BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: SYNCHRONY FINANCIAL
State: GA
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:
Fraudulent inquiry dated XXXX. I asked the inquirer ( JC Penny ) and the credit bureau ( XXXX ) to remove this fraudulent inquiry. Both parties have disregarded the law.

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 2023-04-02
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me, also a couple inquiries. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 


-XXXX-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX/-XX/XX/XXXX -XXXX-XXXX XXXX-XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX -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 explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: CA
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XXXX I file a dispute with TransUnion requesting that a Bankruptcy case # XXXX that was showing on my credit report, On XXXX XXXX I received a letter from trans union XXXX XXXX the bankruptcy was verified as accurate I contact the United States bankruptcy court. and went in person and the clerk gave a letter stating that the court does not report any information to the credit bureaus, and they do not verify or validated any information. TransUnion XXXX XXXX are in violation of 15 U.S.C 1681 ( I ) A for failing to conduct a proper investigation. please see Exhibits & Documents.

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 2023-09-18
Company: EdFinancial Services
State: GA
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:
I want to change my repayment plan. The only way to do so is to talk to someone on the phone or chat with an agent. I have attempted to chat with an agent many times, and every time the system is down. Every time I try to call the wait time is over 8 hours. I really need to change my repayment plan and can not because of these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2018-11-14
Company: Paypal Holdings, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Someone produced fraudulent documentation to scam PayPal. There was no sale, or service transaction. It was a personal loan through a website called XXXX. This person loaned me funds for a small personal loan. I repaid them using my PayPal account. After they were repaid they filed a claim stating they weren't sent a product I sold them. I've never sold anything to anyone on line ever. I've tried to file a police report for fraud, but PayPal will not cooperate with the information the detective needs. This is a criminal matter, because it involves fraud. I've fought back, and forth with PayPal since XXXX. Two weeks ago I spoke to a representative on a recorded line who assured me this time my account would reflect a XXXX balance owed. Still nothing has been done. I've emailed numerous times, called, and sent the proof through my PayPal transaction history this person was repaid. I'm sorry PayPal got scammed, but I'm not accountable. They insist I owe them almost {$1500.00}. One charge for {$1000.00}, and the other is for {$500.00}. I keep calling/sending emails, and at this point I'm very disappointed in how they've handled this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
During Covid-19 this XXXX of 2020, and even before the pandemic I opened an account in order to purchase a home for me and my family. While doing so, I had utilized some spam I had in my account and decided to utilize a Hotel membership I had never been interested in utilizing. I have paid the Company in amount ( s )  not exceeding {$15000.00} while traveling, seeking, advocating just fair housing rights and public rights administration

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 2022-11-22
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaints against First National Bank of Omaha is one account the other is a card service that they manage for XXXX XXXX XXXX. I'm not receiving any card statements in the mail in order for me to know all essential information about the account so I can make timely substantial payments. They claim they are not required to send out such statements by mail or via email. I believe this was not in the terms of the contract for card services. They want their fees no exception. I have a credit score of XXXX and I am a successful Sole Proprietor who uses the credit card for business. I believe I am getting stolen from in the form of wire fraud and anything else you can think of

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 2019-06-22
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I tried calling my bank and pleading with them. I let them know that i loss my job and the fees that they are piling up it might cause me to be unable to pay my rent. 
After pleading they said that there was nothing they could do. 
But i know they can help. I'm asking right now if you can assist me please with asking them to return those overdraft fees that they keep placing everyday into my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: World Acceptance Corporation
State: SC
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: Investigation took more than 30 days

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXXXXXX - Certified letter request was sent to remove all late payments, no response was made back in over XXXX XXXX XXXX XXXX  Account number XXXX - requested removal of this account as I have no knowledge of it, and I didn't sign an agreement with this debt collector WORLD FINANCE CORPORATION Account number XXXX Account XXXX its reporting inaccurately to the credit bureaus, one is showing paid in a settlement and the other is showing transferred and closed, this account should remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentially 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  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.

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 the 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 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 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6500.00} ; DEPT OF ED/XXXX XXXXXXXX XXXX : {$3400.00} ;

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 2023-08-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-18
Company: FIRST PORTFOLIO SERVICING INC
State: GA
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:
This Person ( XXXX XXXX XXXX XXXX /Total Visa ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XX/XX/2023-XX/XX/2023 furnished to my consumer report I did not give written permission to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
They still haven't gave me all my money back and they told me they was gon na give it back and I said that it was the the claim was pay in a resolve but I never got

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 2021-02-04
Company: Santander Consumer USA Holdings Inc.
State: CA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to XXXX XXXX I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. 
I paid {$1900.00} on XX/XX/XXXX. 
I never used the XXXX XXXX credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on XXXX XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid 650s when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL 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 2023-04-02
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: Reporting company used your report improperly

Complaint:
I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # 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 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 2023-09-18
Company: EdFinancial Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying for several weeks to get in touch with Ed Financial regarding my loan ( which first payment is due XX/XX/23 ) I have sent them messages and have also called with a wait time of 360 minutes several times. I entered my phone number to keep my place in line and have someone call me back and I only received one call back and when I answered they hung up. I have done this multiple times and have never received a call back since. I have some questions as I was supposed to have a grace period of 6 months after my son graduated ( graduated in XXXX ) which should make my first payment due in XXXX not XXXX. I have completed an application for direct consolidation of my loans. I have not hear anything back on my application. 

While typing this I just received a call from Ed Financial at XXXX XXXX I answered the call and said hello and nobody said anything and then I was disconnected. 

I have read several reviews with the same complaints from people stating they have not received any calls back from Ed Financial. 

I have questions as I am new to the student loan process and the lack of communication with Ed Financial is discomforting. 

Something needs to be done in order for people to obtain the answers they are looking for. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-09-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account is paid off in full but that has not been reported to the credit reporting agencies. All 3 of them show a large balance remaining. It has been over a month since it was paid off. Nelnet said it was reported but it wasn't since all 3 credit bureaus show the same balance and that it was last updated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: VA
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:
I have XXXX late payments from chase on my credit card that I received during the XXXX pandemic XXXX years ago. I havent been late since and chase has given me new additional cards because they trust me. I need to have these late payments removed because I was deathly ill in the hospital at the time fighting for my life. Thank you for your time.

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