BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX bought the debt from another bank & started sending statements to the wrong address. They are aware of the issue & agreed to update it to open/never late. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT LVNV FUNDING LLC XXXX XXXX XXXX have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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:
They Broke the law furnishing to my credit report without my consent the law clearly states " Pursuant to 15 us 1681a ( d ) ( 2 ) ( A ) ( ill ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report ''. This is in fact another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Celsius US Holding LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sent funds into account with Celsius on XX/XX/2022 in order to pay off my loan. Was having trouble with their app paying it off. Was waiting till Monday to speak with a representative. On XX/XX/XXXX they added the funds I sent over to pay for my loan. Into my my loan. Now they are saying I have to still pay the XXXX to release my funds. I sent money to pay for the loan they took that money and saying I basically have to pay twice this is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We paid our mortgage off months early trying to help with our finances, USDA then told us that they would send us a congradulation on paying off your mortgage letter.Instead what we got was an amount added to our credit reports, ALL HAVE DIFFERANT AMOUNTS OWED almost {$60000.00} added to our credit reports and they have late payments added to an account that says in GOOD STANDING while at the same time 3 months without a payment sent to them.There information has been incorrect for a very long time and they do not make any effort to correct it.We even sent a letter to them asking them to remove the late payments in GOOD FAITH because we made all payments and even paid off early.They sent a letter just stating NO.I have reported this to the three credit agencies and have done MANY dispute entries.NOTHING HAPPENS.The late payments they claim are late were never past the 3rd of the month and do on the XXXX, never XXXX days late as they claim.The only information they ever sent us was a letter stating that they would not forgive because of good faith, even though we paid early.They have a lien on our home for that {$60000.00} for subsidy recovery and this hurt our credit probably beyond repair for many years.

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 2018-05-17
Company: Credit Plus Inc
State: MI
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:
Back on XX/XX/XXXX I filed a complaint against CREDIT PLUS for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Plus claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or Credit Plus has provided any information. 
It has been well over the 30 days since Credit Plus could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, Credit Plus is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
- In XXXX of XXXX I applied for a loan consolidation through XXXX, to consolidate my loans that were in repayment. 

- On XX/XX/XXXX of XXXX I was approved for a Direct Consolidation Loan in the amount of {$36000.00} from a loan servicer NelNet, to pay my outstanding balance on my federal loans and was approved. 

- Approximately XXXX of XXXX, got a credit alert and received information from US Dept of Education that this loan defaulted.

- Reached out to both US Dept of Education and Nelnet on numerous occasions to resolve this issue and was told by Nelnet that account was in good standing.

- Contacted by US Dept of ED in XXXX of XXXX regarding notice of intent for Wage Garnishment for the balance of the loan. 

- In XX/XX/XXXX I submitted documentation detailing that I consolidated the loan and have been paying on time and was subsequently denied. 

- At this point a different collections agency is attempting to collect on this dept with added fees and interest in the amount of {$49000.00}. I currently have until XX/XX/XXXX to come up with a payment plan or they will proceed with garnishment. 

- Called NelNet on XX/XX/XXXX, talked to a specialist, they stated they don't know how to help and they they paid XXXX/XXXX. They said to reach out to US Dept of ED. 

- XX/XX/XXXX Contacted by assigned Creditor, XXXX XXXX, stating there was an error and I now actually only have until XX/XX/XXXX to come up with a payment plan or appeal the wage garnishment hearing in Federal District Court. 

- XX/XX/XXXX Sent Certified letter to both Nelnet and US Dept of ED Administrative Wage Garnishment group requesting a detailed investigation into all loan accounts associated with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I live in XXXX, California and on XX/XX/2022, while visiting my XXXX old father in XXXX, I stopped at the XXXX XXXX in XXXX XXXX , California, store # XXXX, XXXX XXXX XXXX to buy a wallet. I used my XXXX XXXX to purchase the wallet. The clerk at checkout asked me if I wanted a rewards card, but without my knowledge, she signed me up for a Sychrony Bank credit card. I was not given any paperwork indicating that I was being signed up for a credit card, just told that it would be coming in the mail. It wasn't until I received the credit card today XX/XX/2022 and my credit report took a XXXX point negative credit hit that I realized I'd be misled. I called the credit card company and the only thing they did was to cancel the card, but I need my positive credit restored. 

After the conversation ended, I tried to calle Synchrony Bank to speak with a person who could contact the three credit bureaus to restore my credit, but was not given any access to a human being. I have already frozen my credit at XXXX but the damage has been done. 

I called the store on XX/XX/2022 and spoke with XXXX and told her what happened but she there was nothing she could do. I never opened the credit card, speaking with XXXX in Synchrony 's offshore offices on XX/XX/2022, confirmation number : 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 2016-04-27
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is harassing the co-signer to my loan, forcing them to make payments and causing the co-signer 's credit appear as if their delinquent. Navient offered to work with us whatsoever and informed us that we exhausted all of our options regarding hardship, unemployment, etc. XXXX informed me, today, that my loan is current and the next payment is due in XXXX 2016 of approximately {$300.00}, however, Navient informed the cosigner that this amount is due immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a, states " there is a need to insure that consumer reporting agencies exercise their grave responsibilites with fairness, impaartiality and a respect for the consumer 's right to privacy. " I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. " It is policy of the Congress that each finanicial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information '' 15 USC 1681 604 a sec 2 " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instruction of the consumer to whom it relates. The financial institution and the consumer reporting agencies do not did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to all reporting agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. A financial institution may not disclose nonpublic personal infoemation to a nonaffiliated third party UNLESS the consumer is given an explaination of how the consumer can exercise that nondisclosure option option, per 15 USC 6802 ( b ) ( c ). These agencies Never informed me of my right to exercise my nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 15 USC Code 1681 A consumer may exercise their right to optout at any time. " I am opting out of your reporting services ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a back account under my name with Bank of America and I called the bank and will try to solve my problem

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 2021-02-18
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Ohio for an exam on my XXXX. I needed a XXXX  and XXXX XXXX fixed. The woman at XXXX XXXX scheduled me for two appointments. The first was the XXXX XXXX and second appointment to fix XXXX. I went ahead a pre-paid for BOTH appointments in the amount of {$1100.00}. 

I went to XXXX XXXX at the office in XXXX XXXX, Ohio on XX/XX/2019, for the XXXX. Had my XXXX XXXX and left. The next appointment was two weeks out. I received a bill from XXXX XXXX  for {$1500.00}. They subtracted the {$1100.00} and claimed I owed {$380.00} for just a XXXX XXXX. I went up to the office for an explanation. They claimed they injected me with over a {$1000.00} in XXXX  that I did not agree too or sign for. 

In essence, XXXX XXXX charged me {$1500.00} to clean my XXXX. It's {$10.00} at the local college for the same process and more thorough. Now XXXX is sending out this as an unpaid debt to collection agencies. 

I received a letter from Radius Global Solutions, LLC. I contacted them and explained the situation. They did a follow up and XXXX XXXX  forged documents and lied about the services provided. I know this because I received their " account details '' that a littered with unauthorized charges and complete falsification in some cases. 

Who would pay {$1500.00} to have a 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 2021-02-18
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was infected with XXXX XXXX in XX/XX/2020, I was not able to work and really keep up with any of my daily functions. Keeping tabs of my bills was one of them and received a late payment to my credit report during this period. I called Chase Freedom credit card to tell them the situation but they did not want to help at all. I had almost perfect credit score and since then has dropped dramaticly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I booked a trip ( 2 tickets myself and my wife ) from XXXX to XXXX XXXX. The " to '' XXXX XXXX flight was overbooked so my reservation was canceled. I contacted XXXX XXXX  on XX/XX/2018 ( they were the airline on my return XXXX XXXX to XXXX flight ) I informed them that my " to '' flight with another airline was canceled. They told me since I had booked the tickets and was cancelling them within 24 hrs that there would not be a problem with a refund. The 2 charges appeard on my credit card statement in the amount of XXXX for each ticket. ( 2 charges of XXXX ) I waiting until my statement closed and there was no refund issued. I filed an online dispute with my credit card Citibank XXXX Visa card. The Citi system only allowed me to dispute 1 of the XXXX charges. I called Citibank and they said there was a system issue and the dispute would apply to both XXXX charges. about a month went by and I was informed that the dispute was resolved in my favor. I received a permanent credit of XXXX. I called Citi bank and inquired as to why I only got 1 credit of XXXX instead of both XXXX charges. I was told there was no record of me disputing the other charge of XXXX so I did it with the rep over the phone for Citi. I was told there would be no issue since the first charge was ruled in my favor. A few more weeks went by and I was informed that the second charge of XXXX was ruled in favor of the airline. I called Citi for an explanation as to why 2 tickets for the same flight could be disputed and only 1 ruled for  me and the other the airline. I was told there was nothing they could do me. I asked again how 2 tickets for the same flight for the same family could be ruled in my favor and against me. I was not given an answer.

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 2022-07-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I made a purchase on Comenity Bank XXXX XXXX card at XXXX XXXX on XX/XX/2022. I never received the bill for this transaction. I was unsure of when billing cycles end and if the charges would go through when the item was purchased or shipped since I rarely use this card. The end of may I received a bill stating that my account was past due and I called in on XX/XX/XXXX. I let the representative know I never received the bill. She waived the late charge that was assessed and asked would I like to make the payment with the information saved to my account to which I agreed. Towards the end of XXXX I receive another bill with another late charge stating my payment was not made. There was sufficient funds in the account to more than cover the bill and it was not a returned payment. The associate simply didnt process the payment like she said she would. I called in again and gave them all the information about my experience. I am told the late fee can not be waived. I am then transferred to a supervisor that eventually waived the late fee but an told there is nothing that can be done about the interest charge that accrued. I am then transferred again to someone who will close the account because at this point I want to cut ties with this company. This individual tells me I have to make the payment before closing the card to which I do and request a confirmation number. I am told that the balance is now {$0.00}. I tell the individual to just leave the card open because I want to see the impact of closing it on my credit before I proceed. A few days later I receive an email from XXXX that a late payment has posted to my credit and I took a significant decrease in my credit score ( over 100 points ) when I look into it they not only reported the late payment but also a balance on the card and simultaneously reduced my credit limit from {$16000.00} to {$750.00} all after the entire account should have been reconciled. Inconsistent information was reported to XXXX  and XXXX. Only the late payment was reported to XXXX. I call in again to inquire why this information was reported as negative on my credit report and learn that my account once again has a balance because a late fee that was removed was added back onto the account. When I speak to this representative she states there is no record of the initial payment I made with the representative and they have no way of knowing who I spoke with. Obviously, their documentation requirements are not up to par. The representative took all the information and said that her supervisor would review and I should call back in a few days. I would not recommend having this card. This has been a nightmare.

Company response to consumer: Closed with monetary relief