BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-04-08
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX hired Financial Asset Management Systems to collect on a student loan. Financial Asset Management Systems ( FAMS ) continues to miscount the amount of payments that I have made. I have been paying FAMS for over 2 years, {$250.00} per month. They have repeatedly misapplied my payments or not applied all of my payments. They are flagrantly violating the Fair Debt Collections Practices Act, with their repeated misrepresentations of how much money I have paid them. FAMS is engaging in deceptive debt collection practices. In addition, FAMS and XXXX have illegally added excessive interest and fees to the account. Every time I have asked for an accurate account of the fees and interest, both FAMS and XXXX become evasive.

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 2023-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is reporting a bankruptcy on my credit report that 's has been discharged Equifax reported to me they verified the bankruptcy which they did not they used XXXX which also did not verify I have enclosed a letter from the courts They Do Not Verify Bankruptcy therefore Equifax violated the Fair Credit Act by providing false information I want this deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I sent a mobile payment of {$1000.00} via email to my Aunt using my Bank of America account and it was routed to a closed XXXX account. After reaching out to both Bank of America and XXXX to get the matter rectified Bank of America informed me that XXXX would not be returning my money. When my aunt called XXXX to get the information they tell her that they can not go into the account because it is closed, Yet when I called XXXX they ask for my aunts information to look into the 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 2023-02-06
Company: Kentucky Higher Education Assistance Authority
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Kentucky Higher Education Student Loan Corporation. 

Signed the loan expecting deferred payment. Turns out that it was not deferred, and company lied to my mother ( she cosigned ) and I multiple times about payments.We called multiple times and were told that our payments were deferred until after my graduation in XXXX. We were told it was deferred Then, we suddenly get contacted and told we owe payments by XX/XX/XXXX. After numerous attempts to contact the company, we were put on hold for days with an advisor named XXXX. She steamrolled us, not allowing any questions, and then changed the loan into a deferred payment, upping the interest rate to 6 %. This means the {$400.00} payment is now {$590.00}. I did not sign for the {$590.00} payment, or a non deferred loan. What company provides immediate payment student loans? How am I supposed to repay {$590.00} payments a month as a XXXX XXXX XXXX? This is a morally unjust practice, and XXXX implied that this happened to multiple other students. 

XXXX said it is due to their system not processing loans as deferred. Why am I being forced to hike my interest because their system failed? That is a breach of our student loan borrowing agreement and needs to be rectified. I am not even able to access loan documents, being even more shady. 

Why are we, as full time students, getting screwed over by incompetent lenders? My paperwork specifically mentioned the deferment until after graduation. This means they breached a federally binding contract, and should be investigated. Their website is also very shallow and does not offer assistance at all, even seeming predatory. 

I am making this complaint on behalf of myself and every other loan borrower from XXXX, and I urge the CFPB to look into this predatory company. Incompetence seems to XXXX  from every XXXX  of this organization, and it is not fair that hard working student loan borrowers like myself get punished for their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Continental Finance Company, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In 2013 I open a card with Continental Finance for a XXXX XXXX card. I defaulted on the card and it was eventually closed with comments on my credit report of " Profit And Loss Write-off '' The account was never assigned to an agency for collection efforts nor was it purchased by a debt buyer. Based on the comments on my report indicating it had been written off, it is my concern that the company is still reporting a balance of {$650.00}. In an effort to make good on the account I have contacted the company on multiple occasions in an attempt to settle the account and or set up a payment plan. Everytime I have spoken with someone I have been advised that the account was " closed '' and that they would need to have the account " reactivated '' in order for them to assist in providing me with a settlement offer and or payment arrangement. When I asked them why and what the balance is the response I get is that on their end the account is closed and there is no balance which is why they need to reactivate it. If this is true then why are they reporting a balance on my credit? Just this week I was able to get clarification that the account was in " limbo '' and with the " client services '' department who are in charge of deciding what to do with the account. I asked to speak with them and was transferred to a phone line that rang 20+ times before hanging up. I have disputed this via the credit bureaus and they have done nothing and I have made every effort to try and rectify with the company directly. At this point this account is causing me stress and could potentially prevent me from qualifying for the rate I want to refinance my home. Based on my lenders credit simulator this account could potentially raise my score 24 points if it were updated to the correct {$0.00} balance since it was already " written off ''

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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Unauthorized Inquiries 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 2023-03-03
Company: EQUIFAX, 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:
The credit bureau never did a proper investigation according to the FCRA. 

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. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions UNDER WHAT WOULD BE FAIR Delete Accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Colony Brands, Inc.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
HOMEATFIVE : I have never requested a line of credit with this company. I started receiving the catalog which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Chase Private Client customer for approximately 6yrs. I have taken great pride in my relationship with Chase. Approximately 6 most ago when I opened my business account, based on anticipated revenues, I was escalated to Chase Private Banking. During the account opening process I was screened no less than 3 times as to the anticipated use of this account and the source from which funds would be received. This is where the apparent issue germinated. I associated this account with my Attorney 's Chase Bank XXXX XXXX account - in that it was expected that 90+ % of all my inbound funds to this account would come from that trust account. 

My attorney notified me on XX/XX/XXXX that his bank office had called him to inform him that Chase would be closing his trust account. No reason given. The next day I was contacted by my Private bank officer and notified that due to no fault on my part, but rather " guilt by association '' my accounts, BOTH personal and business would be closed and Chase 's relationship with me terminated permanently. 

I have 5 family members with joint chase accounts with me ( at the recommendation of chase private client bank officers ) to allow them to take advantage of that product. Now for no reason given, ALL personal accounts with my name on them are to be closed by XX/XX/XXXX and the business account by XX/XX/XXXX. A side note of insult is that I've emptied all those accounts, but Chase is now posting service fee monthly of {$95.00} to the business account ... which I will NOT pay. 

This behavior is unconscionable. There is no customer more willing to be compliant or transparent. Yet without warning, and in fact, WITHOUT CAUSE of any kind - I am being summarily dismissed with ZERO recourse or accountability by the bank because their " fine print '' states that they may close any account at any time for any reason. I have a saying I've used in business with executives often about to take an action that will ultimately hurt them - " just because you CAN do something, doesn't mean that you should ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 These inquiries violate 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Please remove it immediately, i did not consent in written or verbal form to these inquiries

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 2021-06-15
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris & Harries started calling XXXX XXXX until present XX/XX/XXXX. These are the numbers they use : XXXX, XXXX, I have a listing from XXXX XXXX of how many times they have robo called me already. From XXXX XXXX to XX/XX/XXXX. All robo calls that they did. I belong also to XXXX. This company have been blocking them for me. It's every single day almost. Not even a real person. 
Here is the list that I copied : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX Si I didn't get anything in the mail or whatever. Also caller id said something about being Spam? HARRISAND XXXX Yesterday XXXX XXXX This might be because of my wife or my dad. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2023-08-11
Company: EQUIFAX, 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:
Equifax Information Services, LLC is guilty of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX XXXX and XXXX ( XXXX ) XXXX XXXX Card accounts. 

In detail, Equifax has : Included my entire transaction history with XXXX XXXX XXXX  and XXXX ( XXXX ) XXXX XXXX Card on my credit report, such as account numbers, payment dates, loan amounts, balances, etc. This violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) which prohibits including transaction details that are solely between me as the consumer and XXXX XXXXXXXX XXXX and XXXX ( XXXX ) XXXX XXXX  Cards as the furnishers. 
Furnished my consumer report to parties I have not authorized. The FCRA under 15 U.S.C. 1681b ( 2 ) states Equifax can only provide my report with my written instructions. I did not provide such instructions. 
Failed to keep my personal financial information secure and private per 5 U.S.C. 552a. The presence of my transaction history shows lax protocols regarding consumer data protection.

Acted willfully and is therefore liable under 15 U.S.C. 1681n ( a ). The magnitude of transaction data included demonstrates knowing disregard for 1681a ( 2 ) ( A ) ( i ) 's exclusion.

Acted negligently and is therefore liable under 15 U.S.C. 1681o. If Equifax claims it did not knowingly violate the FCRA, then it negligently failed to understand its obligations under 1681a, 1681b, and 552a. 
In summary, Equifax has clearly violated its duties under multiple federal laws and will be held accountable through civil liability. I ask that the CFPB investigate Equifax and take appropriate enforcement action to stop these violations. I will also inform the FTC of Equifax 's illegal activities and violations of Federal Laws. I also request compensation for damages caused by Equifax illegally accessing and furnishing my private data without consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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