BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Kindly correct or delete the following inaccurate items in my credit file. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX , CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$1200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I think my bank is charging to many overdraft fees. This needs to stop. It puts you in a hole you can't get out of. They won't wave any of my fees. This is us bank

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 2018-07-11
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 Inquires on my credit report that i did not authorize and experian and XXXX  refuse to respond or adhere to the laws mandated

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 2018-04-18
Company: EMG ACQUISITION GROUP, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
This company would not remove my ACH authorization even though I contacted them a week in advance. They first removed my debit card saying " your debit card will not be charged '' but left my bank account information in place. I called back and was told " the manager has to send an email to her manager '' because they can't do it in the local store. I followed up with an email asking for confirmation it was completed and was ignored. I contacted the corporate office and also got the runaround and a couple different answers. I also requested my employer wage deduction be cancelled as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We received a notice from XXXX, XXXX XXXX XXXX, XXXX threatening to sue me for falsified debt with inflated and falsified interests, penalties and late fees on a debt they titled as Synchrony Bank without identifying the exact creditor XXXX whom the falsified and inflated erroneous debt is relating to. I also assigned this to my legal attorney whom they refused to contact after their office made several attempts to reach someone in the XXXX, XXXX and XXXX, XXXX firm. No one returned our lawyers call and this firm is attempting to damage our credit and collect on falsified information. Also, Synchrony Bank has retailiated against me because I raised a dispute with XX/XX/XXXX and XX/XX/XXXX  Credit Bureaus and shortly after I disputed the debt ; they immediately filed a law suit against me in XXXX County Magistrate Court which is also a form of discrimination because I am a XXXX XXXX XXXX   female who is also a U.S. Veteran. This firm also made false accusations stating that I am not a U.S. Veteran by reaching out to SCRA in an attempt to collect excessive monies not owed. Also, I previously notified Synchrony Bank of our status in XX/XX/XXXX regarding our daughter who was hospitalized for 34 Days including XX/XX/XXXX for a XXXX XXXX condition which was a XXXX  experience for my daughter which left my husband and I very emotionally distraught. I have made several attempts to be relived from this falsified claim and have a lawyer assigned to this case and am requesting that all communications that XXXX, XXXX, XXXX XXXX XXXX claim they have and any attempt to serve be communicated with my law firm whom they have ignored. The law firm they need to reach out to regarding this matter is 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 2023-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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:
In accordance to 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. 

Account name : 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 US Dept of Education Account name : XXXX XXXX XXXX name : Dept of EdXXXX XXXX 15 U.S.C 1681 section 602 A. States U 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 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 2020-04-14
Company: LoanCare, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/20 I received an notification from my credit bureaus that my credit score had dropped 25 points due to my mortgage loan account being reported as closed. I had just recently refinanced my mortgage loan with Loan Care LLC and after receiving funds from the new loan service provider they without notification closed the account, thus causing my credit score to decrease. I contacted the company on XX/XX/20 to rectify the problem and was told they could not fixed the issue because all loans that are paid in full are reported as an closed 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 2019-01-15
Company: Experian Information Solutions Inc.
State: SC
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:
So XXXX XXXX and Experian is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks

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 2019-01-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My Citi Credit Card Account ending in XXXX was apparently shut down for suspicious activity on XX/XX/XXXX. Being a victim of Fraud before, typically you get a new account number when there are fraud charges but this time they closed my account and I do not have access to the account. I was not notified about the fraud nor did I authorize the permanent closure of the account. I do not have any access to Funds on this account but the account is enrolled in autopay which pays the account every month. I have tried to call several times over the past 4 months to get this resolved and the last representative advised me I needed to reapply for a new account. I just want to understand why I was not notified that my account was being closed and why am I being asked to apply for new account when funds are being withdrawn for my banking account to pay for an account I can not use. The only explanation I received was that I had Fraud on my account, so because I had suspected fraud my whole account is closed with notification?

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 2022-12-06
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX in XXXX of 2022 I reached out to Experian to remove inaccurate information on my consumer report. Instead of my consumer report being processed in accordance with federal law Experian elected to follow whatever procedure they have come up within their own institution, which is the reason I have had my information compromised as a consumer in their data breaches willful negligence and disregard of the law.

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 2023-04-02
Company: EQUIFAX, INC.
State: MO
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 the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting!

Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a credit card with Venmo which is backed by Synchrony Bank, of course, I put all my correct personal information in the application form, and everything worked perfectly until XXXX day I find myself checking my info in the Venmo app, I notice that my email, and phone number, and address had been changed, I decided to call the customer service department and also observed that the automated system did not recognize the last XXXX digits of my social security number, clearly this information had also been changed, When I finally get to speak to a representative they takes my complaint and tells me that I am going to receive a correspondence requesting some documents, indeed several letters have arrived and I have sent the same information many times, the same forms, I have signed everything I had to sign so that they do their checks and my problem has never been resolved ( on XXXX occasion they told me that they had not received the documentation, which makes me think that they do not have control of their correspondence ), I have talked to many customer service representatives and nobody has answers, honestly, I don't know what to do and although they closed my credit card I have never stopped paying on time. 

Before this situation with this bank, it had also happened to me that credit cards had been requested or issued in my name that I had not processed and I realized this by letters that arrived at my address, which I also reported. 

This company has committed several cases of abuse with my personal information and for proof of this, I am going to attach information from another situation I had with them.

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 2023-02-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XXXX XXXX 2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a XXXX name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this 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 2020-06-04
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 received a letter from the data furnished stating my social that was given to them shows no record of having an account and experian is in violation next is filing a law suit because they reporting a false account 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 explanation
Consumer complaint received 2023-02-24
Company: Community Health Investment Company, LLC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PROFESSIONAL ACCOUNT SERVICES, INC ATTN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : N/A Debt Collectors Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$380.00} Dear PROFESSIONAL ACCOUNT SERVICES, INC : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) ( Audit Trail ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2019-10-28
Company: AES/PHEAA
State: GA
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 took out a private student loan with XXXX XXXX XXXX in XXXX of XXXX. As an XXXX-year-old unemployed XXXX  XXXX, they approved me for a private student loan of {$16000.00} with no collateral or co-signer. 

Since I've out of school in XXXX, I've been paying on this loan. I've been through a bankruptcy, I contacted the servicer to see what my options were for lowering my monthly payments or perhaps getting some portion of the balance forgiven. The representative for the servicer was very nice, but she said unfortunately they offer NO repayment options or forgiveness options. I have no one else to contact besides the servicer. XXXX  XXXX XXXX went bankrupt in XXXX. They were able to rid themselves of all their bad debts. I wasn't able to do the same with this loan through my own bankruptcy. 

By the time this loan is paid off in XXXX of XXXX, I will have repayed roughly {$42000.00}. Nearly three times the original balance of the loan.

Company response to consumer: Closed with non-monetary relief