BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
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:
The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant XXXX, XXXX, or Experian the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

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 2017-07-06
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
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 balance transfer

Complaint:
I have a Voice credit card through Huntington Bank, they mailed balance transfer checks to my address on file With a promotion of 0 % interest for 12 months. I used this for this first time on XX/XX/XXXX for $ XXXX- Huntington did honor it but it seemed to cause concern because since I have continually received calls from fraud prevention during my working hours to verify transactions. Huntington has been informed I am unable to take or make personal calls while at work. Therefore to set the record straight and make sure there is complete clarity and transparency, I want to inform Huntington bank that I have viewed all my transactions up to XX/XX/XXXX including the following pending transactions ; -XX/XX/XXXX. XXXX - XX/XX/XXXX Balance transfer for {$1800.00} These are all authorized transaction. Did I make myself clear enough..? Let me reiterate ; All transactions currently or pending as of XX/XX/XXXX are authorized by me. If Huntington is reckless enough to deny that balance transfer, it will cause be harm and it would be a violation of our contract. A reminder that this is a contract of Adhesion, meaning I have had no say to the terms, Huntington created these terms therefore If Huntington violates those said terms I could and likely would claim an Anticipatory Repudiation of the contract. <P/>Further, I have informed Huntington Bank that it has always been my policy for all correspondence to be done in a way that both sides has a written or recorded record to insure accuracy and since Huntington refuses to provide me with a copy of recording. I insisted all communication can be done via any written method ; Email, USPS, even Huntington 's own internal Chat system or message platform. However and somewhat incredibly Huntington seems to refuse to allow me with any documented record of any correspondence. From past experiences only entities with something to hide or knowingly violate agreements take that stance. XXXX XXXX is a great example ... <P/>With that said, I find it very strange and an admission of guilt that Huntington bank is again providing a written document of correspondence. If Huntington Bank has any further questions they have my email address if they want to do this via Phone then we can set up a conference call with my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: NJ
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:
It has now been over 30 days since Equifax received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: SYNCHRONY FINANCIAL
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paid twice for the same item. Synchrony bank found one tracking number and cancelled the claim saying it was delivered. Two charges one item tracking number ... Doesn't answer phone, call back on  messages, respond to XXXX  claim nor do they respond to fax.

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 2017-07-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It 's tried to apply countless times for a income driven payment plan but never am given that option after being told I am eligible, instead it only allows me to do a forbearance or a deferment. And I am recieving endless calls a day from the loan company or forgiveness programs asking for personal information over the phone.. saying my loans are in a income driven plan but it 's not reflecting that on the website

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CITIBANK, N.A.
State: NC
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 received a statement with an annual fee for a credit card I attempted to convert to another credit card product on X/X/17 with citi via phone. I was under the impression this was underway and was actively taking place. I received yet another bill in XX/XX/XXXX ( for the same aforementioned credit card I attempted to convert in XX/XX/XXXX ) and called citi yet again on XX/XX/XXXX. I spoke with a front line csr who said I had already attempted this, but my account was n't able to be converted due to it being past due. I was frustrated that it was past due, as I requested the product change before the payment due date listed on the previous bill. I spoke with a supervisor this time named XXXX who said I received word I would have to pay the previous annual fee prior to the product conversion. I was confused as to how he could possibily know this as he was n't the person who handled my request in XX/XX/XXXX, and did not have time to review any associated phone recordings prior to speaking to me. This dismissive practice of the customer always being wrong has got to stop. I am being punished due to citi being inept with their speed of product conversion despite my asking for it prior to the payment being due. I paid the " minimum payment '' per XXXX on the phone as to avoid any negative credit reporting by city, but feel this payment was made under duress as I had no alternative.

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 2022-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove the negativity immediately. 
XXXX XXXX PL XXXX XXXX, NY XXXX. 
XXXX XXXX XXXX XXXX XXXX, NY 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 2020-02-24
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
On XX/XX/2020, I received an unsolicited U.S. Bank ReliaCard debit visa card from the Colorado Department of Labor. The paperwork indicated I had applied for unemployment compensation. I have never lived in Colorado, and I have not filed for unemployment compensation in the State of Florida where I live. I am XXXX/retired, and have been for years. I tried contacting the company by the telephone number provided, but they want me to activate the card before talking to someone. I do not want to activate the 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 non-monetary relief
Consumer complaint received 2021-06-13
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We all need help sometimes. Let Conn 's work with you. Call XXXX to make payment arrangements of {$24.00}. This is the end result. XX/XX/2019 I called conns to get a payoff for my account they gave me a amount of {$1000.00} so I mailed a check to conns. Original amount was {$3600.00} for the purchase of some appliances I paid off XXXX which paid over by {$10.00}. So one year later Im looking on my credit report and saw {$94.00} still owed so I called conns they told me I owe for a filling fee and I told them no I dont when I called for a payoff it was a done deal and this account was interest free for 36 months. So now its up to {$1500.00} and growing. I filled a dispute with the credit bureau ( XXXX  ) and the account was removed from my credit report. But now Im getting phone calls from conns collection department telling me I should have read my contact and getting nasty. I paid my account off early and this is what you get. Do I need a Lawyer?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have already addressed and no changes. This will now be the third time and I need some help. TransUnion has inaccurate data listed on my credit file. They have two names that do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX There are also several inaccurate accounts listed. I want this addressed, and the inaccurate data removed. ALL of it

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 2017-09-28
Company: EQUIFAX, INC.
State: WV
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:
I filed a dispute with Equifax for multiple hard credit inquiries listed on my credit report that should have been counted as one that I authorized when purchasing an automobile. The dealership shopped around for the loan but did not tell me they would be doing this. XXXX and XXXX counted only XXXX inquiry but Equifax counted all XXXX separately that were made on the same day. Also several inquiries should have been removed after two years. Consequently these inquiries have adversely effected my Equifax Credit score. 
Also, my credit history on Equifax is shorter on this most recent report than the one dated in 2015 which showed two older accounts that would have significantly lengthen my credit history, Since credit history accounts for 10 % to 15 % of my credit score this too has had an adverse effect. I request help from CFPB is resolving these issues with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$5700.00} / XX/XX/2022 XXXX XXXX XXXX/ {$18000.00} / XX/XX/2022

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 2022-02-02
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased the {$500.00} vanilla Visa gift card.The card was stolen in XX/XX/2021 and never used before it was stolen. XX/XX/2021 I try to use this card and find out card balances was stolen. Contact Vanilla for dispute and they told me wait 90days.today they told me : Please see attached. Unfortunately we do not have recovery rights through visa. Per cardholder agreement we can only fund what we can recover. And we were unable to recover any funds through visa. 

Thats unacceptable. Hope you guys can help me. 
Thank you XX/XX/2021 XXXX XXXX XXXX transactions total each amount {$4.00} XX/XX/2021 XXXX XXXX 3 transactions total each amount {$4.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: ENCORE CAPITAL GROUP INC.
State: OK
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 was part of the Midland Credit Management TCPA Class Action Lawsuit Settlement. Midland is not following through with the ruling as to removing negative information and still reporting negative and inaccurate information. Midland Is continues reporting a recent balance of {$360.00} on the account XXXX on my XXXX and XXXX reports showing a date opened of XXXX 2013 also would not show proof or validation of the alleged debt and numerous harassing phone calls with that and also another alleged Acct. XXXX in the alleged amount of {$870.00} which this account would also fall under the TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last year, during the end of XXXX XXXX, I was scammed for an apartment sublet. The individual sent a check which PNC deposited into my account as spendable money by the next day. The individual did overpay me, and thus asked for a small amount back. I sent this through XXXX XXXX as a money order. Roughly six or seven days after the check was deposited, it bounced due to being a fake check. This overdrew my account. I worked with PNC to deposit money in order to get the account back to XXXX. During this time, I also filed a PA State Police report on the individual who sent the fake check, as well as reporting and receiving case numbers from both XXXX XXXX and the Federal Trade Commission. The account was set to XXXX and then closed. 

On XXXX/XXXX/XXXX, I attempted to open an account at a XXXX XXXX XXXX. However, after running my XXXX report, they declined me due to PNC closing my personal checking account under the category " Suspected Fraud Activity. '' PNC also claims in the report that " Any amounts owed have been paid. '' After finding out this information, I called PNC, and was redirected to multiple apartments, which then informed me that I owe for the XXXX XXXX transaction for XXXX that was made after my account was closed. This was due to them revoking a provisional credit given to me after I was scammed for that money. 

Not only does PNC claim I owe them money, while also attempting to " settle '' the amount, no one is able to provide a clear reason as to why the account was closed under that category and if the closure reason would be removed after I paid this " debt '' they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am the consumer, XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. XXXX XXXX did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. XXXX XXXX also, reported the amount I owe to a third parties without my consent to Transunion, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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