BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: HI
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:
RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX " Picked up at a postal facility at XXXX pm on Tuesday XX/XX/2022 '' Dear Equifax, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX pm on Tuesday XX/XX/2022, I am now DEMANDING that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Names and Account Numbers : XXXX XXXX  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 Pursuant to 15 U.S. Code 1681c2 ( a ) : Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME. 
15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am in the process of repayment under an income based repayment plan. Upon renewal, I submitted the application but the information was input as deferment/forbearance instead of renewal. I then began to receive calls about information I had already submitted. My monthly payments then doubled beyond what my income can support, and I was unable to make online payment as I did the prior month. I am in the process of resubmitting this information again but the web-site has changed and is less friendly than before. I am now having to mail this information, prolonging the handling time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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 XXXX Balance : {$35000.00}

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 2020-06-29
Company: KEYCORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am the parent/co-signer on my son 's student loan that is serviced by Key Bank/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXXXXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX/Key Bank reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that Key Bank has no process to settle accounts. I want to be able to settle the account due to the unfair damage Key Bank/XXXX XXXX caused me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citi Bank credit card enrolled me in their payment safeguard program without full explanation of the charges.I honestly do not remember even consenting to this program. I would like proof or my consent but that could not be provided when I called the safeguard program. I have never used or benefited from the payment safeguard program, but continued to be charged for it. This program has caused me to accrue hundreds of dollars of additional debt. I feel taken advantage of and played a fool. I now have to pay extra money for something I have never used or even asked for.

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 2021-08-20
Company: Phoenix Financial Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 36 inquiries in my credit report and I have never applied for all those companies, the only thing I ask is that they remove that from my credit because that is damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I have made several attempts with TransUnion to add a statement to my credit report with no success!. I either get locked out in the middle of typing my statement, or I get notifications that I am adding in unallowed characters, or I am told after I actually get to hit the submit button for the statement that their site is temporarily unavailable. At one point after attempting to log in it took TransUnion seven ( 7 ) hours to send me am Authorization Code that is valid for only 20 minutes. And it went through the steps of trying to get this code several times. 

It seems that TransUnion is intentionally stopping me from entering my consumer statement. I don't know if they work together with the collection agency, but it really feels so in this case!!! This is a dispute that is fairly new and not my debt, and I would like to address this as soon as possible, but TransUnion is not allowing me to. 

This debt is my son 's. I signed a lease along with him. The lease expired XX/XX/2022. I never lived in the apartment. At lease expiration my son continued in the apartment month to month and any charges after XX/XX/2022 I am not responsible for. 

Would you please help me to enter my consumer statement onto the reporting bureau 's website.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: SC
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 AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA  AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: RI
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 these accounts have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish account without my written instructions. 

XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX 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 2023-08-15
Company: EQUIFAX, INC.
State: AL
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 11th 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 an alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2023-03-08
Company: Experian Information Solutions Inc.
State: PA
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:
Consider this as my follow-up request to tell you that I'm a victim of identity theft. Again, I was going through my records & noticed many information or items which do not belong to me. Please block or remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} 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 2022-05-06
Company: Credit Plus 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:
I have a credit inquiry on my report from Credit plus and I didnt give them permission to run my credit. Furthermore I dont even know this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, 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:
Citibank is now making false reports on the consumer banking reports about individuals. Citibank locked my 2 accounts and 1 without my knowledge, have now reported false information on the consumer banking report. I was trying to apply for another banking account with XXXX Bank and the report came up with fraud and saying I had committed the fraud. The bank refused me an account because of this. 

This is false information they are reporting on me. Someone committed fraud on my bank account, and I reported it. So, they claim they are not done with the investigation. It is enough you steal customers money and hold their money captive. Now you are making false reports on consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I was notified by XXXX a new Credit account with XXXX was opened in my name on XX/XX/2023. I did not open this account and I believe it is fraudulent as the result of Identity Theft. I have since opened 2 complaints with XXXX XXXX XXXX and they have not resolved the matter. Also I never received any card in the mail. This confirms my fear that it is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank Customer Service Department Dear Sir/Madam XXXX I am writing to inform you that I have recently received a check from [ XXXX XXXX XXXX ] in the amount of XXXX, and I believe it may contain a corrected payment. I want to confirm that this check is legitimate and not fraudulent. 

The check was issued on XX/XX/2023, and the payment could be a correction for a previous transaction or invoice. To ensure that this payment is processed correctly and promptly, I kindly request your assistance in verifying the authenticity of the check and processing it accordingly. 

Enclosed with this letter, please find a copy of the check for your reference. If you require any additional information or documentation to confirm the legitimacy of this payment, please do not hesitate to contact me at XXXX or via email at [ XXXX ]. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the check 's legitimacy. Your assistance in resolving this payment is greatly appreciated. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Although this account is paid in full ( confirmation via email dated XX/XX/XXXX ), I received a copy of an email dated XX/XX/XXXX from XXXX addressed to XXXX stating that they were to proceed with a debt recovery case against me in the amount of {$1100.00}. Not only is this account paid in full, it exceeds the statute of limitations. I'm tired of these scammers getting away with this and I've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To obtain financing on my purchase, Synchrony Bank asked me to jump through several hoops. I have excellent credit, have lived in my home for more than six months, and was born in the US. I also have a Synchrony savings account. 

On XX/XX/XXXX, I submitted my application. On XX/XX/XXXX, Synchrony instructed me to submit a notarized affidavit of identity. They offered me a {$25.00} credit because of the inconvenience. I faxed it to them on XX/XX/XXXX. They were supposed to make a decision within a week. 

On XX/XX/XXXX, Synchrony Bank rejected my application because they could not authenticate my identity, even though I'm already their customer. Why? 

Will this rejection affect my credit report? The Synchrony staff didn't know. Can you prevent this error from hurting 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 11th 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 an alleged fraud or extortion. 
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