BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: GA
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 in regards to Equifax, they are reporting an error on my credit report. I sent them proof the other bureaus deleted this XXXX XXXX XXXX, account for {$120.00}. They are refusing to delete this account after I let them know they are in HIPPA violation. It doesnt exist with the other bureaus. This is inaccurate false information being reported on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: MS
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:
Under consumer law 15 usc 1681c 2 which states : Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Your company has not removed the inquiry before the allowed time, which is a violation.

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 2022-04-11
Company: CoinZoom, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022 I made a {$99.00} withdrawal transaction to my bank checking account from my COINZOOM account.The company instead made a {$99.00} deposit to my COINZOOM account from my bank checking account. 
Then on XX/XX/2022 I was charged {$100.00} for an ACH reversed fee when my bank was told of the situation and communicated with COINZOOM for them to correct the {$99.00} withdrawal, to a deposit instead to my bank checking account. 
I checked the rules and did not find this abusive {$100.00} exorbitant fee COINZOOM has charged me, as this is abuse of the customer. thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: SYNCHRONY FINANCIAL
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC. 1681 section 602 states i have the right to privacy 15 USC 1681 section 605 A section 2 it also states that a consumer reporting agency can not furnish an account with out my written permission or instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open 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 2020-03-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dep Of XXXX : Inaccurately, inconsistently, and unfairly reporting. Additionally, Transunion, XXXX, XXXX are parroting inaccurate information. 

XXXX : Is inaccurately reporting OLDER DERAGETORY EVENTS on my consumer reports. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX are all being reported as 90 days late in a 30 day period. This is mathematically impossible to report 90 days late in a 30 day period. This is a clear FCRA violation and Metro 2 violation. 
I want this inaccurate, inconsistent reporting deleted from my consumer file. It is costing me much pain and anguish and costing me higher interest, and loan denials. 

TransUnion : Is inaccurately, inconsistently, and unfairly reporting on my OLDER DERAGETORY EVENTS on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; all are being reported as 90 day late in a 30 day period. This is impossible. there are no 30, 60, day 's late being reported.

This is a clear FCRA violation and Metro 2 violation.

I want this inaccurate, inconsistent reporting deleted from my consumer file. This reporting is costing me much pain and anguish and costing me higher interest, and loan denials. 
XXXX : Is inaccurately, inconsistently, and unfairly reporting my OLDER DERAGETORY EVENTS, on my consumer file. Specifically : XX/XX/XXXX, XX/XX/XXXX, is reporting 90 days late in a 30 day period. There is no 30, 60 day, sequence, this is inaccurate and inconsistent reporting. Please delete : XX/XX/XXXX, XX/XX/XXXX from my consumer file, this is costing my pain and anguish, my XXXX XXXX is high due to higher interest rates and credit denials, I have received due to this inaccurate reporting.

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 2022-04-11
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: 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 that a consumer reporting agency can not furnish an account without my written instructions.

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 2019-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed few items of my Equifax report and it wasnt taking off my report and I believe they havent received the documents to remove the account and Ive been waiting for over 30 days and each time I call a overseas Equifax customer care the line will be disconnected few times on purpose and each time dispute the item it would take longer than 30 days to dispute it ... 

The items are currently in dispute are XXXX XXXX XXXX XXXX And XXXX XXXX   And I have a copy of the FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2020-03-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a hard hit on my credit report I never authorized by a company called XXXX. NO ONE never asked for my consent to obtain my credit report nor to make a hard hit. Experian never shouldve allowed this.

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX. XXXX XXXX XX/XX/XXXX {$1600.00} XXXX. XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 2023-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX of XXXX, i called chase customer service to report un authorize transactions. I was told a claim was filed. a week after i called back to follow up. I spoke to XXXX ( representative ). she said that the claim was closed due to incorrectly filed. that same day XXXX was able to assist me to open a claim and I went to the nearest Chase brach to verify if it was correctly opened this time. i also requested the bank if i its possible to close the account and re open a new one and change all the Credit/debit card since i'm no longer comfortable using it. i was told that the account can not be closed only restricted since a claim was opened. Since XXXX, I don't have access to my online account until recently in XXXX, they reinstated my online access. Every week i called customer service to follow up my claim and XXXX ( claim department representative ) he was assigned to help me with my claim. he told me that my claim was denied due to these reasons : theres no changes made to the account information nor device registered on the account. i also asked him how come nobody notified me of the transactions? no email, text or call received from Chase to verify identity nor grant access to the transactions. normally they will send me a notification to grant access to any transactions exceed {$100.00}. i also asked XXXX, to provide me with a detailed information about the transactions including the receiver name and bank. XXXX only informed me that all he can see is the XXXX bank located in XXXX which it shows scam/fraud bank. he could not provide me with further details to whom it was sent to. Every time i call Chase customer service they would just keep transferring me to different department and mostly have different answers to my questions. the last customer representative told me that someone called me once was they were told they got the wrong number and so they never called back to inform me of the transactions. i informed them that if they can track my account activity, i mostly use it as an emergency fund and recently use it as my savings account since my XXXX was compromised last year XXXX which was link to my XXXX XXXXXXXX XXXX. i informed them to hold all further transactions from Chase. all transactions will be made at the teller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX while on the phone with that companys sales lady and the web site. I purchased a {$500.00} gift card for {$450.00} and made a purchase that was confirmed and informed by the sales lady they would ship in three day. Item was never shipped. On the XXXX of XXXX I was told the girl who took the order made a mistake and to reorder on the web site. I was unable to reorder because their web site indicated it was already ordered. They have no record of it being ordered. The web site will not allow me to order indicates the item was already ordered. They refused to give me a refund for the gift card where no item was ever shipped. 
I contacted CitiBank to stop payment around XX/XX/XXXX. They said they would send me a letter to fill out and return. I never received the letter. Called Citibank they said they will send a new letter via email on about XX/XX/XXXX. 
Called Citibank again and was told then never received the dispute letter back of XX/XX/XXXX. I obtained the dispute reference number from Citi bank XXXX XXXX XXXX XXXX to be sent via email to XXXX I sent them the documents twice, over the next two months and they acknowledge receiving the information in a return email. I asked them to have XXXX XXXX XXXX provide evident they shipped the item and that I signed for it. 
Now on about XX/XX/XXXX Citi bank says there sorry because the time limit has elapsed and I will have to pay {$450.00}. 
Called Citibank on XX/XX/XXXX and the lady told me she can see where the letter that was supposed to be sent to me via email on about XXXX XX/XX/XXXX was never sent. She went on to say its to late to reopen the case and because of the virus there is a very small staff to handle the case that has been closed. 

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 2019-11-04
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a company. My wife over saw the office, she was diagnosed having XXXX. that was about 20 years ago. My wife is on XXXX.. I was out in the field. We sold after 40 years not by choice. I XXXX  my XXXX  in 1997 XXXX took about 3 years to get on my feet. Now im on XXXX. My mortgage was XXXX  XXXX  then sold to XXXX XXXX who just sold to Shell point MTG. 
I have as of today not received any notification that I was getting a new mortgage company, final notes about the account. 
All of s sudden I have the new company, No notification nothing. So in the transition i seem to have lost a payment or so now my account seems non retrievable. My main reason for getting behind was i XXXX  my XXXX  then XXXX  my XXXX  XXXX  completely. XXXX, XXXX, XXXX this year i had 2 major XXXX  which left me XXXX XXXX.. Im trying on my end slowly but im not in fighting node to dig thru piles to locate payments. 
I know what my conversation was with XXXX XXXXXXXX when i made my last payments. 
I dont know my account number with the new company Please help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Navient Solutions, LLC.
State: NJ
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:
1. Navient was servicing my loans XXXX loans. 
2. I never skipped a payment and my account was in really good standing. 
3. On XX/XX/XXXX I made a payment to my account of {$270.00} ( in excess of my XXXX required payments - also they never froze interests during the pandemic ) 4. On XX/XX/XXXX my balance was of {$45000.00}. 
5. On XX/XX/XXXX the Department of Education purchased/consolidated my loans with a payment to Navient of {$45000.00}. 
6.That is a difference of {$360.00}.

7.There could not have been late fees because I made a payment of {$270.00} on XX/XX/XXXX and the interests ( 4.5 % ) would not amount to {$360.00} ( can not be more than {$50.00} ) 8. I called Navient and they would not address my concerns. 
9. I checked with the Department of Education if there were any consolidations fees and they assured me there were not. 
10. I wrote to Navient twice and they have not addressed my issue. 
11. I'm entitled to know what happened to the difference Thank you in advance for your help. 
Kind Regards XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Aldous & Associates, PLLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ALDOUS AND ASSOCIATES has violated Federal Law committing fraud and defamation. This company alleged I owe a debt and is trying to collect this alleged debt by furnishing deceptive forms as pursuant to 15 USC 1692j ( a ) to coerce me I to paying this alleged debt owed. furthermore this company is not licensed, Authorized, or Registered to do business in Arizona. 
Proof annexed in attachment labeled as Exhibit " A ''. 
15 USC 6801 ( a ) by not providing me the opportunity to Opt Out of information sharing and the sharing of my non public personal information with non affiliated third party consumer reporting companies which has caused injury to my character, reputation, credit worthiness, credit standing, and my right to extend credit which is a violation of 15 USC 1681. Proof annexed in attachment labeled as Exhibit " B '' * Exhibit " A '' is a copy of the list of states ALDOUS AND ASSOCIATES is licensed/Registered to operate in which does NOT show Arizona * Exhibit " B ' is a copy of consumer report ( s ) in which ALDOUS AND ASSOCIATES has furnished this information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: PARKSIDE LENDING, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted XXXX XXXX and Parkside Lending in regards to load number ****** for the property address ****** XXXX, XXXX XXXX, CA, XXXX. 

This loan has been recently transferred from Parkside Lending to XXXX XXXX  XXXX in the month of XXXX. I would like to firstly note that I have not received any notification whatsoever from both XXXX and Parkside Lending about this change. 

Additionally, I also see that XXXX account reports 3 payments due for the months of XXXX, XXXX and XX/XX/2019. I paid the XXXX and XXXX payments to Parkside Lending. Please find the monthly statement for XXXX from Parkside Lending which shows no statement balance, and also my monthly statements which show 3 payments made to Parkside Lending ( for XXXX and XXXX ) out of which I had to revert one due to duplicate payments processed. 

I reached out to both XXXX and Parkside Lending in regards to this in the past one week without much success to get this resolved. I can only pay my XXXX payment due when : 1. I receive my monthly statement from XXXX 2. I receive a transfer notice from Parkside Lending and XXXX 3. My outstanding balance due is fixed at XXXX. 

I would appreciate your help expediting this request to correct the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is reporting inaccurate information on one of my accounts. XXXX and XXXX are reporting different information. I have asked for an investigation into this account as well as sufficient proof, yet I have received nothing. I have attached the accounts reporting to XXXX and transunion for your reference as well as the initial letter that was mailed. I am requesting for the following account to be removed from my credit report immediately. DEPT OF EDUCATIONXXXX 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