BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-04
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:
In accordance with the Fair Credit Reporting act, the following 8 companies : 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 XXXXXXXX Amount : {$730.00} XXXX. XXXX XXXX XXXX. # XXXX Amount : {$670.00} 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

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 2023-08-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX  on XX/XX/19 by XXXX XXXX XXXX has an inquiries on XX/XX/19 in which I did not apply or request any credit from XXXX XXXX XXXX XXXX. There should be no inquiries for a loan.

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 2020-11-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a foreign transaction fee on my Citi Double Cash credit card of {$63.00} on XX/XX/2020 for a successfully disputed transaction. Despite over 5 attempts to get my account credited over phone, chat, the bank simple wont process the fee reversal despite it being approved per multiple agents. As it has been over four months since the fee was charged, I have no choice but to file a formal complaint at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection from this company appeared on my credit report. I received no communication from them and don't even recognize the debt - I had no opportunity to work with them to figure it out before they reported it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: LA
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 sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX  XX/XX/XXXX 5. XXXX XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While trying to obtain a mortgage, I discovered that my credit score had decreased from over 800 to less than 660. Upon further investigation, I was informed that a Discover Card was listed as delinquent on my account. The account, evidently, belonged to my former wife from whom I have been divorced for well over 3 years. She XXXX XXXX in XX/XX/2017. I have requested documentation showing proof I am the responsible party. I have spoken with Discover for several hours over more than 6 separate calls. They have supposedly closed the account and filed a claim that the account is fraudulent. They have not corrected the credit reporting and they are calling me about the collection of the account. I request that the reporting be updated immediately showing no delinquent activity and no responsibility for the account or I request proof that I signed as responsible for the account. This error is costing me thousands of dollars in finance charges because of the negative credit reporting. I have asked to pay the past due balance to help alleviate the issue of the negative reporting on my credit bureau account and Discover has stated on XX/XX/15 at XXXX XXXX via XXXX that I am not allowed to make a payment on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: CO
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:
Wereas, XXXX XXXX XXXX, Ruasch sturm and The appointed Fiduciary XXXX XXXX XXXX received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XX/XX/XXXX, the appointed Fiduciary XXXX XXXX XXXX on or about the XX/XX/XXXX filed a Motion For Defualt judgment and on the XX/XX/XXXX was granted an oreder for judgment. on or about the XX/XX/XXXX i filed a Judicial Notice stating that, XXXX XXXX XXXX, Rausch sturm and the appointed Fiduciary XXXX XXXX XXXX failed to answer the notice of Dispute. 
Whereas, I XXXX XXXX never recieved a letter stating that they recieved the NOTICE OF DISPUTE and if they ever investigated the debt and or the conclusion of the investigations. 
Whereas, XXXX XXXX XXXX, Rausch Strum And the appointed FiduciaryXXXX XXXX XXXX, willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non - economic loss or injury We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS XXXX XXXX XXXX, XXXXausch Sturm And the appointed Fiduciary XXXX XXXX XXXX to pay on damages for non - economic loss or injury

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called XXXX XXXX in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at XXXX XXXX state it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.

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 2018-10-12
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2018 a company called XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon researching about said trust on the SEC site I came across a Cease and decease order against the Trust. I hired an attorney and I am defending myself. 
However last week I was notified by the servicer that there is a new owner of my loan. So while I am being foreclosed by one company my loan supposedly is owned by another company XXXX XXXX. On my phone conversation with the person in charge of said company, XXXX XXXX XXXX, I was threatened with the following : I am going to come after you, your lawyer is a liar, etc. But most importantly, this company is refusing to pay the remaining insurance claim that the insurance company remitted to them already and the roof of my home is being repaired. Servicers cant withhold insurance claims proceedings. Please I need your help. It is urgent.

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 2019-02-25
Company: Navient Solutions, LLC.
State: VA
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 was placed into a ( Navient ) payment plan I believe during XX/XX/XXXX and payments were made of {$130.00} from that point up until today. However, during XX/XX/XXXX i received a phone call stating that the program that i agreed to was not the right one any longer so I had to complete the over the phone process again and agree to terms. I then received a phone call in XX/XX/XXXX stating that the program was not the correct program again and I had to do the entire agreement over the phone again. In XX/XX/XXXX I received another phone call stating that I was not in the correct program although payments were still being automatically taken out of my account. I was apprehensive about these phone calls as it seemed every month i was getting a call stating that it was the wrong program, so I waited to see if another payment was going to be drafted as it in fact was. I believed that since payments were coming out, that I was still in the program and i did not receive anything in writing stating otherwise. I then finally received a letter in the mail in XX/XX/XXXX stating that I was now in default and the balance was due of XXXX. The entire time payments were being made and I agreed to the program they advised me on. I don't think it is fair and practical to call three months  straight saying I was in the wrong program although i agreed to the terms and made payments. I need help getting out of the default status and I believe the burden should be on them as they gave me wrong advice and stated that I was in a program for repayment. Thank you! I plan to call again to try and resolve this, however, they are not being as understanding as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I overpaid the Ally Lending account # XXXX XXXX XXXX XXXX in XXXX of 2022 by {$100.00} and have requested reimbursement numerous times. 
Customer service agents say they mailed the check in XXXX of 2022. I have called them each month since then to follow-up ( 7 times as of XXXX ) as I have not received the check or any checks at all. 
I do receive their paper statements each month in the mail and I have verified my address with them each time I call. 
It has become very frustrating to hear that this bank can't refund or find another way to reimburse me. They say that cancelling and re-issuing a check is the only way. But the check never gets here. I requested a tracking number or proof that they have in fact mailed the checks. But they say they can't provide any other method of payment. I just spent 40 minutes on the phone with them and numerous supervisors ( XXXX, XXXX, XXXX, XXXX ) have juggled me around and they don't come up with a solution to simply refunding me the money with another method or providing me with a tracking number for my check. 
I'm attaching a few statements for your review.

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 2021-02-10
Company: EQUIFAX, 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:
I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were Four accounts that do not belong to me. The account names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my mother since we have the same name. I am and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
In accordance with the Fair Credit Reporting Act XXXXXXXX  Account # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # XXXX U.S. Department of Ed, # 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, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I visited the banking center to negotiate a money order I had purchased. The bank teller was not very polite when servicing me. She looked at my item as if it was foreign currency, when it was simply a money order fro XXXX XXXX. After looking at the item, she looked at me with a haste and treated me as if I was a suspicious customer or something. I felt totally uncomfortable when doing business on this day with Bank of America, and it is not the first time or banking center that has made me to feel very uncomfortable when doing business. I have a goals of purchasing a home in the near future, as well as supporting all of my children 's education with investment accounts to meet their future financial needs. 
I attempted to cash or deposit my money order for the amount of {$500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a Synchrony Jewelry Luxury card in XXXX with a promotion that if I pay in full in 12 months, they would not charge interest. I paid in full within the 12 months and received a bill in XX/XX/XXXX showing an interest charge. I called them and they said they would remove the interest. In XX/XX/XXXX I received a bill with an interest charge and late fee. I called again and they said they would take care of it. I got another bill XX/XX/XXXX and XX/XX/XXXX. Both times I called and they said they would take care of it. Finally in XX/XX/XXXX it showed a zero balance. They then reported to the credit bureaus I was 120 days late with my payment. I called Synchrony on XX/XX/XXXX and explained the situation. The representative said he could see it on my record, it was clearly a mistake and that it would be removed from my report within 30 days. I received a letter dated XX/XX/XXXX from Synchrony stating their records show they are correctly reporting the account with a number to contact them if I had any questions. After being disconnected 3 times, I finally spoke with a Supervisor who told me there is no more to be done. How can they get away with this? The account is closed but they were able to access it by the last 4 of the account XXXX and my phone number 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 2021-11-19
Company: Early Warning Services, LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
So, I just set up an app called Zelle to sell one of my XXXX purses on XXXX XXXX. A person named XXXX, however, I found a different name called XXXX XXXX after she fraudulently took money out of my bank account and it was unauthorized. I accidentally hit the send button instead of request for the money and now MY OWN money went to this scammer. My bank account, XXXX  bank, refuses to refund me the money or reverse the transaction and Zelle filed a dispute and flagged this person as a scammer, but they also refuse to give me my money back. Moral of the story, I want my money back, and I wont stop until I do. I dont get paid enough with a bachelors degree as it is and minimum wage is higher than what I am making. No one is giving me my money back, which is RIGHTFULLY AND EARNED FOR ME, MYSELF, AND I!!! If you guys want to pay all of my bills, please be my guest because I give up with this country, the prices of everything, not being able to live my life because all I do is work to make ends meet as it is, and Im sick of this state matter of fact. I did NOTTTT authorize this person to receive MYYY money. I was supposed to receive it from THE OTHER person. This is 510 % fraud and it was completely 110 % unauthorized. I will be glad to get my lawyer involved if no refund is issued to me for {$150.00}. I am negative in my account anyways and if I have to go even more negative in my account to PAY MY BILLS LIKE AN ADULT or since Im not getting refunded right now, Ill just treat myself finally to new clothes I cant afford because Im too busy paying all these bills for you guys, instead of paying bills as always because I dont get paid enough to care! Anyways, I promise I have no problem calling my lawyer right now. I am so tired of getting messed over by the government and speaking of government, where are my 3 stimulus checks I never got because my DOB does not match the IRS database system?! I want my entire {$150.00} back or I will be talking to my lawyer about XXXX Bank and Zelle the app tonight. Again, IT WAS AN ACCIDENT!!! THAT IS MY MONEY THAT I DID NOT AND NEVERRRRR AUTHORIZED THIS PERSON TO GET AND I WANT IT BACK, ALL OF IT, LIKE NOW. END OF STORY!!! Again, Im tired of this country messing with me, and due to that, I have been planning to move to XXXX. This is absolutely absurd, immature, and obnoxious. REVERSE THE TRANSACTION INSTEAD OF LETTING A SCAMMER TAKE MY MONEY. THANK YOU GOVERNMENT!!!! PLEASE BE A LITTLE CONSIDERATE ( maybe Im asking for too much but Ill get my {$150.00} back even if nothing is done, somehow and someway dont worry, I promise. THANKS!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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:
XX/XX/XXXX 30 DAY VIOLATION COMMITTED I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

A DISPUTE LETTER WAS ISSUED ON XX/XX/XXXX AND TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT, REFER TO ATTACHED LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

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 2019-02-27
Company: Professional Debt Mediation, 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: Old information reappears or never goes away

Complaint:
This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from Professional Debt ( XXXX XXXX XXXX  ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my XXXX report 6 months later. 

I want this removed from my XXXX report immediately

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