BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). I have noticed that there are several inquiries on my report that I do not remember authorizing. Given that these inquiries might be fraudulent, I would like them to be removed from my credit report immediately, as allowed by the FCRA. 

The following are the details of the inquiries that I wish to dispute : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and to have it corrected or removed. I do not recall authorizing any of these inquiries, and I believe they may be fraudulent. Therefore, I am requesting that they be removed from my credit report as soon as possible, as allowed by the FCRA.

I understand that the information on my credit report is important for lenders and creditors to evaluate my creditworthiness, but I am confident that the removal of these inquiries will not impact my credit score in any significant way.

Thank you for your attention to this matter. Please let me know if you require any further information or documentation to assist in the removal of these inquiries from my credit report, as allowed by the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: NC
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2023-02-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I contacted Navient a little while ago asking them to not contact any third party through the FDCPA rules about a debt a may or may not owe. They responded and said they do not do that. Today I was informed by a family member that they were contacted by Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act convergent XXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX has Violated my rights. 15 U.S.C 1681 Section 604 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 2023-03-15
Company: Army and Air Force Exchange Service
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Im writing to you because I noticed that my most recent credit report contains a late payment reported in XX/XX/2022 for my Army/Airforce Exchange account XXXX 

I want you to know that I understand and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I was separating from the military and was waiting on my XXXX income to make payments on my account, so at the time I was not working. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for a mortgage, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. 
In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts.

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 2022-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over the past few years my Chase Bank account had been frauded, credit cards issued to others not on account, forgery and forged checks, atm withdrawals taken out. My late husband was joint on all 5 of our accounts. We did not even know this was happening to us and by members of our own family. After my husband passed away last XX/XX/21 My daughter went on the account to make sure everything looked right. She started auditing and we were shocked to see hundreds of thousands of dollars gone. Forged signatures on checks of myself and my husband and a lot of wire transfers in huge amounts. Left me with hardly anything and my entire chase accounts compromised. My daughter helped me and it took her about 6 months to get it all prepared properly and to complete her audit and the executive office claims they lost her hard work of our proof and truth. Chase bank allowed all of this to happen and did not let myself or my late husband know. Chase bank and my family have done the largest amount of elder abuse, identity theft, and robbery I have ever imagined. Why Chase bank especially at executive office would loose our hardwork reports and allow such fraudulent behaviors and not pay us back a penny is completely unacceptable and disheartening. Someone even used my late husbands debit card after he was killed and also moved {$6000.00} in another wire transfer! Chase has not done a thing to help us not a thing. To me they are criminals just like the ex family members that were in our bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been trying to get transunion to update my report for over a year now. The only accurate information they have for me is my current job. None of my open account and they have accounts in collections I've disputed multiple times as I've never used the original creditors service. I have requested credit reports and access to the actual website but my requests go unanswered. I have never had an account with XXXX XXXX XXXX XXXX  yet they won't provide proof of this being my debt. I have a car loan with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX NY XXXX Opened XX/XX/2021 starting balance {$10000.00} current balance is $ 7810 monthly payments of {$420.00} 34 month term. Have other accounts as well

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 2022-10-14
Company: Experian Information Solutions Inc.
State: IA
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 have contacted Experian numerous times about XXXX listing inaccurate items on my credit report as well as my husband 's... they said they fixed the problem, but XXXX  added them back in ..plus more! I have proof of all the accounts as paid in full- never late- closed. Experian representative on XX/XX/XXXX ( which I had to call 6 times ) assured me the XXXX accounts would be updated as pain in full, never late!

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 2019-11-19
Company: CITIBANK, N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX the company " Citi Financial '' sent me around XXXX dollars and XXXX was taken out my account unexpectedly I was later directed me to obtain an XXXX  card from XX/XX/XXXX for XXXX dollars and was instructed to send them the information, After that I was no longer able to access my online banking, I've been calling the number XXXX ( XXXX ) XXXX and have been speaking to multiple people who all sound the same, I asked for their address and was given the wrong address and profanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NV
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello 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 1681XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX I have my XXXX XXXX I paid them ( XXXX ) XXXX XXXX XXXX XXXX  account XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also stays 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. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a 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 2017-08-07
Company: SYNCHRONY FINANCIAL
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
received mail from Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX mail stated I had applied for a credit card, which is false. This is either a fraudulent application in my name, or a scam by the bank to get me to give them information. The phone number for return calls in the letter is XXXX. It is not possible to speak to a human at that number. The letter does not ask whether I did in fact apply for a credit card. The letter does not provide any route for having the cc application flagged as fraudulent. This is unacceptable.

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 2021-06-09
Company: JPMORGAN CHASE & CO.
State: CO
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:
I booked an XXXX stay for XXXX XXXX in XXXX, XXXX. The host lied about the services being provided at the XXXX. 
Specifically : 1 ) breakfast was listed as provided, and it was not. 
2 ) food essentials were listed as provided, and they were not.

3 ) the pool was supposed to be cleaned by professionals twice a week, and it was never cleaned during our 8-night stay.

4 ) housekeeping was supposed to change bathroom towels every other day, and they never did so. 
It is clear that the service was not accurately described, and we did not receive the service as agreed when making the reservation. 
The XXXX host provided defensive answers when we reached out to notify them of the issues ( e.g., " there is a washer in the unit, you can was the towels yourselves '' ). 
The merchant refused to issue a refund as we failed to notify them within 24 hours of our arrival at the property. 
Upon contacting Chase to dispute 25 % of the XXXX charge ( {$540.00} out of {$2100.00} XXXX, they refused to open a dispute as they claim to not be allowed to take money back from XXXX after a stay is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a student I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local police department, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: SANTANDER HOLDINGS USA, 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:
Chrysler capital auto loan shows as derogatory on my credit report and I dont know anything about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
BSI financial services starting servicing my mortgage XX/XX/XXXX. My interest rate is PRIME - 1 %. They raised my interest rate on my loan ( outside of my initial HELOC disclosures requirements ) by 0.625 % on my HELOC. I just found out they did this after asking why my account / payment was raised to this interest rate & payment. I have never been late 30 days or more nor have I missed a payment date. When I called a while back & inquired, they could not answer why this was the case. Today, they stated it was because I did not escrow. No where in the multiple servicing history ( XXXX servicers ) where the servicers allowed to raise & /or adjustment my interest rate without disclosure. I would am filing a formal compliant to document this predatory lender philosophy. Also, I tried to set up my new account adjustments in XXXX, XXXX via their website. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a XXXX credit card back in XXXX with balance of {$10000.00}. At that time I was going through financial difficulties loosing my properties, and employment. I was making minimum payments and called XXXX to negotiate to reduce my minimum payments until I could get back on my feet and able to pay more. Instead of that XXXX closed my card and increased my minimum payment and the burden was too great. I stop paying the card. Last payment I made on XX/XX/XXXX, and the credit report says debt " charged off ''. A few months later I got notice from Midland Funding LLC that I owed them about {$12000.00}. According to credit report It was placed for collection on XX/XX/XXXX and was removed in XXXX. I did not received from court or Midland Funding any court proceeding after lawsuit was filed in XXXX. Didn't receive notice of hearing or copy of judgment or any copy of default judgment from court or Midland at all. Also I never received notice of motion to renew judgment or copy of renewed judgment from court or Midland Funding. I live at same address and would not miss any court notice and hearing. I did check credit report every year and it was no public record or any judgment. XX/XX/XXXX I received notice of wage garnishment from XXXX, XXXX for {$22000.00} that took effect on XX/XX/XXXX 25 % of my wages and it is causing great hardship on my family and finances. I believe it is time-barred debt XXXX more than 10 years ) that I was sued for without my knowledge. I received no copies from court or Midland of said judgment.

Company response to consumer: Closed with explanation