BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NC
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:
The attached letter explains the problems that I am having with the 3 major Credit Bureaus, XXXX, XXXX, and Experian. There are so many unauthorized credit inquiries. I am worried that I have contacted these companies fearing that I can be a victim of identity theft and nothing has been done to protect my privacy.

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 2023-10-02
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
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:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX  XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} ACCOUNT # XXXX Creditor XXXX XXXX XXXX  {$2200.00} Creditor XXXX : XXXX XXXX XXXX {$150.00} Creditor XXXX : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: AES/PHEAA
State: NC
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 issue is with Fedloan reporting to my credit report inaccurately. They are no longer the servicer of the loan as of XX/XX/23, and should be reporting as close, due to now Dept of Education is now the servicer of the loan and is reporting to credit bureau accurately. Fedloan is Jeopardizing my credit report. I can provide evidence that this being reported incorrectly. 

Please help me get this verified and resolved. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Bastion Consumer Funding I, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company ( XXXX ) This company has been mailing me notices of debt, amount ( {$1200.00} ) that I do not recognize. This account has been reporting a past due balance, and is currently reporting open and inaccurately. I do not know this company and have not done business with this company nor does this company have my signature on a contract & failed to provide one.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One sends me mailers seemingly every week trying to get me to apply for one of their cards. I finally decide to apply for one and then I get denied! My credit rating is over XXXX so I 'm not sure why I was denied but I believe it hurts my credit. Capital One should stop sending offers to people who they deem ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have noticed many incorrect and unauthorized items appeared in my report and didn't recognize them at all. Last 2019 my car was stolen and I have all the important documents on it such us my ID, Social Card and some of my company 's documents too. Please see attached documents uploaded a police report and the list of the accounts and inquiries that I didn't know.

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 2018-03-11
Company: SYNCHRONY FINANCIAL
State: NY
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:
I applied and received a card fro XXXX XXXX via XXXX XXXX. Shortly after using card I lost it and got a replacement. The replacement card didn't have the same account number. Most companies change the check digits, but I received a completely new account number which required a completely different login setup to be established. Then because of the replacement Synchrony never journaled the balance from the original card correctly. Given XXXX XXXX  inability to sync replacement cards with original account and poor customer service I canceled the card and paid off the balance. I never revolved. Synchrony after the fact charged a membership fee. I had the fee reversed. Then a finance charge of {$2.00} appeared on the account for the membership fee that was reversed. The {$2.00} was finally reversed. I thought I was done on XX/XX/XXXX! Now I received a letter that Synchrony sold my original account to XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$370.00}. Synchrony didn't journal over the charges from the 1st card to the replacement card correctly! Their accounting is all wrong! Accounts ending in XXXX and XXXX should be closed with a zero balance! There systems didn't reconcile between the 1st account and replacement account. That's pretty hard to do when you don't maintain the same account number!

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX XXXX back in 2015 and I took classes there for my XXXX XXXX XXXX and I received XXXX grants and scholarships. I never received any information or documents stating that I own {$21000.00} to them. I have statements that state that I currently owe XXXX to them. I would like Transworld Inc to cease and desist all contact methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: RCS Capital Partners, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
RCS has been contacting me, my husband, and various members of my family AFTER we have told them multiple times that all communication is to be done via mail. XXXX XXXX is the one that is leaving threatening voicemails, yet XXXX ( something ) is the one who answers the phone when called back. XXXX is RUDE and extremely unprofessional, going so far as to hang up whenever he didn't like what we had to say, yelling at my mother, and cussing my brother out. I could barely get XXXX to answer me as to what company he represents, and he refused to transfer me to XXXX XXXX after calling back XXXX times. I wouldn't have known this was a debt collector, except he disclosed that he was attempting to collect a debt when my mother called them back ( illegal ), and never once told us that our calls were being recorded ( illegal ). He then threatens to sue me because I am now " harassing '' them when all I was trying to say was to stop contacting everyone and do everything via mail, but he would hang up on me before I could get it all out. I have recorded everything they have done, and every law under the FCRA that they have violated. This is not okay that companies are allowed to operate like this! They are harassing myself and my family and will not disclose anything as to why they are calling!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase Bank billed me for a credit card and then they decided to not inform me of the payment being due or late. I previously would just pay every month but did not check the account over the holidays. The payment was made in full, the account was updated and then the account was once again showing this as a missed payment. This was in error and needs to be fixed, the company would not allow me to state my case to the credit department despite being on current and historical good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has me in collections and I HAVE NEVER HAD ANY DEALINGS OR ACCOUNTS WITH THIS COMPANY ... ... .They have me confused with another person who lives at same address and does have an account with this Company.

Never have I signed, ordered or requested services from this Company. I have disputed this claim with credit bureaus, recently XXXX has removed it from my credit report, waiting on the others. Please assist me to get their claim off my credit reports. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with Chase Bank, and they always take more for my money then what I should pay them.My account keep coming back very short, I tried to talk to them but always leave upset because they tried to tell me that I am wrong about my account.You do the math I place {$4900.00} in the bank I spent {$250.00} I when took cash the same night and placed it in the ATM machine next night I spent {$100.00} took that back to the ATM machine. I shop for XXXX gift spent {$190.00} Spent {$20.00} paid phone bill {$130.00} XXXX spent {$54.00} insurance which came to {$390.00} they were surpose to return XXXX insufficient fees which came to {$130.00} XXXX return {$84.00} why I go to the bank and was told I only had {$4000.00} in the chase bank? Where is my money? First time they took {$370.00} out of my savings account and said I paid my truck note a day early on a Thursday. Which they was lying XXXX got my check on Friday and I always pay my bills on a Friday always when my check comes I paid it that Friday and still they kept my money I verified with my car company and I was right but yet chase never gave my money back. They stated They paid me the insufficient fees back where is the money it doesn't add up and they know that but still kept my money.right now I'm out of another $ XXXX {$600.00} dollars trusting Chase Bank XXXX I pray you always watch your money while using Chase Bank. They take what don't belong to them. What's so bad they try to me you believe you crazy and that you spent your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: AL
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:
In Accordance with the Fair Credit Reporting Act 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 says a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 says 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 my wife received a call from her family in XXXX, XXXX  that her grandmother will likely not make it through the night and we need to fly out to say our goodbyes. We attempted to book a flight through XXXX  in the amount of {$640.00} using our debit card but our bank ( J.P. Morgan Chase ) denied the charge. A pop-up screen displayed on XXXX that our transaction was unable to be completed due to the tickets selected being sold out. So, I pulled out my XXXX  XXXX credit card and paid XXXX airline directly. We received confirmation from XXXX that we were on our way to XXXX. As we were packing, roughy 30 min after airline tickets were purchased from XXXX with the XXXX  XXXX credit card, we received an email from XXXX that our tickets were approved. So, at that point we had 4 XXXX round trip airline tickets from XXXX to XXXX for only two passenger ( two tickets for XXXX and two tickets for XXXX for the exact same flight ) We immediately called XXXX, and currently still have a pending claim with them. XXXX gave me a window of 60-100 days for a response. After speaking with XXXX, I called chase to report the fraudulent charge and they temporarily refunded the money. When speaking with chase on the the XXXX of XX/XX/2023 the claims department representative said they did deny the charges on the first XXXX attempt and flagged our account as suspicious fraudulent activity but they than approved a XXXX unauthorized attempt from XXXX. On XX/XX/2023 chase took the {$640.00} out of my account and would not let me dispute again. Claims department representative wouldnt even allow me to speak with a supervisor. 
J.P. Morgan chase could not answer why the charge was denied and then approved without receiving approval from an account holder. Their response was its an automated system and we have no control.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.

Company response to consumer: Closed with explanation