BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: IL
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear XXXX : I am writing to you to request that you remove the following unauthorized account from my credit report : Creditor : IQ DATA INTERNATIONAL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX FL ) Account Number : XXXX Amount : {$3200.00} Attached is a copy of the FTC Report I submitted for these fraudulent accounts. I have also sent this report directly to the creditor disputing their reporting. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 

Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/1991 Birth City : XXXX, Tennessee I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-08-30
Company: Spring Oaks Capital, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that Spring Oaks Capital has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Spring Oaks Capital, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX ACCOUNT # XXXX # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions

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 2022-08-30
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-30
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My due date is the XXXX of each month. On the XXXX, funds are auto-drafted from my checking account. I would like to make payments earlier ( 1-3 weeks earlier each month ) when I have the money available. I would rather make my payment on the loan where I am being charged interest than to have the money sitting in my account earning 0 % interest. Lending Club refuses to allow me to make payments before the due date. They would like to earn extra interest by forcing me to not make payments early. They told me that if I made a payment today ( 3 weeks early ), they would take out a full payment again on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX Account Number : XXXX 6. Account Number : XXXX XXXX XXXXXXXX, XXXX Account Number : XXXX 7. Account Name : XXXX XXXX Account Number : XXXX 8. Account Number : XXXX XXXXXXXX Account Number : XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 in the evening at approximately XXXX ( after the branch had already closed ), I drove up in my XXXX XXXX ( LIC Plate XXXX ) to the Drive-through ATM at Chase Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I used my phone to access my account ( XXXX XXXX not my debit card ), entered my pin, and requested to withdraw {$800.00}. The ATM had a weird malfunction, no money was dispersed, and took me back to the first screen as if to start the transaction again from the beginning. No receipt or money was dispersed. My phone alerted me that {$800.00} had been withdrawn from my account. Without even moving from my spot, I immediately called Chase customer service to alert them of this problem. I stayed there for about 20 minutes and the woman I spoke with told me to leave because there was nothing more I can do, and let the cars behind me go. She informed me that a temporary credit will be added to my account until this is investigated. I left, and two days later after calling Chase again, the money was credited to my account again. On XX/XX/XXXX, I noticed that they reversed the credit that was given me. I immediately called Chase again, where I was all but accused of stealing. They told me they " investigated '' and there was no problem with the machine and it is now my problem. I asked to speak with the supervisor and for them to simply look at the ATM Camera footage, and again they were of no help and told me to call the police to subpoena the ATM camera footage. I went to the Branch and spoke with the Branch manager ( XXXX ) and she told me they will try to look into it but there's nothing that they can do. She mentioned that she noticed that my account said I also withdrew {$1000.00} that same day, which would be impossible because the limit is {$1000.00} a day. In actuality, I withdrew {$1000.00} the next day but there is an error on my account stating I also withdrew it on the XXXX. 

I went to police services and they told me to go back to the bank and a police officer will meet me there to take my statement and file a report. When the officer arrived, he stated that since this isnt a crime, he cant do anything and that this is a matter between me and Chase. He came into the branch with me and explained this to the branch manager. She then proceeded to file a report asking the claims department to take another look at our claim and to check the footage. For some reason, no one had looked at the camera footage this entire time, which would immediately exonerate me and show that I did not take any money out of the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Credit Karma claims they can not " see '' my driver 's license. I have sent my driver 's license to them multiple times, for years. Still, they can not " see '' it. They claim the personal identity documents that I submit to them are unreadable, and therefore, they can not begin the process of verifying my identity. Credit Karma claims they can not verify my identity. No matter how many museum-quality documents I submit, Credit Karma claims that these personal identity documents are unreadable, so that they can not verify my identity with my driver 's license, passport landing page, social security card, monthly bank statements, voter registration, monthly mobile phone statements, car registration card, car insurance card, and more. I am born-in-the-USA, fluent in XXXX, and have a XXXX degree. With my overflowing XXXX skills and XXXX  skills, Credit Karma is still unable to process my request for a free credit report, claiming they can not verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Jcpenneys approved me for a Jcpenneys Gold Card. My limit was {$500.00}. I paid {$100.00} on my old Jcpenneys card which was the basic red card. The payment was not recorded by the people that was to process my credit card payment. So I was accessed a late fee. I called Jcpenneys after I could not use my Gold Card. and I was told the payment was not recorded. so they decreased my credit limit to under 320.00. all of this happened in less than 20 days.

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 2019-07-18
Company: Oklahoma Student Loan Authority
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took out a payment plan in XXXX of 2017 with the University of XXXX, and paid that off in full at the beginning of this year in order to apply to XXXX XXXX College. I  never took out a federal student loan, and this is saying that I owe {$4000.00} which is almost the exact amount I paid to University of XXXX. I don't understand why I have a federal student loan on my credit report because I never filed one. I don't know what paperwork I need to attach, since again, I did not ever take out a student loan. It's always been payment plans that have been paid off. I do not owe any money to any institution other than XXXX right now, and I refuse to pay XXXX dollars to the feds when I didn't even get to finish my semester due to Hurricane Harvey and lack of transportation and housing. Please let me know what my next steps are. I need this off of my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NY
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 attached a identity report, I did not authorize these 5 inquiries. I am requesting my written instruction and my wet signature giving these companies permission to pull my consumer file. I also have a right to privacy. The following inquiries : 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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 spoke with an agent named XXXX XXXX, in the Fraud Department Special Handling for Transunion Information Services, regarding the account with XXXX  XXXX account # XXXX. XXXX XXXX stated to me that the account was disputed on XXXX XXXX, and Transunion Information Services came back and verified the account on XXXX XXXX. XXXX XXXX also stated that the account has an FTC Statement that was attached to it. The account remains on my credit profile, which is a violation of my consumer rights. TransUnion has violated my rights according to the FCRA 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-01-10
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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2020-01-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
When you shop at Macy 's, they ask you to open a credit card with every purchase. When you get a Macy 's credit card, they send you a ton of marketing material - literally I or 2 pieces a week, sometimes more. We opened a Macy 's card to make a larger purchase, a ring. Soon enough, we saw that with each payment, our available credit was reduced in an equal manner. There is nothing in the terms of the card that it was only for the single purchase. In fact, the marketing of the card, Macy 's XXXX XXXX Account, insisted it could be used anywhere. 

So finally, disappointed, we paid off the balance and told them to close the account. Unfortunately, they reopened the account for some fee they forgot to add on a closing time. Months went by with us throwing out all the tons of Macy 's mail - whey even open it, right? We closed out account. Hundreds of dollars of fees and interest on fees was finally brought to our attention with a collections call. Furiously angry, we paid that bill and said close the account and do not reopen it! They agreed that we were even and owed them nothing more. Then another statement arrived with another fee. Now only {$20.00} we paid that too ; now suspecting Macy 's has a pretty good scheme going here - accounts that can never be closed. Guess how this ends? It doesn't - we just got another statement with a {$2.00} fee. Seriously? 

Please note that Macy 's is not a bank but works with Department Stores National Bank, part of Citibank. - should have known. Banks are not what they used to be and have wasted the public trust they once had. CFPB please make this stop us and what I am sure are many others.

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 2022-08-30
Company: Selene Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX dealing with Selene Finance. For the last 3 months I have tried to resolve falling behind with house payments by calling regularly, I kept a record of phone calls, who I spoke with and what was discussed. I asked for XXXX XXXX to be sent to me and after a month of waiting for it and being lied to that it would be arriving within days I downloaded it myself and started faxing information they requested. Whenever I called to check status I was told I needed just one more document, went through that merry go round for another month. I was told my packet for modification was complete and would have an answer on the XXXX of XXXX, still no response. Called today and XXXX XXXX at Selene is unavailable. Its my understanding that once a modification packet is complete the sale date should be put on hold. I have never received any documentation from Selene regarding sale date. Im doing everything humanly possible to work with them and I cant get any clear response. I got behind on payments due to Covid a major XXXX  and a major XXXX, all documented and sent to them. I am doing well and have been employed since XXXX of 2022. This issue is destroying my life and I need help. Please, I know what theyre doing is wrong, I just want to get back to my normal life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to call Aidvantage customer service to cancel a consolidation loan application for 5 days straight. I have sat on hold for a total of XXXX hours. I have emailed them and have not heard back. I requested XXXX call backs. They will call me back and put me on hold. I have yet to speak to a human being. According to their website, this is the only way to cancel my application. The latest call back was scheduled for 24 hours in advance and they still put me on hold. I can not resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was frauded and it was used to make purchases from a local gas station.I never used that gas station.Not me and not any family member.I am the only person that has acces to that debit card. 
I reported the fraud and even did a police report but Wells Fargo said that in the transaction the PIN number was used and they will not refund my stolen funds. 
They are saying that me or another family member used my debit card.I repeat that nobody has acces to my debit card and me and my husband worked in that day. 
My checking account is new.I have a car loan with them and I made a checkings account with them to transfer the funds more easy.I barely have 2 pages of transaction and my card was already frauded. 
My debit card was frauded 4 times in the amount of XXXX $ Wells Fargo is denying the refund of the claim.As I stated I never used that gas station and I have no car that can hold XXXX $ fuel ( that was one transaction ). 
I was treated with disrespect by Well Fargo customer service/fraud delartment.

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