BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 want to refinance my house, but mortgage banker informed me that my had some negative items on my credit report. I need theses items because they do not belong to 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2021-03-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After a string of robberies, including a few at gunpoint, I decided to move out of XXXX XXXX  XXXX. I made this decision after Management refused to move me up to the 2nd floor or higher in the interest of safety since most of the robberies took place on the 1st floor where I lived. They kept making promises to move me and never did. On XX/XX/2018 I gave up the keys and moved out. On XX/XX/2018, they sent me an inflated " Interim Bill '' of {$4800.00} which was totally ridiculous and out of spite. I indicated to them that I will not be paying the bill because it is inaccurate and exaggerated. On XX/XX/2018, they allegedly sent over the " Final Bill '' to Fair Collections and Outsourcing in the amount of {$4000.00}. 

Here are the contradictions between the interim and final bill : 1 ) The final bill has a balance of {$4000.00}. The only way the final figure would have been reduced is if I had made a payment. I did not make any payments, I refused based on inaccuracy in the first place. Under the circumstances, the final bill should be either equal to or more than the interim bill, unless someone somewhere is just cooking up figures out of spite and makes an error along the way. 

2 ) The interim statement correctly indicated that I gave up the keys and moved out on XX/XX/2018. However, the final statement indicates that I moved out on XX/XX/2018. How exactly did I move out of an apartment 36 days after giving up the keys? 

The entire thing makes no sense and is consistent with mal-practice. The collection company has been made aware of my observations and have refused to discontinue reporting this inaccurate item on my credit report. 

I also went a step further and requested a verifiable letter from an individual with original knowledge of the debt who can testify that the debt ( whichever figure it is ) was not used to receive a tax benefit or in an insurance claim. They flat out ignored that request. Interestingly enough, the lease at XXXX was a joint lease with " person A '' and Myself. " Person A '' wrote a letter to the collections company highlighting these very same observations, after which they quickly replied to apologize and discontinued reporting. Why then should it stay on my report? " Person A '' and myself were equally liable on that lease. You add it on her credit report, you add it on mine. You remove it on hers, you must remove it on mine. The same reason for removal applies to both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported XXXX still does not have my correct telephone number and even though I have reported and repaired the number multiple times. Equifax is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I need cfpb to pay attention and stop banks credit cards from rip off consumers The issues is from last XXXX of 2020 I purchased clothing and did not received so I called the merchant they didnt werent to do anything about it So I called navy federaXXXX and filed a dispute After waisting tune of hours being on hold and explain They only gave me partial credit why??? 

Now they are accusing me of fraud They want me to go to postal office and find the package Then they want me to show proof of the item I didnt receive They taking the merchant over me Merchant said its been delivered It didnt delivered to me Federal navy is 1-wrongly accuse me of fraud 2- discrimination 3- try to scare and intimidate me What permits them to ask me such stupid request To go to postal office and find the package Are they XXXX out of their mind they are so cowered and XXXX Postal office do not keep their tracking after its been delivered Navy federal acted and left a discriminatory note on my account not to resolve my issues Thats why they are sending me off goose chase Taking the merchant over me Want me to go to post office and look for the package

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX and XX/XX/2018 payments were never late and the company confirmed via email. This is on my home depot card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: VA
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 the Department of Education a letter of equity of interest stating that I am willing to oblige paying the amount the Department of education claims that I owe. The original lender of the loan was XXXX XXXX  and after trying to contact them I was immediately rerouted to the Department of Education. The first letter I sent was forwarded to a different address in which I received no correspondence whatsoever. After doing some research I found two addresses to the Department of Education. One in XXXX PA and the other in XXXX KY. It has been more than 30 days and I have not received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: ACS Financial LLC
State: OR
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:
Got an email from them. See attached emails. Whoever this company or person is this is a total scam. See the XXXX links below. 

https : XXXX https : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-07-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Amazon Prime Store Card with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon Prime Store Card to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon Prime Card with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since 2019 to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.

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 2022-04-28
Company: Experian Information Solutions 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 sent letter to Experian received XX/XX/22 that there method of verification was invalid and to please correct the error of reporting a bankruptcy XXXX because I went to the data furnisher directly XXXX and after there investigation they are not reporting and bankruptcy in there files. ( LETTERS OF INVESTIGATION ENCLOSED ) Experian responded XX/XX/22 report # XXXX, that the results has been certified as accurate. I sent another letter received XX/XX/22 stating that Experian has violated 15 U.S. Code 1681i for invalidated inaccurate credit information being reported. Experian responded XX/XX/22 with report # XXXX once again that the data furnisher certified the results as accurate. There is noway Experian did any investigation when I have documents from XXXX there data furnisher stating they are NOT reporting any bankruptcy in there files. Experian has not provided me a copy of any verified proof of an investigation has been done or any documents of an investigation. Experian has obviously violated FCRA rules and my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: MD
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:
They will not reinvestigate the following items : XXXX  XXXX XXXX XXXX Dept of Education XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have tried to apply for a loan, but they denied it since they indicate that there is a social security number, I currently have an ITIN NUMBER, I do not have an SSN. This is mixed information. I have requested and sent TransUnion and XXXX the evidence and my documents, but they still ignore my request.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat late payment on a credit card account under d open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MOHELA
State: NV
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:
When my loans were consolidated with MOHELA, I had a standard payment of {$180.00}. I applied for the SAVE repayment plan when applications opened on XX/XX/2023. MOHELA quoted a repayment price of about {$120.00}. When the application was processed, MOHELA did not process it for SAVE, which was indicated on the application, but instead processed it for Income Contingent Repayment. My new payment is now {$220.00}. The terms of Income-based Repayment from the Department of Education state that any income-driven repayment plan can not exceed the standard repayment rate. When I contacted MOHELA to have this resolved, I was informed that the original quoted repayment amount was " just an estimate, '' and that I would have to pay the new payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-04-18
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Webster bank sent us a XXXX form late posted XX/XX/XXXX with a income XXXX XXXX XXXX {$830.00}, that I don't recognized, on XXXX bank statements does not show that figure, that we believe is an error from webster bank that may cause a problem with the IRS because it wasn't reported in this year filing because we don't get taxable interest. We need an investigation. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank u.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
so i deposed my paycheck every Friday for working full time my check bounce and it closed my accounts my paychecks are legit the banks there i see here are paid i just want all this off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  Account Number XXXX Delete this account. 

2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account. 

3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX XXXX Account Number XXXX Delete this account From 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the XXXX is asking you for validation ( FDCPA ).

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