BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: GA
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:
On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been more than 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I'm not having trouble making my loan payment but was forced to pick a description. 
Actual problem is that 5/3 Bank is harassing me at work to make a loan payment that is not even late. I was called onXX/XX/XXXX at work ( on the business line, not my cell ) to be told that I owe over a XXXX dollars on my auto loan. After pressing her for better details I found out that I actual owe XXXX by the XXXX of XXXX. I wasn't even late, the XXXX was including next months payment. When I said I would pay on the XXXX she insisted that I tell her how much I was going to pay. I try to pay extra but there at work I had no idea how much extra I would pay. She said because I wouldn't comment to an amount that they would continue to call my work every other day until the payment was made. I am not late paying my bills, I usually pay extra before the due date. This was nothing but harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered into a contract with Rise with an interest rate over 100 %. About a month or two after the first payment, the XXXX of California passed a law that was codified as CA Fin Code 22750 that states no person has any right to collect or receive any principal, charged or recompense in connection with the transaction. ( rates in excess of 36 % ) I have tried to resolve this with the company but have had no success. In an attempt to collect their debt they are citing an amount of interest and principal that violates this law on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: VA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: NAVY FEDERAL CREDIT UNION
State: SD
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, 271 transactions went through on my credit card totaling {$12000.00} from XXXX XXXX and I was not notified by the Navy Federal Credit Union fraud alert system for suspicious activity.

I contacted the bank for a refund of all of the charges and a reason why this was not detected by their fraud alert system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: ALLY FINANCIAL INC.
State: DC
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:
Ally Financial has repeatedly reported my auto loan as late although I have made the payments on time. What I have not paid - and repeatedly asked Ally to waive - are about {$1500.00} in late charges. Ally is reportedly me late - unbeknowst to me - because if these late charges and not because of late payments. My account has been paid on time for the past 24 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
. There should be no balance, past due, or monthly payment on an account that is no longer owed by the original company. This account was transfer/sold. 

I have researched and see that this is some sort of rental contract and I have requested the company, Online Collections, send me the signed contact of the account they are illegally collecting on. Each rep Ive spoken to have told me theyd send it out. They never provide it when I dispute it with experian. Instead, they just verify it. At this point, after reading the horrendous reviews that my peers have had with them, I understand why I had to come to the CFPB for assistance. 

This is ridiculous and should be classified as ILLEGAL. Please assist!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days

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 2020-07-23
Company: Applied Data Finance, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
due to the current pandemic, i am unable to work. in XXXX california, where i reside, all non essential entities have been ordered to close or severely curtail their services etc. i am an XXXX XXXX and i am XXXX XXXX XXXX. because of my heightened risk for exposure to covid 19, i am following all social distancing protocols which further preclude me from carrying passengers in my vehicle. 

i have a 10,000 high interest loan from personify financial. i have reached to the company to discuss ways by which a viable and equitable payment arrangement can be worked out. because this is a very high interest loan, at 98 % annually, i requested that the interest on this loan be suspended or waived for the time that the pandemic is a health and safety issue. they have refused to assist in any way. meanwhile the interest is accruing daily and increasing the total outstanding amount. these loans are not designed to be paid off according to the amortization period of the loan which in this case comes to over {$33000.00} over three years on a {$10000.00} loan!!! my sincere intention when taking out this loan last year was to pay it off in a relatively short amount of time. but due to covid 19 those plans are no longer viable. 

in addition, this loan product was recently made illegal in the state of california by the legislature. this type of loan can no longer be offered to consumers in the state of california due to the exorbitant rate of interest. consumers such as me who happened to take out this loan before the legislative action are now stuck/in limbo in attempting to abide by the unfair and unconscionable rate of interest that the company is charging. 

PLEASE HELP ME!!!!!!!!!!!!!!!! I HOPE YOU CAN REACH OUT TO PERSONIFY FINANCIAL AND OFFER SOME REMEDY TO MY DILEMMA. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Experian Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX Experian XXXX  XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/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 2023-04-18
Company: Experian Information Solutions 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 have submitted a account paid in full letter and emails to and from XXXX XXXX XXXX  where there was an issue with the company that still wanted additional fees- this issue was resolved in 2017 and now for some odd reason its showing as a negative on my credit report. And nothing has been resolved. Please help thank you i have worked very hard on my credit.

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 2020-07-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8700.00}, {$4100.00}, {$9300.00}, {$4100.00}, {$0.00}, {$380.00}, {$3900.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

XXXX. BANK XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

-- XXXX ACCOUNT 6. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my 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 2023-04-11
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  date assigned XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account numbers TransunionXXXX XXXX XXXX XXXX XXXX XXXX assigned XX/XX/XXXX {$880.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX original balance {$660.00} current balance {$700.00} Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$8900.00} account no. XXXX XXXX XXXX {$1000.00} n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of 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 2019-07-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank calls all day from XXXX until XXXX at night. This has gone on since XX/XX/2018 to present day. I usually take the phone off the hook to rest or sleep.

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 2021-02-17
Company: OneMain Finance Corporation
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company demanded payment on a loan, that I gave no authorization too, in writing, by verbal consent or in person. I was not aware of such loan. I did not apply for loan online or in person. 
I have not gave consent for such loan or applied for the loan. I tried to communicate with company about this debt, however results were unsuccessful in my disputes. The company demanded payment from me, and fully aware that I did not apply for such loan in person or online. 
Company on these dates took out the following amount. 
XXXX {$180.00} XXXX {$180.00} XXXX {$300.00} XXXX {$300.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2022-09-15
Company: NAVY FEDERAL CREDIT UNION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
My Visa XXXX  Card Account Ending in # XXXX, was compromised and used without my permission on XX/XX/2022 for the total amount of {$21000.00} at the XXXX XXXX XXXX, in XXXX, NJ. NFCU was advised that I did not authorize purchase. At that time, my card was blocked, and I was told by NFCU that they would be doing a complete investigation, which would include obtaining video footage, signature and/or receipt from merchant, recording of call that was made to NFCU. To only be told at the conclusion of the investigation, that they do not accept video, nor did they contact the merchant. I called NFCU yesterday XX/XX/2022, and spoke with Supervisor XXXX XXXX XXXX XXXX ) who advised me that the investigation has not started. Nor has it been assigned to anyone. I asked for proof of this text message that they sent to me, and it has not been done. I contacted my phone carrier to receive a copy of all calls and/or text messages, but my phone carrier advised me that prepaid phones do not keep records of such data. So the burden lies on me to fight with a bank. Why they would send a text, as oppose to calling me, as they have always done in the past. What was so different about this purchase? Also, they replied back to the previous complaint I entered last month, saying that they were working on it, and per NFCU, supervisor ( XXXX ) on XX/XX/2022, they have not started working on it, which means they are lying about doing the investigation. I am also insulted by the language used in the letter of the denial, basically saying they made their decision by my transaction history, which clearly shows that my wife and I pay our bills, so what is NFCU saying? Also, to accuse me of having some sort of relationship with the vendor is mind-blowing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation