BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: Nelson Cruz & Associates LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This erroneous debt has been passed around from one collection agency to another. This erroneous debt was supposedly taken out in 2014. I had filed a police report concerning identity with my local police dept. XXXX County Police Dept Report # XXXX. Throughout repeated collection attempts neither I the collection agencies have attempted to substantiate that I took this loan out. The new owner has reaged this debt that different collection agencies have been harassing me about for 10 years.Thsi debt has reached the statue of limitations.When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate.If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3500.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX Bankruptcy Reference # XXXX has violated my rights. 

XXXX  XXXX Bankruptcy Reference # XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

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

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: VYSTAR CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was denied a personal loan by Vystar Credit Union unlawfully under the EOCA and 15 usc 1681n.After filing out loan application on Vystars online banking app I was informed that I was denied for no lawful reason even tho a inquiry shows on my credit report indicating that a consumer transaction took place.

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: HOME BANCSHARES, INC.
State: AR
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:
On XXXX I ordered two pair of shoes from a site that was suppose to be XXXX XXXX XXXX but come to find out it is fraud and I have contacted the company which is now showing up as XXXX and the centennial bank and have been denied refund of my money thru both which the amount was 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 2019-01-03
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My promotional purchase expired on XX/XX/18 after two years of purchase and my balance went more than double in just one billing cycle ( from XXXX to XXXX ). When I realised the promotional purchase expired I offered to pay off the ballance and remove the charge, but I was told that is not an option. The reason I was tols is that interest calculated back to the purchase date and can not be removed. Then I offered to pay only the remaining balance with interest, but that was also turned down. When I was trying to communicate this via email, my next billing came and I made my next payment on the due date after I received the last correspondence email. But, again I charged late fee and the reason was I did not pay by XXXX XXXX on the due date. I called customer service and tried to explain the situation and I could only get back half of the charge. I got upset on this and tried to write review on the internet and saw a lot of complain on XXXX XXXX and that is when I decided to submit this complaint. I have dealt with several credit card companies and they were somehow willing to help or make some deals, but none of that happen in XXXX XXXX. Their fees are so high and not willing to help their customers. With these much complaints from their customers I believe something has to be done to address their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 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 2023-06-16
Company: Experian Information Solutions Inc.
State: OR
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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX  XXXX XX/XX/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 2021-08-30
Company: BARCLAYS BANK DELAWARE
State: NY
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 relates to a previous complaint I had with my XXXX XXXX XXXX VISA with Barclay 's Bank. On XX/XX/XXXX I was advised that Barclays had found in my favor on that complaint with CFPB. Accordingly, they credited my account for {$31.00}, supposedly on XX/XX/XXXX. I calculated that this reduced my outstanding balance on my card to XXXX. The previous CFPB Complaint # is : XXXX-XXXX  In the past 10 days, I have tried AT LEAST 10 TIMES to call Barclays Customer Service to determine if my assumption about XXXX balance is true! Their customer service is HORRIBLE!! I either get disconnected, or have spent up to an hour on hold with NO RESPONSE! I can not check my balance on-line, as the website tells me I must contact customer service. When I call customer service, the automated system will not give me my balance or payment information. It just keeps telling me I need to speak to a Relationship Manager, and then either disconnects me or keeps me on hold FOREVER, listening to crappy music, and never having anyone answer my call! Even when I call the phone number of the Office of The President at Barclays, I get told no one is available and get disconnected! 

This company is ABSOLUTELY TERRIBLE, and their Customer Service should be called Customer DIS-SERVICE! I need to make sure my account has in fact been " XXXX  out '' as assumed by my calculation of the credit they gave me.

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 2021-05-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last XX/XX/2020 I walked into SunTrust to withdraw money from my account and was able to without any isaue.Shortly after I left the bank they froze my account and then a month later only sent me my opening deposit which was {$250.00}. They still have {$5900.00} that they haven't returned. It was a loan from the SBA given to myself under my name and home address which is the same on my driver 's license. They sent me a letter claiming it was closed to fraud? I have the loan documents that show the loan given to me and I opened the bank account in person. My loan is now going to be due for repayment. I need the reminder of my 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 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2023-06-01
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to link my bank account in order to file for a PA covid 19 grant and am getting a message that PNC has made a change that has prevented this link from taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: AZ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: MD
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$560.00} 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 Balance : {$2.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a direct dispute via certified mail to the credit reporting agencies, TRANSUNION XXXX AND XXXX on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously sent Porfolio Recovery Associates a validation of debt letter under the Fair Debt Collection Practice Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. During my request of proper debt validation with Portfolio Recovery I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
It would take more than this small box to be able to explain the scam and unethical stuff I have experience from XXXX XXXX. The list is long but the biggest XXXX was in XXXX when they contacted me because I was in deferment and it had ended and I was still unemployed, they solicited me to consolidate my loan. But only XXXX4 month later Laws changes and I was given the opportunity to pay off my loan from other lenders willing to offer a 3.9 % loan plus the chance to get away from this scammer that for 4 years where adding all king of fees late fees and so many others that it did n't matter what I paid my debt would grow faster than I was paying. So this would have got me done with them and not have to deal with these scumbags thieves. Well com to find out when the New lender ask me for my Social and look he told sorry looks like you consolidated about 3 months back and you are lock in we can help you. What the XXXX. The way I see it now they used there inside knowledge being part of the government back then and just like inside trading knew this was coming so they XXXX me by consolidated my loans. At no time did they ever mention that this was going to keep me in the debt prison and stuck for life with the worst servicer. And I know cause I delt with is since XXXX XXXX and they were cheating us by doing all kind of illegal stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated college in XX/XX/XXXX, in XX/XX/XXXX I had started paying off my student loans at a loan by loan process. My goal was to pay off my higher interest loans immediately with cash I had saved prior to, in hope that I could drive my aggregate interest rate down, when I decided to make an attempt at consolidating the loans. Around XXXX, after doing exactly what I planned and paying off the higher interested rate loans, I started inquiring about consolidation options. At the time, the highest interest rate loan i had was approximately 4 %. By XX/XX/XXXX, after reviewing my account to attempt to pay on my loans, I had noticed, without any signature or confirmation from me that Navient consolidated and disbursed at a 5.125 % interest rate. The worst part about all of this is that they had reimbursed me for ( 2 ) loans I had paid in full ( 1 @ $ XXXX/6 % Interest ; 2 @ $ XXXX/5 % interest ) without my authorization. The other explanation that was not provided to me, was that the consolidated subsidized/unsubsidized student loans had an interest rate that accrued daily, essentially giving Navient a 100 % return on the note over the 20 year term. I would have never signed off consent for a loan structured in this fashion, and would never agreed to such an inflated loan. I have paid roughly {$11000.00} to Navient over the past 4-1/2 years, of that roughly {$3000.00} or more has been paying on interest, that is not 5.125 %. Navient wasn't even the original note holder on my loan, some how without me knowing, Sallie Mae was no longer in the picture and Navient took me to the cleaners.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent numerous certified letters to All 3 bureaus and never received a response via mail. One certified letter I sent was over 45 days until I had to call. It was about 4 accounts I asked them to validate and I never heard back from them. They stated it was verified almost 60 days when I called to follow up. But they never sent me what I requested. They have no actual evidence that those accounts are mine. 2 of them are actually hippa violations.

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