BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 non-monetary relief
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE AND HAVE FAILED TO PROVE HOW ITEMS WHERE VERIFIED.

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 2022-03-15
Company: EQUIFAX, INC.
State: MA
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:
Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX  XXXX XXXX is reporting the account [ account # : XXXX ] with an inaccurate date last paid. Delete this account Because XXXX is reporting the date last paid as XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. Delete for violation of section 623

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 2023-06-28
Company: Experian Information Solutions Inc.
State: DE
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:
on XX/XX/2023 I notice an account from XXXX XXXX on my credit report for the amount of {$6200.00} that I did not apply for

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 2020-03-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Macy 's card financed through DSNB and lack of Home loan account on my report was one of the reasons cited for decline. It's seems that this is a discriminatory practice as lack of home loan does not signify credit worthiness or ability to pay.

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 2020-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 went through a brief financial hardship last year and sought counsel from a debt consolidation company. This resulted in my longest open and largest credit card being closed with significant impact to my credit score. I paid the card off and was informed by capital one that the account could not be reactivated. I was not properly counseled by XXXX XXXX of the complete impact of their services. I did not want the average age of credit on my credit report to go from nearly 5 years to 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX which was done on XX/XX/2021 according to the XXXX app and XXXX XXXX  XXXX which was done on XX/XX/2021 according to the XXXX app 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 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 reporting 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
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: AL
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:
In 2015, I went through the proper steps to prove the identity of theft. However, almost 5 years later, Experian is reporting the WRONG NAMES on my report even after I provided the police reports, copies of social security card, birth certificate, and id so how is it that they have the WRONG NAMES on my file and won't correct? Below are the wrong names : XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX Name ID Number and XXXX Report Number. 

XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. XXXX Name ID Number and XXXX Report Number. 

These two names are not my name. Nor do I have a middle initial so it concerns me that this reporting agency is reporting information from identity theft.

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 2019-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my paychecks garnished. Paid in full. They are trying to garnish my wages again and take my taxes too. It has been paid for a year, not to mention it is a different amount than I had originally owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have an approved IDR application for my student loans as of XX/XX/XXXX when my income decreased. Payment prior to XX/XX/XXXX and the COVID Forbearance was {$370.00} at a higher income than the updated application. The approved application resulted in a {$0.00} payment due to the forbearance, but as I am not required to recertify until XX/XX/XXXX, this is still the validapplication for my PAYE repayment plan starting with the end of the COVID Forbearance XX/XX/XXXX. My billed amount is $ XXXX though MOHELA has confirmed they have the XX/XX/XXXX approved IDR application and pay stubs to prove income on file. They do not have any updated income informationto calculate a payment that would result in almost double what it was prior to the COVID Forbearance. 
I have asked countless times for what information they are using to calculate my loan payment and was told over and over that they do not have that information.According to the Department of Education, they should be calculating my payment using the approved IDR application, and since it is an income-based repayment, there is a specific formula for PAYEto do so. Every loan servicer I have had in the last10 years has been able to provide this informationto me upon request. I have spent almost 6 hours on the phone with them and have spoken to multiple people to get this resolved. I just want my bill calculated correctly. They kept asking me to apply for differentrepayment plans, which I do not want.Finally a supervisor confirmed on XX/XX/XXXX that they have the approved application and income amount from XX/XX/XXXX and said they submitteda request to recalculate my payment amount using the approved XXXX XXXX request. I have not heard from them and the incorrectly billed amount is due today. I just paid the amount since I do not want any negative repercussions to my loanforgiveness plan or credit from not paying. I want my payment to be calculated correctly, and for any amount I've paid that is over the correct fee to be refunded. In addition, I did not receive a billing statement until XX/XX/XXXX, for a due date of XX/XX/XXXX, which goes against the federal requirement to send at least 21 days prior to the bill due date. The statement is backdated to XX/XX/XXXX, which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Rent Recovery Solutions
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:
Almost all of the agencies that have reported my credit have been marketing my information to obtain another payment after payments have been made. Multiple accounts have been closed also causing incorrect credit reporting and attempts to sell my information outside of the fair credit reporting act. Some of them do not report positive reflection after being paid off completely and closed they resell information to XXXX party companies with my personal information and use it to report negative reports instead of positive after payments have been made. Please contact me directly with a email or call to discuss all information regarding this issue. Thank you for all assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a XXXX time payment of {$3200.00}. Doing research I found this is a violation OF the XXXX. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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 called Experian and XXXX after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to Experian and XXXX on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that this account will be corrected. 


XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally admits to the forgery as XXXX says, I went in to the dealership and signed these papers on the XXXX of XXXX with electronic signatures. 
XXXX admits that ally forged my signature because I was not involved with any transactions on XX/XX/XXXX at the dealership.

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 2023-10-08
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I spoke with Mohela on XX/XX/XXXX because they fraudulently had my loans in Borrow Defense forbearance ( never requested by myself and requested SEVERAL times to have removed ). I am working toward Public Service Loan Forgiveness and have 14 payments left to qualify as long as I continue XXXX at my current location. When I spoke to Mohela on the XXXX I was told my loans would go into repayment on XX/XX/XXXX and I could make my payment ( which I did ). My loans did not go into repayment as they should have an now my account says the forbearance is there until XX/XX/28. This not what we agreed to. So I made a payment of {$210.00} which does not count toward the PSLF credit. I did not get credit for the month of XXXX toward PSLF even though my Employment verification form was in their hands and they gave credit for XXXX and XXXX ( NOT XXXX ) and I made a payment. I can not wait on hold for 3 hours again because I am a XXXX  so calling them back again is not an option. They do not respond to their messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Waiting on pslf application to be processed with Mohela. Submitted on XX/XX/23

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The options did not allow me to properly check off things. Also you sent me an acknowledgement last week but I was not able to verify things. 

Fortunately, I received a letter from Chase Bank about my original complaint XXXX that was forwarded to Chase. 

I replied back to them about the falseness of the letter to both me and you, and want you to know about it, being they probably send false statements to others. 

As you can see in the letter to both of us, highlighted in the forth paragraph is a false statement where they said that only the charge care was closed and then reopened. 

That is a lie. As I told them, and as the branch manager of the bank knows, that the savings accounts and checking accounts were closed.!!! and that I was told that a check for all the funds were to be mailed out to me with 14 days causing me to go to a different bank and open checking and savings accounts there so to make sure I would be able to receive my direct deposits of XXXX. and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation