BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
this company is putting information onto my consumer report without my written consent which is a violation of my consumer rights. I have sent them mail and called them over and over again to try and get this resolved. In the letter i have attached it shows the accounts and inquiries, also giving them instructions on what i am demanding them to do with the accounts. These three companies have a job to do and that to make sure everything is supposed to be reporting fairly and accurately, according to the FCRA. Reporting negative information that I didn't give consent on is not reporting accurately or fairly.

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 2017-06-27
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have numerously told   XXXX   XXXX     XXXX   XXXX   that I have consolidated years ago and yet my parents who are not co signers, get repeated calls up to  4 per day. I also received 3-4 calls per day, they are extremely rude on the phone v erbally abusive, insulting me to guilt me into payment when no such payment is even due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative accounts.I sent out request to the original contractors asking for proof and all I received was a bill. XXXX does nothing to assist in this matter and continue to report on my credit please assist in these

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 -XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX XXXX XXXX XXXX ) - XX/XX/2022 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several accounts were opened without my knowledge or consent. I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
This complaint is in regards to XXXX XXXX XXXX acct # XXXX I've disputed this account with Experian, XXXX XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. USAA SVG BK 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 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 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with your company.The line of credit I have with your company, is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : XXXX XXXX XXXX, your company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The cfpb closed my compliant without anything being done which is strange because I just submitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: VA
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:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by someone and the transaction took place through zelle. The transaction occurred on XX/XX/22 and was for {$150.00}. I reached out to zelle and reported the incident on XX/XX/22, and have not heard back from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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 mishandled my personal data and allowed my data to be distributed in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
3 checks were deposited into my checking account- not credit card account. 1. XX/XX/XXXX for {$6500.00}. Chase Bank released the funds the funds in a couple of days to have it bounce back 26 days later due to a " bad routing number ''. 2. Checks deposited on XX/XX/XXXX for {$5000.00} and {$3200.00}. Chase Bank held those checks for 12 business days and released the funds. Those two came back 28 and 29 days later stating " fictitious accounts ''. ALL 3 checks were written from the exact same account from XXXX XXXX. FDIC closed XXXX XXXX XX/XX/2010. Chase states I owe them and I have to take out a loan to pay for immediately for face consequences. I have filed police reports locally and with the FBI and found the person responsible. I have contacted Chase corporate several times in this matter and I'm treated like a felon, not a victim. I have left messages and no one returns my calls. I have a case number and phone of the Detective on my case ( which is a felony ) and chase won't return my calls. This same individual who wrote the bad checks also stole my debit card and I have asked for updates on that as well. Still no response. Why would a bank clear not 1 but 3 checks on a debit account to wait a month later to have them returned? One would think in this age of computers that a system as sophisticated as Chase Banking would be aware of a bad routing number in minutes of a check being deposited, not weeks later. Per Chase 's request, I went into my local branch, closed the fraudulent account and opened a new account. Chase has now frozen both accounts and failed to let me know why. Isn't that against policy when a financial institution closes a good account without letting that person know? As a customer, I relied upon the professionalism and safety of my banking institution to protect myself from issues like this. I believe Chase is at fault for not having protocols in place to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: RI
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:
I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX Account XXXX : XXXX Date Reported XX/XX/XXXX I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX and can provide documentation to support this.

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX to confirm the validity of the reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was reprocessed on XX/XX/XXXX and I contacted 5 Third Bank on XX/XX/XXXX. I never received a phone call or an inquiry as to any past due balance on my account. I contacted 5 Third Bank and I was told that I had missed a payment in XX/XX/XXXX which was over two years ago. I have made consistent payments of XXXX dollars for the last 6 years on my account online from my XXXX XXXX account online and have made consistent payments that posted on the same day of the month. Not only have I made additional payments of the loan, I called and spoke representative to inquiry about my balance and they always stated that they send me my payment history rather then going over my account over the phone in regards to the payments made. I requested several times to speak with executive relations department about my balance and account and I constantly get transferred or disconnected. I had an issue in XX/XX/XXXXof an illegal reprocession and I was never contacted that I missed any payment on my account. The bank claimed that there was a ceased and assist on my account and I requested the recording of such requests since I never requested no contact on my account. I was also told when there was a reprocession on the account that there was no updated telephone number on the account. I gave them my contacted telephone number and I have never missed any consecutive payments other than there was one partial payment in XX/XX/XXXX and I have made XXXX monthly payments for six years. I was given incorrect information and the bank refused to go over my account. Not only was my car reprocessed the second time, I was not given any paperwork from the agent when I obtained my car and I was told that I will receive a notice within 10 days. I spoke to a representative on XX/XX/XXXX and I was told that there was XXXX balance due and I made a payment for XXXX dollars to retain my car and I was that it was payments from XXXX-XX/XX/XXXX. I made a XXXX. payment on XX/XX/XXXX and I being charged for late fee, repo fees and additional fees by third party company and I being denied complete records of my account and constantly getting nasty rude and unprofessional customer service representative who given incorrect information and payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my XXXX checking account was fraudulently debited by a customer of TJX Rewards/Synchrony Bank for a total of {$2700.00}. I did not authorize these debits nor have I ever authorized any debits from this company. As soon as realized that this had happened, at the end of XX/XX/XXXX I contacted XXXX  and informed them of this fraud. They informed me that all of these charges originated with one individual by the name of XXXX XXXX and provided me with the receipts. After doing their investigation by XX/XX/XXXX they agreed to refund {$1700.00} of these charges but claimed that they are not able to refund the remaining {$990.00}. I asked for a signed affidavit from them but they claimed that they do not issue affidavits for checking account fraud, only for credit card fraud. 

I recently contacted TJ Max about this ( they claimed that they had no fraud dept. of their own ), so they connected me with Synchrony Bank where I spoke with XXXX in the fraud department. After providing him with the background he claimed that he was unable to help and that in order to even inquire about this he would need the approval of the individual who holds this account with them - i.e. the VERY PERSON who fraudulently debited my account using their credit card in an illegal and fraudulent manner!! I let him know how preposterous this was as this left me and any victim of fraud with no recourse whatsoever! I assured him that I would be pursuing this case in any manner I could in order to collect the money that Synchrony Bank enabled their customer to steal from me.

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 2018-06-04
Company: Capstone Credit & Collection, LLC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capstone Credit is reporting illegally to the credit bureaus in an attempt to collect on a fraudulent debt. They are not licensed to collect on a MA state resident. They were informed of their illegal activities via certified mail XX/XX/XXXX via 93A Demand, again in XX/XX/XXXX and again XX/XX/XXXX They have refused to provide validation of their claim and continued to report and attempt to collect in violation of state law : Massachusetts General Laws, Part 1, Administration of the Government, Title XV Regulation of Trade, Chapter 94, Section 24A : ( a ) No person shall directly or indirectly engage in the commonwealth in the business of a debt collector, or engage in the commonwealth in soliciting the right to collect or receive payment for another of an account, bill or other indebtedness, or advertise for or solicit in print the right to collect or receive payment for another of an account, bill or other indebtedness, without first obtaining from the commissioner a license to carry on the business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX i purchase Make Money program i thought it was great deal.Transaction went through both Paypal/Clickbank my instution DECLINE Transaction # {$17.00} and last 4-digits # XXXX and Transaction # XXXX was {$4.00} + {$0.00} tax = {$5.00} last 4-digits # XXXX But XXXX XXXX he set me up in XXXX XXXX  Ceo XXXX XXXX XXXX gave me Link for XXXX .So since XXXX XXXX Decline i went to XXXX purchase gift Card for {$50.00} went back in purchase Transaction # XXXX {$29.00} + Tax {$2.00} = {$32.00} from Visa last 4-digits # XXXX and Cash Juice link i Paid Upgrade for many different items was Bundle Deal XXXX {$4.00} + {$0.00} tax = {$5.00} and XXXX XXXX Suppose gave me XXXX Free Points i only got XXXX. i only used on XX/XX/XXXX between 8900- 9100, and Next Day they was completly all gone .Tried contacting XXXX XXXX No Luck , XXXX Ad Bar owner XXXX XXXX No infomation.They gave me Link for my website : XXXX_MakeXXXX but as i research it goes to redirect link opens different window.That same Day XXXX ran Decline payment from XX/XX/XXXX for XX/XX/XXXX {$4.00} Unauthoriza went through XXXX. and XXXX on XX/XX/XXXX {$5.00} Unauthorize went out of our account XX/XX/XXXX Then XXXX put {$5.00} back in out account, But on XX/XX/XXXX XXXX Unauthorize took {$5.00} out. Unauthorize.Paypal refuse me again to OPEN up Dispute i try today and yesterday they suppose to protect me but dont there thefts too.XXXX had No reason to debit my account, and my Credit card infomation supposed Not be on file.I never agreed for the to keeep on file only paypal.Transaction unauthorize..I want Refund for fraudulent transaction fees and i still keep my cashjuice account open, But XXXX XXXX said i make {$1000.00}. aweek not made anything .So i made couple day ago ftc.org complaint on everyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: AES/PHEAA
State: CA
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 applied for a new student loan repayment plan in XX/XX/2018 after losing eligibility for the Public Service Loan Forgiveness program ( I no longer work for a qualifying employer ). My federally-subsidized loans are serviced by XXXX. XXXX denied my application erroneously : they said I needed to make a payment on the standard plan to show it was unaffordable, but I had already made two payments on the standard plan. The XXXX agents with whom I have spoken about seven times in the past three months have told me that my application is still pending. In the meantime, I am delinquent on my regular loan payment of XXXX XXXX/month. It should not take this long for XXXX to process my application for a new payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wrong amount is n't accurate, but closest choice above. They have refreshed an old debt that I stopped paying on XXXX. They have refreshed it to XXXX. I have disputed with all XXXX credit reporting agencies and re-disputed with XXXX and XXXX. They keep saying the debt collector confirms the last date of activity. XXXX also told me they do not require proof from debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to repay my student loan with Navient. However, they accused me off missing a payment, and had me start the whole process over. And when I was not working from XXXX - XXXX, they harassed me constantly, and would not offer or approve a hardship deferment. Navient does not care about students and uses loan shark tatics.

Company response to consumer: Closed with explanation