BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: Resurgent Capital Services L.P.
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: BARCLAYS BANK DELAWARE
State: CT
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:
In XXXX of XXXX I filed a complaint regarding fraud on my credit card. This case involved XXXX XXXX and XXXX XXXX credit card. 

Now this account is closed. On XX/XX/2018, XXXX XXXX XXXX from the Office of the President in the company of XXXX XXXX, called me. She assured me the credit I was due would in fact be sent " soon '' but she could not give me a actual date. 'Perhaps 7-14 days, but she was not sure '. This call lasted about 5min in total. On the XXXX of XXXX I called XXXX and left a message informing her I still have not received the credit. 

It is now, XX/XX/2018 and I still have not yet received the credit. It is small in nature, under {$500.00}. but now it is the principle of the matter over amount. To be promised something from such a large credit card company, after a complaint is filed, and then to have no result, is mind boggling to me. I do not understand how companies can get away with this at all. 

Hopefully in filing this follow up complaint, the XXXX is able to assist me and cause this company to keep their promise. 

Thank you, and I look forward to resolution soon.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: DE
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:
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 : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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. The above companies have not verify proof of my identiy. drivers licence or signatures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX is charging me late fees despite my having already made greater than minimum payments. 
On XX/XX/XXXX, I paid my XXXX balance ( including a late fee ) in a store. They wouldn't tell me the balance amount so paid an amount I knew would be greater than it ; I ended up paying {$78.00} more than my balance, therefore I had that amount to spend before owing anything to the account. 
On XX/XX/XXXX I made a {$56.00} purchase. I knew the overage in my account would pay for this. Yet on XX/XX/XXXX I was charged a late payment fee even though I had already paid XXXX this amount months earlier. In XX/XX/XXXX or XX/XX/XXXX, I was able to reach XXXX on the phone and explained that they had charged me an incorrect late fee, that I had paid what I owed months before the fact. I asked what happened to the {$78.00} I had overpaid. The associate said I had been mailed a check in XX/XX/XXXX ( reflected on older state as XX/XX/XXXX Credit balance refund + {$78.00}. ) I said I had never received such a check and that XXXX could not simply post a purchase to my account if I did not actually receive any products of funds. The XXXX people agreed : they refunded the XX/XX/XXXX late fee and they said they would send " another '' check for {$78.00} to account for the {$78.00} purchase they had taken out of my account on XX/XX/XXXX. I asked for a reference number I could refer to if I again received no check and needed to call back. The associate promised I would get a check and would not need to call back and refused to provide a reference number. They said I would receive the check in 6-8 weeks. 
Months later, I had still not received any check. 
On XX/XX/XXXX, I made a purchase at a XXXX store. My next payment due date for the card was XX/XX/XXXX, with {$27.00} minimum payment due. I did not pay this as I had already paid XXXX the {$78.00} on XX/XX/XXXX which they have to this day not applied to any of my purchases nor transferred into any bank accounts I own. On XX/XX/XXXX they charged me a late payment fee of {$27.00}. Of course I did not pay because I was not late, I had already paid enough to cover the minimum payment on XX/XX/XXXX. On XX/XX/XXXX they charged another late payment fee, this time for {$38.00}. Again I did not pay the fee because I had already paid in XX/XX/XXXX and that amount I had paid was more that the minimum payment would have been excluding the phony late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance Owed : {$580.00} ; XXXX XXXX  Balance Owed : {$660.00} ; XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXXXXXX Balance Owed : {$380.00}.

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 explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: NY
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
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:
To Whom It May Concern- There was an account FRAUDULENTLY opened in my name with XXXX XXXX.

I am victim of IDENTITY THEFT and this is one of MANY accounts that was obtained as result of such.

All 3 CREDIT BUREAUS are in receipt of my police report, along with other documents supporting such.

Ive contacted both the CREDITOR, that being XXXX XXXX and ALL CREDIT BUREAUS advising that this is not my debt.

XXXX  & XXXX have both completed their investigation and removed this account from my credit report ; however, EQUIFAX has not.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.

Im having to re-open disputes with EQUIFAX every 30 days ; thus, again NEGATIVELY IMPACT MY LIFE.

Im confused as to why EQUIFAX is still reporting this on my credit when XXXX & XXXX   have both removed it.

Considering the MASSIVE BREACH this company, that being EQUIFAX, has exposed consumers such as myself to, it is very disheartening to see their lack of concern.

EQUIFAX has removed this account twice and placed it back on my credit yet AGAIN! This is VERY FRUSTRATING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chase Card was reported on XX/XX/2019. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: LA
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:
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. 
Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. 
Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

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 2022-03-22
Company: Opportunity Financial, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Sezzle 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: Information belongs to someone else

Complaint:
A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: GA
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 purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay bill and the young man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call Experian myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. Thank you 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 2022-03-22
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-11-12
Company: Maximus Education, LLC dba Aidvantage
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
NAVIENT SOLD MY LOAN TO A UNKNOWN THIRD PARTY XXXX WITHOUT MY CONSENT AND MADE IT HARD TO FIX THE LOAN. THERE WASNT ANY COMMUNICATION FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They said I missed 2 payments, and didn't contact me in any way to inform me for 6months, what they thought was going on... this messed up my credit rating, and I never missed a payment. I am currently trying to buy a house and can't do it because of 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 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: MI
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:
On XX/XX/XXXX I requested information and clarification on my SAVE plan as I had received multiple messages with differing amounts. One said my new payment amount would be {$160.00}, one said {$110.00}, one said {$0.00} starting XX/XX/XXXX. The actual amount that was due according to my account was {$420.00}. I reached out again on XX/XX/XXXX after giving more than the two business days they stated they would respond in and they still have not responded.

Company response to consumer: Closed with explanation