BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: Synovus Bank
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because First Progress has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: Experian Information Solutions Inc.
State: MN
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:
Late the night of XX/XX/19, my bank texted me an alert of potentially fraudulent credit card charges made to XXXX. I replied to the text that it was indeed a fraudulent charge attempt. I spoke with the bank fraud team early the morning of XX/XX/19. During this conversation I became aware of completed fraudulent charges made to Experian credit reporting for {$1.00} and {$5.00} ( my bank has since reversed these charges ). The bank fraud team recommended that I request a credit report freeze, and that I obtain a personal copy of my credit report. I attempted to call Experian several times to freeze my credit report and report the fraud, only to get an automated number that wanted me to input my SSN. I was not able to talk with a live person, and still have not been able to do so. I was able to talk to with a live person at XXXX, and freeze my credit report through them. On XX/XX/19 I attempted to obtain my credit report from Experian online. I created an initial account, but was unable to log in to request the report using the password and user name I had just created. It said an account was already created for my personal information, and sent a password reminder to a fraudulent email similar to my actual email ( same user nameXXXX ). It appears that in addition to the fraudulent charges for unknown and unauthorized services, a fraudulent Experian account was created with my personal information.

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 2019-01-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Dear Sir, I have received a letter from XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX  that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX  and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: ID Analytics, Inc.
State: SC
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:
A company named XXXX XXXX  has my credit score information and is giving out my information. I have had a freeze on my credit for two and a half years due to the theft of all my personal information. I've never heard of this company and I've never been in contact with them till I tried to call them and I got a recording.

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 2023-08-02
Company: ALLIANT CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since XX/XX/2022 we have been paying on a loan for a XXXX XXXX  trailer. Most of the payments are being applied to the interest and not the principal. I have submitted extra payment to get the principal down to reduce the amount of interest, but even that has been going toward the interest and not the principal. In XXXX month, none of the payment went to the principal, it went entirely to interest. 

Granted I agreed to a higher interest rate pending a refinance, but I figured that the interest rate would be ok but not this bad, especially with overpayments not being applied to the principal. 

Since we started the loan, XXXX opened on XXXX the current balance is XXXX so only XXXX has gone toward the principal, and over XXXX has gone toward the interest. So, they are getting their total interest on the loan upfront instead of a daily balance or other computing method. 

I believe that the action of Alliant Credit Union is hurting consumers and placing an undue burden on consumers by this type of accounting and I have never seen any financial group not apply overpayment to principal balances. 

I have sent a request to apply my over payments to the principal and notified them that all previous payments are in question and that I want a review of my account. I also believe that this type of action should be looked at to protect consumers from these types of financial groups that think they should be taking advantage of consumers in this way. I am looking at refinancing this loan as well because of the actions of XXXX and no longer wish to be associated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: MI
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 to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items 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 2018-04-30
Company: Navient Solutions, LLC.
State: WI
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:
Over the last decade I have been attempting to make a plan with Navient to repay my student loan. The loan was given to me then during a period of time my ex-husband was laid off so it was in deferment, then I was divorced and it was in deferment. I called multiple times over the years to inquire about repayment plan options in order to set up paying it off and getting rid of it. Instead it has continued to accrue interest and is now at at almost unmanageable loan amount. I initiated a income based repayment plan and I will be applying to the public loan forgiveness program ; yet if there are any other options for me to rid the Navient loan or switch it to another service I would like to. I am struggling to get the information I need from Navient, plus I received poor information previously to " just keep it in deferment '' without knowing the interest was gaining the whole time. I was informed that during hardship and while I was in school interest would not acquire. In reality it has gain interest cost this entire time. 
I am not sure if anything can be done about this, but wanted to at least bring it to light. Please advise or assist if there is anything that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 


XXXX XXXX XXXX and 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

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 2023-01-28
Company: Chime Financial Inc
State: FL
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 prepaid a mobile detailing company on XX/XX/XXXX to come to my house on XX/XX/XXXX to complete a car detailing job. The company made me sign a document upon pre-paying for services. The document was signed on XX/XX/XXXX for a job that was supposed to be completed on XX/XX/XXXX. On XX/XX/XXXX no one ever showed up or called from the company to complete the job. I called the company, no answer. At that point I did research on the company and found the company is a scam. I immediately filed a claim with chime on XX/XX/XXXX. The claim number is XXXX. I also filed a fraud report, a dispute with my bank and a XXXX  complaint on the company. As of today, my claim has been denied three times. Chime is saying no error occurred. I have spoken to multiple people and no one has been able to give me any answers. I have sent in multiple documentation showing that the company admitted they did not complete the job. In two emails the company stated they would do a refund but I needed to cancel my claim which I did not do. After reading multiple reviews on the company, I found that this is another tactic they use to get you to cancel the claim and they never actually provide the refund. At that point I stopped communicating with the company all together and chose to work directly with my bank which is chime. However chime refuses to credit my account. An error occurred when the company failed to complete the job. I spoke to a chime supervisor on XX/XX/XXXX who stated he doesn't understand why the claim is being denied. I then sent an email to chime requesting documentation used to come to the decision to deny claim. On XX/XX/XXXX I received that documentation and it is exactly the same documents I sent in as well, except I sent more. In the documentation the company provided they admit that they did not show up and asked me to withdraw my dispute. Yet chime still denied the claim and sided with the merchant. I also sent the response from the company on my XXXX  complaint which is dated after the email that the merchant sent in. Again the merchant acknowledged that the job was never completed and they were unable to issue a refund. I'm confused, I'm frustrated and disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 at XXXX hours. I recieved a text message which claimed to be from JPMorgan Chase bank  asking about fraudulent activity on my account. I replied stating it was fraudulent and recieved another message informing me a representative would be contacting me shortly. I recieved a phone call from XXXX which is the customer service line from chase bank. I answered and a well scripted young man asked all the right questions about a fraudulent XXXX transfer for {$2000.00} to a XXXX XXXX. He informed me in order to reverse the charge I would have to send myself a XXXX transfer for {$2000.00}. He gave me a fake email and asked if it was mine, i replied no and he asked what email address to change the account to. I then sent myself in XXXX the money. When i gave him the email address I promptly recieved 2 emails from chase bank informing me of a change of email on the account. Everything looked normal until i logged into my account and saw only 1 transaction sending {$2000.00} to myself which i never received. About 30 minutes went by and I became nervous and called the bank, they informed there was no record of a call made to my phone on thier end and that I had been scammed. When i asked about my money i was told there is little to no chance I would get it back unless the bank could find the person that scammed me. I immediately filed a police report. My wife went into the bank on XX/XX/21 to ask about reimbursement and was told that since I authorized the transfer ( not knowing it was a scam ) that we were not entitled to reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Client Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I requested a documentation that shows that i have a binding agreement with the collection agency or the creditor, whom they are trying to collect on behalf of. They did not send me any information other than a letter stating that i owe an amount that i do not remember ever having.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: CA
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2018-04-30
Company: Experian Information Solutions 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:
A

ccording to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Sign
ature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was charged a membership fee of {$45.00} that I was told last year that I would no longer be charged for. I was then charged two late payment fees of {$39.00} each month for two months. A total of {$110.00} was now overdue and reported to the credit bureaus as delinquent. The problem summary. I was NEVER informed via ebill that these amounts were charged. I did not receive hard copies of these amounts due. I was never telephoned to advise me that I owed this money. I was told that no membership fee would be charged to my account. I was advised of a credit file change by XXXX so I went to my XXXX account to verify this information. I then called XXXX at which time they initiated a credit to my account for {$110.00} and told me they did not know why I did not get my XXXX. My XXXX  was initiated several years ago and upon checking, my email, telephone number, and address were correct on their website. Because of this, I lost over XXXX points on my FICO scores. I have sent this information to XXXX starting a dispute on XX/XX/XXXX  the date I received the initial information. I have remained in contact with XXXX as they review my issues with XXXX and have retained a lawyer to help me reverse these erroneous issues and get my FICO score back! Just the other day, I received an email from XXXX asking me to verify my profile ( email and address ) change which NEVER 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 non-monetary relief