BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-09
Company: FlexShopper, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Wednesday, XX/XX/2022, I sent XXXX XXXX Mail Letter to FlexShopper for the purpose of disputing and validating the debt. There was a problem with their XXXX XXXX Credit Card where the payment was declined and the order needed to be performed again. There is no record that FlexShopper paid for my order using their XXXX XXXX Credit Card, and according to my records I was double billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the fair credit reporting act i believe XXXX XXXX auto account XXXX has violated my rights, XXXX XXXX XXXX section XXXX states i have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : a creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-18
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:
Dear XXXX XXXX XXXX I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
my account has been used in a attempt to commit fraud I have no known prior knowledge or debt with this company Are you familiar with something called 15 U.S.C SEC 1681 ( A )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, Could you please check on these and get back with me? I saw on a credit site and board where this lawyer said you have 30 days to complete this investigation. Please Investigate the following accounts and remove them if anything is missing or not correct on them

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 2022-10-26
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-18
Company: ALLY FINANCIAL 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:
I file a Dispute in regards to the incorrect items on my credit report it is well over 30 days and I have not received any investigation results

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 2023-07-15
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The IRS stated that my Federal Income Tax Refund was deposited into my Chime account on XX/XX/2023. After a few weeks of waiting it was determined that my account number on my tax return was incorrect. The deposit had occurred by the time the inaccuracy was discovered. Chime assured me that the funds would be rejected since the deposit didnt match the account owner. I waited the prescribed XXXX weeks for the funds to be returned to the IRS and a paper check be issued. After waiting, I was informed by the IRS that the rejection didnt happen. Chime accepted the deposit despite the inconsistencies with the name on the deposit and the account. For the past 3 days I have been in contact with Chime. I was transferred XXXX times via chat. I would explain my situation and then the representative would reply that they were experiencing technical difficulties and needed to transfer me. They did this XXXX times to tire me out and force me to end the chat. I then called and was transferred XXXX times before I demanded to speak with a supervisor. I explained the situation to him as well and he kept telling me that the system would reject the deposit if it didnt match the account owner. I spent XXXX minutes explaining to him that I understand in a perfect world the system is designed to reject it, but my situation must be an outlier because this did not happen. I repeatedly asked him to just take the account number I gave him and verify that my refund posted to that persons account. I sent an email with all of the proof from the IRS to include my tax documents. He wanted me to believe that he couldnt access an account with just the account number and no name and that no one in the company could do it, so there was no need for me to try to speak to anyone else. I told him that was absurd!! and there was no way I was accepting that answer. He then went back to trying to tell me that the funds would be rejected and sent back to the IRS. I asked him to kindly tell me how long that would take if that was the case. He said XXXX days. I then told him that its been almost XXXX months!! He kept talking in circles and refused to resolve my issue. I am 1000 % sure that my refund posted to that persons account thats on my tax return. Chime refuses to correct the issue!! I was defrauded out of almost {$10000.00}. Chime dropped the ball and did NOT verify that the names matched and in return I was robbed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX credit account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: ProCollect, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Procollect calls on a daily basis for XXXX XXXX XXXX and XXXX XXXX i have already spoken with them about these accounts but they continue to call daily

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 2022-04-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent letters to the consumer reporting agency to notify them about the inaccurate information on my consumer report. I even attached a copy of my driver 's license. I am in distress and this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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:
in accordance with the fair credit reporting act i believe XX/XX/XXXX XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a 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 a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2021-01-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I HAVE DISPUTED THESE ITEMS WITH ALL 3 BUREAUS AND HAVE NOT RECEIVED ANY RESPONSE OR RESULTS, BY LAWS OF TH FCRA IF THE BUREUAS ARE FOLLOWING THE SAME LAWS AS YOU, THIS SHOULD NOT HAPPEN. PLEASE ASSIST IM ATTACHING, DRIVES LICSENSE UTILITY BILL SSN, AND FTC IDENTITY THEFT REPORT. 


THIS IS CAUSING MY FAMILY SO MUCH FINANCIAL STRESS **************ATTACHED IS A LETTER FOR EACH CREDIT BUREAU******XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For years, I have been facing persistent issues with Chase Bank, but now I have reached my breaking point. Recently, I made an online clothing purchase using my bank account, only to find that the clothes didn't fit me properly. Consequently, I initiated a return process, which unexpectedly required me to pay for the return shipping. To my dismay, XXXX XXXX, the retailer, informed me that instead of a full refund to my bank account, they would only provide me with a store credit for half the purchase price. 

Expressing my dissatisfaction, I informed XXXX XXXX that I would no longer be conducting business with them, as it was unfair for me to bear the cost of my own return and not receive a complete refund. Seeking resolution, I escalated the matter with my bank, providing them with the necessary evidence. However, to my astonishment, my bank charged my account without conducting a thorough review, even though I had requested to speak with a supervisor. 

When I finally managed to speak with a supervisor named XXXX XXXX, she callously informed me that their decision was final and suggested that I pursue legal action in small claims court if I wanted my money back and hang up the phone. This is so disrespectful to me and my money I put in the bank. Disheartened by this dismissive response, I recall our conversation taking place on Monday, XX/XX/XXXX, between XXXX and XXXX XXXX. 

I am utterly exhausted by Chase Bank 's negligence in safeguarding my funds and their tendency to favor vendors over their own customers. This is precisely why I refrain from using cash, as it seems that people can be deceitful in various ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was offered a settlement for my loans via a settlement letter in XXXX XXXX. Neither the adjuster I spoke with, XXXX XXXX, nor the letter I received advised me that I was only paying one of three loans. 
Rather the letter references that the settlement offer, if paid by XXXX, NAVIENT would consider " the loans '' to be settled in full. In fact, the letter referenced " loans '', plural, three times. It never stated this was payment for only one loan. It also never made a distinction that Navient private sector was different from Navient Government Sector. It relied on me not knowing there was a difference. 
I was collecting unemployment due to Covid and had received a stimulus payment which I used to make that {$2200.00} settlement, believing I was paying my whole student loan debt. Again, at no time did the adjuster tell me there were three loans and nor did the settlement letter I received say I was only paying one. It said " loans '' plural. 
NAVIENT was deceptive in nature and banked on my ignorance. I paid the {$2200.00} in good faith on XXXX believing I was settling my whole loan obligation and was NEVER advised otherwise, either in writing or by an adjuster on the phone. 
The letter also promised to report this to all three credit bureaus. To date, this has also never happened. Another deception of NAVIENT. 
As far as I am concerned, my settlement payment was for all open loans, no matter what sector, that I had with NAVIENT. I consider the matter closed and demand that NAVIENT report as such to my credit bureaus, send me a letter confirming such in writing, and cease all emails and phone calls to the contrary. I don't owe them a XXXX more blood than they have already squeezed from my stone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX as mine but I haven't received any information regarding this or had the right to dispute. Please supply the information below so that I can be fully informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX  is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}

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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: TX
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:
I have 2 legitimate accounts with Synchrony Bank ( an Amazon Prime card and a CareCredit card ). Today, I received 3 emails from Synchrony, one regarding " status of your recent application '' ( I havent applied for a new account ) and and 2 others regarding verification of checking accounts via trial deposits ( I did not attach a new checking or trigger a verification ). Suspecting fraud, I immediately placed fraud alerts with all 3 bureaus and called Synchrony to find out what the application is and have it cancelled. After speaking to a rep, I was told this was regarding an Amazon XXXX XXXX account ( I didnt apply for one ) but that the rep could not review the application or stop it. She transferred me to the department that was supposed to be able to, but it was just an automated system with no way to speak to a person or resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, ( Payor ) wrote a check number XXXX to ( Payee ) for the sum amount {$68000.00}. On XX/XX/2022, Payee made an ATM check deposit for said sum amount in question. The Payees bank TD Bank placed a 6-day business hold on the funds and subsequently the hold being lifted put a restriction on the Payees account for identification verification. On XX/XX/2022, both Payor and Payee entered TD BANK branch located on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Fl. XXXX, for the purpose of identification verification. Upon such verification TD Bank refuse to release the funds to the Payee and informed him that his account was being closed stating TD Bank no longer want relationship. 

Currently, TD Bank has been in possession of the {$68000.00} in question for approximately 9 months and refuse to release the funds to ( Payee ) after identification verification was completed and without valid cause and refuse to have the funds return to ( Payor ) account upon Payees request. TD Bank has an obligation to return funds not subject to fraud back to where it originated.

However, Payor was directed by the Payees bank TD to reach out with XXXX XXXX XXXX and have the bank submit a claim requesting the funds to be returned to the Payors account. According to TD Banks Back Office, XXXX XXXX XXXX has not submitted any claims requesting the funds to be return back to the Payors account. XXXX XXXX Bank has an obligation to the Payor to make such request upon Payors request and has failed to do so.

Payor has made numerous calls to XXXX XXXX XXXX  requesting that a claim be submitted to TD Bank to have the funds returned to his account. XXXX XXXX XXXX allegedly submitted a claim requesting the funds to be returned according to their BACK OFFICE but have not provided the Payor with any documentation as proof showing a stamp date and time as to when the claim was submitted. XXXX XXXX XXXX has continuously relied on its response dated XX/XX/2022, stating, In researching your inquiry, we determined the issue of possible fraud on your account needs to be resolved directly between you and PAYEE, to deny Payors request in submitting a claim to have funds withdrawn from his account returned, thus depriving him of his property ( monies ) that was in trusted in the hands of XXXX XXXX XXXX. 

XXXX XXXX XXXX has willingly refused to submit any claims to TD Bank requesting the funds to be returned to Payors account and to provide any documentations demonstrating that such request was made. The monies are not subject to fraud nor there exist any evident that would state otherwise. Both Banks are violating the Payors and Payees rights in depriving them of the monies without any valid cause and are abusing their power in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Receivables Performance Management, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2021 i switched from XXXX to XXXX XXXXXXXX. I was not on contract and with ( XXXX  ) to come into store. I refused and they billed me for the next month and only the next month. If anything they owe me for a half month of service. They have collection agencies harassing 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XX/XX/XXXX account was close and paid off with a XXXX balance they refuse to update the information on my credit report XXXX XXXX XXXX XXXX this account is close. It paid off with a XXXX balance. They refused to update the information on my credit report. 

XXXX in XX/XX/XXXX this account is closed and paid off, is still shows up with a negative balance, a late payment and they refused to update it 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 non-monetary relief