BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Reliant Capital Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX sign up with XXXX XXXX XXXX and was told I was paying for the class with a Pell Grant that was free and did not have to pay out of pocket.

I was not able to complete the course because I got sick. Theirfore, I was told by the school the Pell Grant that I was represented to be free that I had to pay because I did not inform their school. 

My mom spoke with the school also and was told they would check into the matter. 

I was informed that the funds from the Pell Grant had to be sent back to the USDE because I did not finish the school for the full course. 

Also, the school referred my account to a collection agency that have called me from different numbers attempting to collect money for XXXX XXXX XXXX  that solicited me that my course was free since my income qualifies me for a Pell Grant that is free that does not have to be paid back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/2019 I received a letter from chase containing the following text : " We can't locate the transaction information you requested. 
If you have additional information, please contact us as soon as possible. We'll open a new request and try to locate the transaction with that information. '' When I informed Chase that its letter was vague and has not identified any specific requests from me. Chase 's response was equally vague : " The letters you received from us were the result of questions raised in the online secure message center that we were not able to address with the information provided " My current question to Chase 's response is he following : Which question or questions raised in the online message center that Chase 's referring to in its response were the results of the letters being sent to me, I would like to know the date, time, and the completed text of the secured message that Chase is referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email from " XXXX '' about supposed " Upcoming changes to your Online and Mobile Services Agreement. '' To my knowledge I have no financial relationship with Truist or XXXX ( mentioned in the email message text ). I have never downloaded either app on my mobile phone. I do not want to have a financial relationship with any of these entities, do not agree to any of their terms of service, and am confused why they have my contact information. 

I tried to access customer service on their website and they have no obvious option to contact them. The fine print of the email message directs me to reach customer service while logged into their App or website. But I do not have login credentials for an account I did not create. Their website does not allow me to reset these credentials using my email. I do not feel it is my obligation to chase down their opaque customer service options to discontinue this relationship since I never sought their services. 

My name is XXXX XXXX. The message was sent to XXXX. I would like them to close it down any account created attached to my name or my email.

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 2022-05-26
Company: American Credit Acceptance, LLC
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit report XXXX XXXX  account XXXX AMERICAN CREDIT ACCEPTANCE LL has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 : it's also state a consumer reporting agency can't furnish an account without my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CITIBANK, N.A.
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 account was fraudulently opened and maintained. I've contacted the company ( Best Buy ) and communicated that. But they keep calling and threatening to place it in collections.

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 2018-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, NOTIFIED THE CREDIT BUREAUS OF THE ITEMS AND LATENESSES ON MY CREDIT FILE OF THE FRAUDULENT ACTIVITY ALONG WITH MY POLICE REPORT OF THE IDENTITY THEFT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACTIVITY AS DIRECTED ACCORDING TO THE FCRA LAW SECTION 605B WITHIN 4 BUSINESS DAYS AS THE LAW REQUIRES THEM TO DO AND THERE NELIGENCE HAS CAUSE ME TO GET TURNED DOWN FOR LOANS ECT. AS THE FRAUDULENT ACTIVITY ON MY REPORT HAS LOWERED MY CREDIT SCORE CAUSING ME TO BE AFFECTED AND IF I DONT HAVE THE SCORES REMOVED AS THEY WERE TOLD I WILL BE FORCED TO FILE A COURT COMPLAINT AGAINST THESE COMPANIES FOR THE NELIGENCE.

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 2023-09-19
Company: MicroBilt / PRBC (formerly CL Verify)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
THIS COMPANY MICROBILT CORPORATIO Inquiry : XXXX. XXXX, XXXX  ADDED A HARD INQUIRY TO MY XXXX CREDIT REPORT WITHOUT MY AUTHORIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX XXXX. 

XXXX - Acct # XXXX XXXX Department of Education - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX and XXXX XXXX  - Acct # XXXX, have 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 an 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 2023-02-11
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 : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 then 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 2022-05-26
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Genesis FS Card Services, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I proactively paid my XXXX bill on the XXXX of the month. However, this evening I received a notice that my statement was ready. When I looked at it, the payment had been applied but not to the minimum due. The payment is also due TOMORROW. I already paid more than my monthly payment, and they told me I have another payment due that must be submitted within 24 hours or I will incur a late fee. This a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX 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 Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.

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 2018-03-22
Company: Crow Creek Sioux Tribe
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX dollars. Website said click here, funds in account next day. It said click to continue. I did. Then i called and asked about how many payments i must make. I was told XXXX for 5 payments. I said ok and clicked on button to agree. I made 5 payments and called them. They said i must make 20 payments all together and only XXXX dollars from the XXXX went to my principal. This is almost 100 percent interest which is illegal in new jersey

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 2020-12-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I reported fraudulent transactions on my credit card that came from XX/XX/XXXX which is a company I have authorized numerous purchases with before. The charges were not made in person, and I made the customer service representative aware that my card had not been lost nor stolen and had never been out of my possession. 

Tonight, I attempted to make a purchase with this card prior to going to the grocery store and the card was declined. Upon checking my account online, I saw that the card had been closed due to being lost or stolen, though I had never made such a report. 

I was given no noticed of the impending cancellation of this card. I did not receive a phone call, and email nor a letter and have been completely blindsided. In the midst of a pandemic wherein my hours have been cut and my income has decreased by over 60 %, I am left without a usable card with ZERO notice. 

When I called Wells Fargo, I was told that a new card was sent to me and would " probably '' arrived by Friday. So I will be without a usable card for three full days. I told the customer service rep to reopen my card as I had never reported it stolen in the first place, which she refused to do. Instead, she told me that I could go into a branch and get a cash advance, which of course carries phenomenally high fees. 

Essentially, this company has blindsided me by falsifying information and then telling me my only option is to borrow money from them at an exorbitant rate in the meantime.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Removal and Deletion of Personal Information XXXX XXXX # XXXX, # XXXX Dear Sir/Madam, I am writing to request the removal and deletion of my personal information from XXXX XXXX 's records and databases. It has come to my attention that there is inaccurate information associated with my name, and I wish to have my profile entirely expunged from your system. 

I want to emphasize that I have never engaged in any business dealings with XXXX  XXXX, nor have I ever held any accounts, made payments, or otherwise interacted with your company. Yet, there appears to be erroneous data attributed to me within your records. 

In light of the aforementioned, I kindly request that you promptly undertake the necessary actions to remove and delete all information related to me, XXXX XXXX, from your system. This includes but is not limited to any accounts, personal data, and associated records. 

I understand the importance of data accuracy and compliance with data privacy regulations. I trust that XXXX XXXX will take the necessary steps to ensure that my information is completely removed and that any traces of my presence within your databases are permanently deleted. 

I kindly request written confirmation that my information has been successfully removed from XXXX XXXX 's records. This confirmation should outline the specific actions taken to address this matter. 

I appreciate your immediate attention to this request and look forward to a swift resolution. If you require any additional information or have any questions, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. 

Thank you for your assistance in resolving this matter. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: AES/PHEAA
State: CA
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 requested that my account be reviewed as the total number of eligible payments were not accurately totaled when my loan forgiveness was issued. I am due a refund which I have requested several times and have not received. 

I called PHEAA ( Pennsylvania Higher Education Assistance Agency ) a few months ago to place this request over the phone and I have not heard back. I never cashed the {$25.00} check that was issued to me and I do no plan to as there has been a lot of harm that has resulted from not having been issued loan forgiveness in a timely manner as well as not having received the refund which is due to me in a timely manner. I have called the phone number on the letters sent to me from PHEAA many times and there is no answer. It rings once and then the line is disconnected. The phone number supplied : XXXX is not a working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/XXXX. On XX/XX/XXXX, I received a credit card offer from Citi for a XXXX XXXX XXXX XXXX XXXXXXXX Credit Card. the Invitation number is XXXX. I spent an hour looking for ways to contact Citi, but I could not find any phone number to call. I have followed the permanent Opt-Out process and it appear that Citi is not using the data from XXXX or the XXXX XXXX XXXX to limit its unsolicited offers of credit, so I felt it is important to do a  formal complaint.

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 2023-04-12
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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXX XXXX  XXXX Balance : {$23000.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX**** Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},

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 non-monetary relief
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}

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 non-monetary relief