BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
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: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing this letter to dispute the previous investigation conducted by your bureau regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like to express my strong disagreement with the results of the investigation and the way it was conducted. 

Under the FCRA law, I have the right to know how the account has been validated, including the name, company, and phone number of the representative from whom the validation was obtained, the last day of delinquency, the last date of activity, and whether the company is properly reporting under my FCRA rights. However, I do not feel that a full investigation was conducted, as I was not provided with this information. 

Furthermore, I would like to bring to your attention that the account in question is being reported as open, which is inaccurate. I do not have an open account with XXXX XXXX XXXX, and I was not provided with an original validation that contained my signature. I believe that this violates my rights under the FCRA law. 

Additionally, I have reason to believe that XXXX XXXX XXXX is actively manipulating the payment history and charging off the account consecutively with some being reported back to current after it was reported closed and charged off, which is a violation of my rights. This action is causing significant harm to my credit score and overall financial health. 

Therefore, I demand that these accounts be removed for these violations. If your bureau can not confirm that every piece of information is 100 % correct, then I ask that you remove it from my credit reporting. 

I trust that you will handle this matter with the utmost professionalism and fairness. I look forward to hearing from you soon regarding the resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Since sometime in 2017, I have had a limitation on my PayPal Credit account with no explanation why and no way to remove the limitation. 
I have made many, many attempts to rectify this to no avail. I have repeatedly used their online resolution center, called, emailed, chatted, and always get the same response that my service is limited, can not be used, and nothing can be done to resolve it. 
I have also repeatedly requested that the account be closed, and they will not close it. They continue to send me emails requesting an update to expired cards but then I still can not use the card. 
I have FICO scores of 820+ have NEVER done anything to have a limitation with PayPal - yet can not get this resolved or the account closed. I do not want an account open that I can not use and yet has credit card files on me that I can not control. 
This has been going on now for nearly 3 years! 
I need this matter resolved or the account closed.

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 2019-09-29
Company: BlueChip Financial
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am XXXX, over XXXX years old, and I live of $ XXXX/month in XXXX income. On XX/XX/2019 I acquired a {$300.00} payday loan. At the time of signing the loan, Because of unexpected medical expenses due to my XXXX I was unable to make the payments. I contacted Spotloan Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls and charged enormous fees which added up to {$720.00}, as of today. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX in their area, also without success. I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
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:
Hello, My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX.  There have been numerous credit card applications and numerous credit cards received in my name and all of them were maxed out and all of them were opened fraudulently. I do not know who or how they obtained all of this information, but it is fraudulent. These accounts include a XXXX  card for {$300.00}, XXXX XXXX card for {$300.00}, and a XXXX Credit card for {$3000.00}. Each account was opened and maxed out on XX/XX/. I called each of these companies to report the accounts as fraud, filed a police report, filed an FTC report, and put fraud alerts with each credit bureau. All of this was completed within 2 days of discovering the fraud in XX/XX/XXXX. Since the reports were filed, both XXXX  and XXXX XXXX have removed the inquiries and credit off of my report, but XXXX has yet to remove the inquiry and report from my credit report. It's now been over 3 months since I have reported everything and yet the fraud account is still on my credit report.

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 2023-10-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
Equifax has inquiries on my report that I do not recognize. I have called them to fix the error. They told me I need to call the compaoand send in an ID Theft Report. I have called the companies and I have filled out an Identity Theft Report and sent it in. They tell me the ID Theft Report is not acceptable but will not tell me why. They say they do not access to that information. I need this information off my report as it is not mine! Also according to the Fair Credit Report inaccurate info must be verified or deleted. They have not verified this information nor have they deleted it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Navient Solutions, LLC.
State: MD
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:
My student loans were serviced by Navient. Circa 2012, Navient representative informed me that I needed to consolidate my loans in order to participate in the Public Student Loan Forgiveness Program. They informed me that I would need to make 10 years of consistent payments after which the balance would be forgiven. I allowed the consolidation to occur and immediately began making monthly payments. After learning of the recent lawsuit by CFPB, I transferred my loans to the Department of Education. That's when I learned that Navient deceived me and that none of my payments are eligible for the loan forgiveness program. In addition, amounts directly deposited with Navient by my employer were never credited to my account. Over the years, these amounts average a total of {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-14
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX, I took out a private student loan through XXXX XXXX XXXX/AES XXXX in the amount of {$14000.00}. As of today, XX/XX/XXXX, the balance of this loan is {$21000.00}. Over the years, Ive spoken with this lender to discuss these predatory terms and done forbearances from time to time because Ive struggled with making these payments. But no other solutions are available for this loan according to the lender. I was a college student paying for college on my own when I took out this loan. Now that Im older and more knowledgeable, I now know this was an act of predatory lending and hoping the CFPB can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am having issues with citi bank on my sears card and XXXX XXXX XXXX  there is fraud on my accounts and they keep calling to harass me over and over they call over 10 times a day and think it is okay. They refuse to listen and ignore any letters and faxes sent by us. They threaten to charge the debt off and put it on our taxes when over 99 % of the amounts were fraud and they sent us papers and we told them to stop calling and they refuse to. I am sick and tired of this because they are clearly breaking laws and they think it is okay. We want them to work with us and apologize for things and send us a written letter about things and such. They only call and refuse to send us anything in writing about the debt only when we request it they keep finding it to be a real debt when it is not just because the card was used the chip. Anyone can clone it and it is really not that hard like they think. Plus we had issues with another person under by name as well. I am very mad about this and they are breaking multiple laws and I want compensated for the laws they are breaking we are getting a lawyer because of the fake things they say are true.

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 2023-03-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$130.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$63.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6400.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXL ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$110.00} ; XXXX  XXXX XXXX Balance : {$410.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: IL
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:
requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS- XXXX XXXX XXXX # XXXX HAS VIOLATED MY 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 A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Proff of Ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Account status incorrect

Complaint:
On XX/XX/2023, XXXX student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from XXXX student loans. 

The loan was put on a disbursed schedule during the pandemic and XXXX had never informed me when the disbursement had ended. Furthermore XXXX had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but XXXX had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX ( XXXX XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number # XXXX ( XXXX XXXX ) Account Number # XXXX XXXX XXXX XXXX  ) Account Number # XXXX ( XXXXXXXX XXXX XXXX Reference number # XXXX ( XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 SECTION 602 A. States i have a right to privacy.

15 U.S.C 1681 SECTION 604 A. States a consumer reporting agency can not furnish a account without my written consent.

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 2023-02-11
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$17000.00} ; ACCEPTANCE NOW XXXX Balance : {$2800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$63.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$110.00} ; Medical XXXX XXXX Balance : {$410.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; TX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3.00}, XXXX XXXX XXXX XXXX : {$5700.00}

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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
A letter was sent to Experian dated XX/XX/XXXX and received XX/XX/XXXX according to USPS certified receipt. In my letter I requested the validation of this account and disputed the transactional history listed on my credit report as XXXX XXXX XXXX I requested that the account be investigated as I did not recognize it. Additionally, I questioned a late payment for XX/XX/XXXX which again I was not familiar with. I requested the deletion in accordance with FCRA 1681a ( 2 ) ( a ) ( i ) which states NO REPORT SHALL INCLUDE experiences and transactions. As of XX/XX/XXXX via the attached Experian report the account has not been removed nor has the account been flagged as " Disputed by consumer ''. This violates the FCRA and must be deleted immediately. Experian 's Investigaton has exceed the 30-day window.

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