BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a victim of identity theft please remove this fraud inquiry from 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 2021-01-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Because I have disabled my Coinbase account because of the hack I do not have access to exact dates, numbers, however I can express my actions. In late XXXX it seemed the first initial hack. Since then it is believed that XXXX has been taken from my crypto sent to the same crypto address. I emailed coinbase about this and then decided to disable my account while I await further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 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 2023-07-07
Company: 1st Franklin Financial Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an account with 1st Franklin Financial for a XXXX $ loan. That somehow became a XXXX loan. They also had me put my XXXX  up as collateral on the loan. Issued insurance on the vehicle that I had to pay, I had no idea that I would have to pay for. I had a previous loan with the company the balance was XXXX when I applied for the new loan.I make my monthly payments and I also make overpayments. When checking my payment history I noticed that my overpayments have been pooled as a partial payment. Which is not being applied properly which costs me more in the amount of interest being paid on the account. I spoke with the manager and she explained on XX/XX/23 that my per diem rate on the account was {$3.00}. That's about $ XXXX  monthly. Today when contacting the company I received information that my XXXX XXXXXXXX was {$3.00} on the loan. My problem is that my overpayments are not being applied to my account which keeps the interest rate higher than it should and prolong the life of the loan. At this point I am not paying any more money until we can get this situation rectified. Loan rate is XXXX % which is extremely high by any standard. And my credit score is in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to Section 392.101 of the Texas Finance Code prohibits a 3rds party debt collector from engaging in collections in Texas unless they have obtained a surety bond and it is file with the State. The Texas Secretary of State has no bond on file for Portfolio Recovery Associates. They are attempting to collect {$460.00} from me and are damaging my credit as a result. It does not appear they meet the State of Texas Licensing Requirements and are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SYNCHRONY FINANCIAL
State: NV
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:
Syncb Paypal Im filing a dispute on a hard require

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit inquiries below are damaging to my credit rating. I have asked Transunion multiple times to provide full documentation regarding the circumstances surrounding their release of my credit report pursuant to the permissible purpose provisions of the fair credit reporting act. I have also filed a FTC report with the following inquiries and they failed to respond to my request for removal. 

1.XX/XX/XXXXXXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX 3XXXXXX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX 5.XX/XX/XXXXXX/XX/XXXX 6.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7.XX/XX/XXXX XX/XX/XXXX 8.XX/XX/XXXXXX/XX/XXXX 9XXXX XX/XX/XXXX If Transunion can not provide such documentation, they are obligated to remove the offending inquiry at once

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2022-12-18
Company: Experian Information Solutions Inc.
State: IL
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 AccoXXXX 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 XXXX XXXX {$10000.00} 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 XXXXXXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
JPMorgan Chase offered me a balance transfer with a 0 % promotional APR. I was in a rut debt-wise, so this came as a godsend as it would help me pay off my debt faster by avoiding interest payments. Before I took the offer, however, I asked questions regarding how transferring over a balance from another card to my Chase Unlimited Freedom Card card would affect the balance that was already on the card. I was specifically and repeatedly told that the minimum payment due will go to the balance with the lowest APR, and that any further payments beyond that would go toward my highest APR balances. I asked to confirm that if I were to pay the total purchases balance for the month that I would not be charged interest and I was told that that was correct. 

This is the reason I took advantage of the offer in the first place, as balance transfers are done to save on interest payments. I had a pretty hefty transfer, so there is no way I can pay it off in any short time-period. This basically means I have to not use the card anymore or face extra interest payments. I wanted to continue using the Unlimited Freedom card because it earned 1.5 % in cash back rewards but if I am charged interest regardless, there is no amount of money I can spend where it'd be worth it, as the effective monthly interest rate is higher than my rewards rate. I would have NEVER transferred over the balance if I was not lied to and told that I could ensure that interest charges would not occur by paying my monthly purchase balance. 

I have already faced hundreds in additional charges, which has made this balance transfer more expensive than simply leaving the balance on my prior card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
If there is any name in your system that does not match the first and last names listed on this letter, it is imperative that you remove it. My only name is XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Please make sure you remove any address in your system which does not match the address listed on this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: JPMORGAN CHASE & CO.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to open a checking account with Chase bank today, XX/XX/XXXX. I got a declination letter stating that there was something on my consumer credit report stopping Chase from granting me an account. Let me also mention that Chase is the holder of my automobile loan, originated XX/XX/XXXX. I was given the number to XXXX to contact them with questions. I called XXXX and was told that they can not tell me what is causing the bank to decline my application. They offered to mail a credit report. I then called Chase to see what is causing the application to be declined. They were very accusatory and told me that I needed to contact the credit bureau, which I had already done before calling them. I also went into a Chase bank branch, where I was also not told anything. How is it that neither agency knows anything, but has all of my information? Why do I have to provide all of my information to XXXX to prove my identity, but they give me absolutely no information. As a consumer, this is a horrible experience and leads me to believe that there is fraud on the account. No one will tell me anything when it comes to my credit and I am very upset. My credit score is between XXXX. I monitor my credit weekly, so I felt that I was clear on what was reporting on my credit. Why do we trust the credit reporting agencies if they are not here to help us? I am begging for help to find out what is going on and I'm just being told to review the credit report and dispute anything that is incorrect. But I don't even know what I am disputing. I am furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2022-11-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a statement from Woman Within in the amount of {$73.00}. I then paid this 2 days early. It was retuned. When I called them about this, they said " if I can prove that it was the banks fault, they will remove the late fees. '' I then called my bank and was told that the card did not enter my entire card number when they took the payment and that changed the entire account number. Now I am not able to place an order using my card. I just called the card again because I have no balance. I called them again today to ask why I am not able to make a purchase on my credit card. I was told it had to be 15days, XXXX XXXX, before I could use my card again. I asked the rep where it said that, he repeatedly said it was not on my statement. I again asked where does it state that I have to wait 15days. He could not tell me. I then asked to speak to a supervisor. When she came on I asked her why I could not use my card with a zero balance. She then said I have to wait until XX/XX/XXXX before I can use my card. I do not understand why the different days. She could not explain. I then asked why I was charged a fee of {$2.00} when I paid the balance in full 2 days before it was due. The only thing she could say was I paid the bill on XX/XX/2022 which is after the due date. The due date was XX/XX/2022. I paid it on XX/XX/2022 and they still charged me fees. They returned the rest of the fees and interest. Why not that? I was told I could not I could not charge anything until the {$35.00} was paid. That was paid on XX/XX/2022. On XX/XX/2022, I tried to place an order and was denied the ability to place it. No explanation as to why. I have a {$0.00} balance and am still not able to place an order. They must not want people to use their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am very upset on how the school and lender lured me into applying for personal loans vs applying for another type of aid. I was told since I had perfect credit I needed to apply for personal loans and that is how I was going to be able to attend school. This has affected me deeply since I am not able to work out a flexible repayment plan and has affected my credit tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of XXXX XXXX. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

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 2022-04-15
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:
Victim of Identity Theft due to vehicle larceny FTC # XXXX. 

Please be advised I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

I've provided ample evidence the negative information found in my file is incorrect due fraud. Each time I dispute these files are Re-aged with the XXXX reset to the current month. The worse part is the furnishers themselves constantly misspell my name, so how may one depend on a fair review if the details are incorrect from the companies entrusted to furnish. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts deleted immediately XXXX XXXXXXXX, Acct # XXXX XXXX XXXX XXXX XXXX, Acct # XXXX, ( duplicate account discovered XX/XX/XXXX ) XXXX provided a signature of an electric check mark as proof ) XXXX XXXX XXXX # XXXX Account Balance ( actual amount XX/XX/XXXX {$260.00} and closed paid in full {$530.00} XX/XX/XXXX

Company response to consumer: Closed with explanation