyone know when they pick up your car it take may be a week before you get paper work about what you want you want to well i got mine the next day did'nt seen right for you to pick up my car at the wrong loc.they said they got it from my mom house at XXXX pate and thats not true at all some one stole the are and they wantpick up yourcar from no {$430.00} know XXXX yes what i know i work at a plces with tile loan at the 24hour check cashing plance on miller. my address isXXXX XXXX XXXX XXXX XXXX texas XXXX my name isrose XXXX XXXX and XXXX ask her acopy of it she said they dont do that she lied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: MO
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-03-10
Company: EQUIFAX, 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.

Account Name : XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Federal Student Aid has taken over a year to approve the Police Dept I worked at during my XXXX, XXXX, XXXX payments in public service loan forgiveness loan period ( XXXX 2022 ). I should have been discharged from the program ( being serviced by MOHELA ) and $ XXXX student loans been removed from my credit XXXX 2022. I have submitted forms, applications, proof of employer eligibility, and made calls monthly beginning XXXX 2022 yo try to expedite the process and absolutely nothing has been done. Therefore, my credit has been tied up, score affected, & I've paid higher interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation