BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Alorica Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX XXXX SST, formerly XXXX ; my account # : XXXX Originally, I agreed to a personal ( unsecured ) loan for {$4000.00}, online. I was approved ; ( I need it for an tooth implant ). However, they let me only access {$2000.00} of it and say that I have the rest in a 'savings ' account ( theirs, not mine! ). But I object to having to pay back the interest on the whole {$4000.00}, even though i haven't received it Yet. 

The balance I owe is {$2700.00}. If I understand correctly, When that is paid back I will have access to the {$2000.00}. 
I would like clarification that if I pay back the total ( which goes up each month ) that I will not have to pay any interest on the savings of what is now {$2000.00} ) It's very confusing to me.. 

why would the " savings '' be accruing interest? IT IS NOT A SAVINGS ACCOUT, I NEVER AGREED TO THAT, it's just the balance due of {$2000.00} from the original {$4000.00}. 

The won't tell me the interest rate. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Green & Sons Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCOUNTS ARE STILL ON MY CREDIT REPORT AACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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:
I am a consumer by law. This complaint is not sent in error. I never gave written consent for you to report my private information protected by federal law. I am seeking compensatory damages for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SYNCHRONY FINANCIAL
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had an XXXX XXXX also called Synchrony Car care credit card that I am struggling to make payments to. I am currently unemployed and looking for work. This happened from XXXX to about XX/XX/XXXX where I was on and off work sporadically having to use my XXXX to help pay for my bills.

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 2017-12-19
Company: Navient Solutions, LLC.
State: FL
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:
Navient has placed my student loans under forbearance without my permission. I had been making payments. I actually should not have had to make payments on them because I was in school but Navient seemed unable or unwilling to put my loans under in school deferment regardless of my full time student status. I decided it was easier to just make payments on my loans while in school than try to navigate what feels like an intentionally unhelpful company system. I just logged in today to try and make one of those monthly payments and discovered this new change. I would like to say that I have noticed this before but thought that perhaps I was just misreading the information. Over the past year I have been paying more attention to their actions regarding my loans and am very concerned. I have also attempted MANY times to communicate with this company through their recommended message system. Everytime I have used this method I get an automated response that usually has nothing to with what my actual question or query was about. These automated responses usually discuss solutions to problems that are unhelpful and irrelevant to my situation ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX I asked TransUnion to investigate and verify the accuracy of the incorrect six XXXX XXXX XXXX accounts. TransUnion did not do a proper investigation per the Fair Credit Reporting Act, nor responded to the CFPB complaint request made on XXXX with the complaint number XXXX. I am including multiple screen shots of proof showing TransUnion violating my rights. Delete the six XXXX XXXX XXXX accounts on my TransUnion credit report IMMEDIATELY. It has been 60 days since the initial request was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me several times per day. Sometimes up to 6 times in one day. 
Just yesterday XX/XX/19 I received calls from the following numbers at the following times : XXXX -- -- XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX -- - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Why are these XX/XX/XXXX transaction being charge on my account? I have already called you guys regarding this. and now i'm getting a charge back? what the deal? XXXX XXXX XXXX XXXX and XXXX. This is wrong and nobody deserve to be treated like this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Federal Financial Services Inc
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I only owe XXXX on my car I had for three years now and all of a sudden they keep trynna repo my car over less then a month payment and Ill tell them when Im able to pay but they always telling me what they cant do when Im trynna make payment arrangements, they recently repoed my care but still charged my account then o had to pay almost XXXX bucks to get my car back so when my card false to go thru for a XXXX dollar payment I told them Ill be able to pay it next week if the XXXX but they denied to allow me to pay it and my car note is not due into the XXXX of each month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-08
Company: EQUIFAX, INC.
State: DE
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 provided proper notice and moved out of my apartment at XXXX XXXX at the end of my lease. I cleaned the apartment and took and provided photos of the apartment for my protection. 

The apartment complex ( as many of these management concerns do ) fabricated fees that I owed and sued me for them. The judge dismissed the case " WITHOUT PREJUDICE '' because I provided all of the backup of a proper notice and the pictures of my apartment. 

I disputed this collection with XXXX XXXX XXXX ( which can not be collected by law ) and the bureau left the item on my file. The account number is XXXX and the amount listed is {$1700.00} I have provided a copy of the court decision

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On all my 3 credit reports it show up on charge from SYNCB/WALLMART as a revolving account and the charge keep changing every month up and up.I try to call and find out what is going on and explain that is not personal account or debit they threat on me if i don't pay they will send a Sheriff department to collect debt or reaming home don't move because they are on there way to collect the debt or jail. I can't take it no more,

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 2017-12-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently opened a Chase checking account. I received a fraud alert from Chase about some transactions. I had never used the account at all. I never received my debit card or PIN number from them. Yet, there were 3 fraudulent transactions on my account. Two of them were at ATMs. I called Chase and opened a dispute. They denied my claim after only a few days. I dont think they even researched my claim. The charges are as follows ... 

ATM withdraw {$500.00} on XXXX/XXXX/XXXX ATM withdraw {$500.00} on XXXX/XXXX/XXXX XXXX {$52.00} on XXXX/XXXX/XXXX I DID NOT MAKE THESE CHARGES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: PA
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 went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk ok my money on my family. I left the payments lapse on this account with XXXX XXXX but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it, the account is paid. They consistently tell me that it's not up to them, Equifax has to do this on there own. They don't have much empathy either, just take the money and not willing to help. The XXXX XXXX XXXX has been paid, I would like Equifax to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly. The card is paid!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: Experian Information Solutions Inc.
State: NJ
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:
As of XXXX XXXX  today, all 3 credit bureaus can not accept online disputes. How is that possible? I am starting to think this whole thing is a scam. How can they all be having technical issues at the same time on the same day?

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 2018-08-14
Company: Experian Information Solutions Inc.
State: OK
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 currently have a fraud alert with Experian. I was notified by Experian that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

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 2019-11-08
Company: CITIBANK, N.A.
State: DE
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:
A charge came through on my account from a place I visited on XX/XX/19 for {$260.00}. The issue was that the charge was for {$26.00}. I filled a dispute with Citibank and advised them that this place said they don't have the receipt. 

Citibank advised me they can't help me because I don't have a receipt but yet they made NO attemp to contact the merchant processor to show the true charge. As a consumer I have done everything I can do and I'm not getting anywhere from the merchant NOR Citibank so I'm not sure why I'm being penalized. 

I'm not sure if the merchant falsified the charge when they put it through or not but at this point it needs to be fixed by Citibank.

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 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am attempting to close my Bank of America checking and savings account. According to their website, I can do this in person at a branch, or over the phone. For both, they direct me to make an appointment. When I try to make an appointment, I am told there are no branches in my area that I can go to, and no phone appointments available. However, when I say that I want an appointment to SERVICE an existing an account, rather than close one, I'm given many appointment options. This occurred today, XX/XX/2023.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm anxious and feel afraid that I notice several fraudulent accounts on my credit report. I attached supporting documents to get remove these accounts on my credit report. I don't have knowledge nor consent regards to 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 2023-05-22
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 is missing that should be on the report

Complaint:
As a result of a previous complaint in XX/XX/XXXX ; Experian removed a Credit Account with XXXX XXXX as well as the Inquiry from XXXX XXXX from my credit report and stated on the report that I have no open accounts. The account has been open since XX/XX/XXXX. Also with XXXX XXXX XXXX it is documented in the report of my current address ; " Notice : This address has affiliated with a business address ; commercial address. '' Also they have it documented on the report that I am " unscorable '' so I have no FICO Score.

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 2019-11-08
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX aka XXXX took a deposit of {$160.00} from me but never returned it and then without ever sending me a final bill, put a charge of {$60.00} on my credit report. I have tried over and over to get this resolved with no luck at all. I filed a complaint with the IURC ( Indiana Utility Regulatory Commission ) and got a call from XXXX XXXX XXXX but same story. They sent my deposit refund to XXXX XXXX XXXX who says they sent on a debit card it to the wrong address and the debit was used in another state. ( Ohio ) So " they '' sent " My '' deposit to some other person and now they say tough luck for me. This is insane. I'm XXXX years old and have never been so outraged or experienced such disregard for people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation