BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-04-26
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
Contacted NFCU on XX/XX/XXXX because the initial check was rejected and to issue a new vehicle loan check. I was advise to request the dealer to mail the old check back and for me to come back into the branch to sign a new check. Upon waiting for the old check to arrive the dealer passed away and NFCU never received the check back and I'm not on the hook for a vehicle that I don't possess. I reached back out to NFCU to resolve this account and provide any details to move forward with this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the circumstances of me moving out of this apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the property manager at the time agreed that there would be no consequences for breaking the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
CreditNinja is an appropriate title for this company being that they will sneak their way into your wallet and ninja your money right out from under you. I took a {$300.00} loan at a {$75.00} premium and it was deposited into my account on Tuesday, XX/XX/XXXX. Not only did I think I agreed to a 3 month term, they disguised it ( sneaky as ninjas are and all ) and it is really a payday loan and due in full on XX/XX/XXXX. I attempted to call today, XX/XX/XXXX and pay down {$100.00}. They will not take any payments, only an extension of the loan by paying down the premium on top of which they will charge you another. HOW US THIS NOT REGULATED. How can a lender not accept an attempt by a debtor to pay them back, AND AHEAD OF SCHEDULE. This is fraudulent. Period. Thank you " official '' regulatory body for failing the US people as I sit in XXXX degree weather in XXXX Texas with no power because our " officials '' failed us there too. Good job, greed from every direction from the top down.

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 2016-02-29
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been battling with portfolio recovery and Foster, Garbus & Garbus for over a year regarding a debt that is not mine. I continue receiving letters from Foster, Garbus XXXX Garbus regarding same debt although I 've submitted documents to Foster, Garbus & Garbus proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.

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 2023-04-26
Company: Patrick K Willis Company Inc
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This notice is a Cease and Desist! American Recovery Services unlawfully obtained my nonpublic personal information from XXXX XXXX XXXXXXXX without my consent. American Recovery Services then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of XXXX  XXXX XXXX. XXXX XXXX XXXX does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. Being that this debt was recently purchased, there is no prior course of dealing pursuant to the XXXX XXXX XXXX. XXXX. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. Account Name and Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX I received a promotional offer by mail from American Express for a Gold Delta Skymiles card. The promotion offered 60,000 bonus miles and was to end by XX/XX/XXXX.  The flyer I received was directed to me personally, as it contained my name and my Delta Skymiles number. Given that I was a frequent flyer on Delta, I responded to the offer and received my card in XX/XX/XXXX. 
The requirement to earn the bonus miles was to spend {$1000.00} within the first 90 days. I had done that by the end of XX/XX/XXXX. I have my XXXX statements that confirm this. By late XX/XX/XXXX, when I had not received my bonus miles I called XXXX  customer service. They assured me I would be credited with the miles, but it would take 6-8 weeks. I called again in mid-XX/XX/XXXX, well past the 6-8 week estimate and was again assured that I would get my bonus miles, but there was a problem between XXXX and Delta getting the data entered. I called In XX/XX/XXXX and got, essentially the same message. I was told at that time that a number of people were having the same problem with this promotion. 
In late XX/XX/XXXX, I called Delta and they connected me with XXXX   customer service. I was told that their records showed no promotion associated with my account, but they saw a note that detailed an inquiry they had made to marketing or some back office group in XX/XX/XXXX. The XXXX customer service rep said there was no record of any reply to that inquiry. He also said that all he could do would be to put in another inquiry. In XX/XX/XXXX, I sent a letter to XXXX  headquarters in XXXX XXXX, TX with most of this information, to include a copy of the promotional mailing I had received. I've had no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a secured Discover card. I have made payments online since I first got the card. I have never had a payment returned by the bank. My payments are always good. I made a payment on XX/XX/XXXX of {XXXX}. I called because my payment hasn't been applied to my card. The XXXX reps I have spoken with gave a ridiculous answer that said Discover could hold my payment for XXXX days for no good reason, just because they feel like it. How nice. I made a timely payment as always and they can just hold my money for however long they feel like it. This shouldn't be allowed. I can see if I had bounced payments before but I have good standing with the card. If they are doing this to me, they are doing this to a lot of other unsuspecting cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
Equifax In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 accounts XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( XXXX ) : XXXX & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3200.00} Open balance XXXX XXXX XXXX XXXX Original creditor has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting 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:
Correct name and address that should be reported. Remove all names and old addresses from credit report. One name a d one address should be reported. Enclosed be find a copy from secretary of state with Correct name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I'm giving you XXXX more chance to handle my request regarding the identity theft event. If I don't follow through on this, I'll be forced to take legal action in court and hold you accountable for the harm you have done to my credit, reputation, and emotional distress as a result of this. It's very likely that the real material facts will come to light and you'll be made to pay for your carelessness. 

I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I went to a concert event in XXXX on XX/XX/XXXX. When I paid for parking, the following Tuesday I noticed 2 payments posted to my account for the same amount. I called to dispute one transaction. 2 weeks later, I received a call saying that they need a receipt. The original parking place never gave me a receipt. I called my bank to advise them and they told me that they will not move forward without a receipt. After asking for a manager, the bank representative hung the phone up in my face. I called back and after a 30 mins hold I finally got a manager. The manager was not helpful at all. He basically wanted me to call the company again, even though I had no success the first time, and try to obtain a receipt. He refused to stay on the line, or even 3-way the merchant. Also, I don't understand if I was charged twice why a receipt would change anything. They advised me that they will not review my case until a receipt is provided. Even the manager at this point was trying to get me off the phone as he pushed me back to the merchant. Finally I opened a 2nd case as one transaction was done in XXXX florida and the other transaction was done in XXXX Florida. I have no idea what the XXXX transaction is as I was in XXXX during the timeframe and live in XXXX florida. Fifth Third needs to do a better job with assisting consumers with fraudulent transactions and not rush them off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: IN
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:
Account for XXXX XXXX is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on Experian and XXXX. It is beyond its statute of limitations to be reporting.

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 2018-11-20
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX   XXXX for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2016-04-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase calls me 15 to 20 times a day. They use different numbers. Sometimes they use a local number. My phone blocks them all but they still get through to my voice mail. They just wo n't stop even though I have demanded they do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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'm reaching out for a follow-up to emphasize that I'll be updating my credit reports within the next 15 days. This complaint is sent with the expectation that you will take necessary actions to remove the listed items from my credit reports. Attached to this complaint are my identity theft reports XXXX XXXXXXXX and XXXX XXXXXXXX for your reference. Kindly review the items below for removal : 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 EQUIFAXXXXX XXXX XXXX XXXX  EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX 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 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 EQUIFAX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation