BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
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 has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions 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 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 a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2021-03-02
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

LVNV FUNDING LLC  XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX  XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
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 took out a consumer loan with Citizens Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the Citizens loan. When Citizens attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, Citizens did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and Citizens with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

Citizens failed in its legally responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have been in communication with Gateway One Lending regarding this account nothing was ever done payments were recieved. They stopped all communications with me and sold the loan to Santander consumer who have now just listed this account closed however I have over 3 years of lates listed on my credit report from the previous lender when in fact the car was wrongfully repossesed I was never even given the oppurtunity to pay on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, 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. 

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 explanation
Consumer complaint received 2023-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Problem using the XXXX connected to my Chase account. Say that there was a problem in XX/XX/2023 and the ONLY solution is to use a new email address and create a completely new Chase profile. 

I have had no fraud or other issues with my accounts. Have spent hours with high-level customer support and they have said the same things as a solution. BUT will not tell me what the issue is that caused the problem in the first place. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted the following complaint last year. I never show an email that stated that there was a need for my response. 

I submitted an application for XXXX  Loan Forgiveness to Navient in XX/XX/2018. They sent a letter to me stating that because I did not put my social security number on top of each page that the application could not be processed. I resubmitted the application with my social security number on the top of each page of the application in or around XX/XX/2018. I called on XX/XX/XXXX and now they are claiming that they are not in receipt of my application! This is ridiculous! They need to be held accountable and process my application. 

Regarding Navients response, I did send the form to them with the required information on top of each page. What should I do to protect myself from Navients failure to acknowledge the receipt of my form that DID include my social security number on the top of each page?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 



XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank in XXXX has a banker who ambushed me on XXXX on a visit to the bank. He had been setting this situation up for 5 years via himself and the males he hires. He went on a financial hate crime spree in the bank and waited over a week to have paperwork sent to me detailing that Chase didn't want my business even though I did not violate any conduct rules or credit card rules. Chase Bank knows about this and is reviewing the situation to ( hopefully ) keep my bank account open. 

I find this banking behavior reprehensible and definitely want it published. I also hope the banker ( XXXX XXXX XXXX ) loses his ability to manage XXXX within all banking and finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are struggling to keep our home and avoid foreclosure, we have had a series of hardships including 3 natural disasters ( hurricane Matthew, hurricane Irma, hurricane michael ) the only income I have is XXXX social security but Wells Fargo is refusing to recognize the income in violation of the FHA ( fair housing act )

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 2023-06-19
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My X husband set up account in my name and the amount was {$860.00} because the equipment was never returned Apparently he threw it away and I have been making payments on that account for I can get that off my credit report and I also had another account. The account number is XXXX for XXXX XXXX XXXX XXXX XXXX, Virginia and I did a settlement and I paid that off for {$240.00} my confirmation number is XXXX and its still showing not paid on My credit report showing that I still owe $ XXXXwhen it's been paid off already I talk to a XXXX XXXX  representative and they pulled that account up then they try to said I owe {$100.00} which I do not owe because i did a settlement already for {$240.00} so that should be paid off and not showing on my credit report and the collection Bureau told me since Ive been on there so long since XXXX  XXXX  XXXX  pulled that off but yet I still paid the bill and Im  not understanding I opened up a investigation for CFPB to look into this because the amounts constantly keep changing I spoke to another representative today and they said I owe {$620.00} and when I talk to the collections bureau they said I owe {$680.00} and Im not understanding all of this I provided all my information that I have and I open up a identitytheft my reference number is XXXX and I also talked to another person for my dispute for XXXX XXXX and that reference number is XXXX I would like this to be took off of my collections and off my credit report and I provided information and my ex-husband had his information on there at first it was his XXXX and his phone number and I had to update my information. It should be in your records. I have text messages that I provided. And I would like this to be taken care of I have supplied proof under the doctrine of estoppel by silence engelhardt v.gravens ( mo ) 281 sw 715,719 I presume that no proof of the allegations debt, not therefore any such debt in fact therefore exists thanks

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 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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, my wife enrolled in a membership program with XXXX XXXX XXXX XXXX in XXXX, TX ( see enrollment agreement. ) She enrolled using her credit card as an authorized payment option. On XX/XX/XXXX, a one-time charge of {$26.00} for treatment of an injury was used to pay for services with XXXX XXXX XXXX XXXX XXXX 

Starting in the month of XX/XX/XXXX, XXXX XXXX XXXX XXXX arbitrarily started changing my account for their membership fee. My credit card was not presented as an authorized payment option for this enrollment, only for a one-time charge. XXXX XXXX XXXX XXXX XXXX TX has charged my credit card without my permission over nine times ( XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00} ) for a total of {$530.00}. 

I requested Capital One to dispute the charges and refund me those unauthorized payments. The payment where temporarily refunded only to be charged back when XXXX XXXX XXXX XXXX forwards an enrollment agreement. 

The enrollment agreement does not list my credit card as an authorized payment option ( See agreement payment Information for credit card ending in XXXX. ) It was electronically signed without any of my personal information or authorization. 

XXXX XXXX XXXX XXXX in XXXX, TX, provides an XXXX number to cancel, which no one answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Venmo froze my account when I reported unauthorized transactions a few months ago I don't know the exact date they told me I had to prove my identity to unfreeze my account so Friday XX/XX/XXXX I think Friday was the XXXX I finally got my ID I sent in a picture of my ID with a selfie of me holding it like they asked me to and I got an email back saying my account was permanently deactivated and they were keeping my funds for 180 days how do I get punished for somebody hacking their system and stealing my money and they did an investigation and in the investigation they found that there was unauthorized transactions I just want my money out of the account and they can close it I want nothing else to do with that account except for I want my money that belongs to me there's {$600.00} in my account that's a lot of money to just let someone take and not do nothing about I'm being evicted because I told my landlord as soon as I got my ID I would be able to get to the funds to pay my rent I'm 3 months behind he was going to let me pay that {$600.00} and now I have to move because venmo won't give me my money and I don't have the money to move now I'm going to be on the streets because of venmo

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} ; XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX FIN XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.

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 2018-04-10
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:
AboutXX/XX/XXXXlost my ID SSN and other things on the bus I made a report with Police Station. I have been having problems with things on my credit I tried reaching out to the people on my credit I have not seen any changes.

1. XXXX  XX/XX/XXXX I Mailed a dispute because it is not mine. Have not heard from them yet. It is still on my credit 2. XXXX XX/XX/XXXX This is not my account I mailed a dispute and its still on my credit.

XXXX XXXX XXXX  XX/XX/XXXXis not mine I mailed a dispute to let them know I did not do this and its on my credit XXXX XXXX XXXX XXXX for {$310.00} XX/XX/XXXX this is not mine. I mailed a dispute to let them know

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
open acct XX/XX/23 stil didnt get card also they supposed to add brithday gift coming up

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