BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Genesis FS Card Services has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non-affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 
Genesis FS Card Services is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat, duress, and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
I hereby dis-affirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Genesis FS Card Services XXXX This account is a billing error. Please provide me with documentary evidence of the obligor 's indebtedness. 
As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 
Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Genesis FS Card Services, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Private Student Loan debt - deceptive practices : In XXXX I came to an agreed settlement of my Private Student Loans with the loan servicer and made payment arrangements to pay the debt collector. The sum of {$26000.00} is considered as a complete settlement in 71 payments. The first payment in the amount of {$2000.00} is due on or before XX/XX/XXXX. The following 70 payments in the amount of {$350.00} are due on or before the XXXX of each month starting XX/XX/XXXX and ending XX/XX/XXXX. I have been making payments on time every month since this agreement was made. 

As of XX/XX/XXXX I received a notice that 3 of 7 of my accounts had been forgiven that was granted on XX/XX/XXXX, as a result of a settlement agreement the Loan servicer has reached with your state 's attorney general. I contacted both the Loan Servicer and the debt collector to make sure the forgiveness of these accounts were confirmed as true, both parties confirmed. The debt collector has now informed me that I need to renegotiate with the Loan Servicer through them due to stopped payments. They are claiming that I had stopped making payments as of XXXX of XXXX. I had not received any correspondence that payments had stopped being withdrawn from my account. The debt collector has provided me w/the service of auto withdrawals from my account that somehow stopped. This is the 3rd time this has happened during my repayment. The last time it happened I sent a certified letter by mail and email correspondence informing them that they had failed to process payments. 

The debt collector has tried to get me to agree to paying twice as much as I actually owe. They are unwilling to adjust the balance of my accounts to accurately reflect what is left to pay based on. my org. settlement after the 3 accounts have been forgiven and they are trying to force me to pay more than what is actually owed by putting a sense of urgency on the matter, stating I only have until XX/XX/XXXX and then the settlement they have offered is void and I will owe the entire balance that is left of {$26000.00}. 

I have also requested documentation of the loans that are still active and what balances are left to verify that their data matches XXXX data. The debt collector has been unable to present me with this information after several requests to do so. 

Please note I have kept a record of all communications between myself and the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX XXXX ; XXXX ; and XXXX. This is my 3rd attempt to get Experian to publish my consumer report in accordance with federal laws. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide the details of their alleged investigation relating to items published on my consumer report; failed to delete items in accordance with my written instructions as the consumer ; and continues to publish my personal information to third parties outside the scope of my consent thereby violating my privacy rights. Experian has fraudulently reported on my consumer report without either my authorization or validation. Experian is in violation of my rights as a federally protected consumer.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: NJ
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 # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-26
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For months I have received calls from Harris & Harris ( XXXX ) XXXX ( caller ID ). XXXX XXXX, this is a debt collection agency. I spoke with this company several times asking them to remove my phone number from their database. The calls continue. My husband ( now deceased ) and I have no debt, and have never owed debt, nor have defaulted on any debt. Am at a stalemate in talking with this company. They have my phone number but I will only give them my first name. Each person calling will not give me any information regarding who they are trying to find other than to tell me my first name is NOT the first name of who they are calling. I ask them to stop calling and they hang up on me. Have tried blocking their number, but calls persist. I am not able to dispute anything since they wont furnish any information. They wont even tell me their company name or address. All that I know is that they have my phone number. I will NOT furnish them any other information about myself. They have an incorrect phone number for however they are looking for, whether furnished by the debtor, or incorrect data input by this company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XX/XX/2022 I sent a letter to the credit bureau regarding XXXX XXXX  accounts showing on my credit report. I asked the credit bureau Validate the debt, A Breakdown of fees including any collection costs and medical ALL XXXX  charges how they were derived or came about so I know it was billed correctly under the guidelines of the XXXX and XXXX. 
I also requested to receive the HIPAA authorization signed by myself and to be provided with a copy of my signature with the provider of service to release my medical information to you. 

I asked for this information because the creditor could not verify or send me any info on the accounts. 

It is now XX/XX/2022 and i still have not received any correspondence pertaining to this dispute and the unverifiable accounts are still showing on my credit reports.

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 2022-04-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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 2022-06-24
Company: Experian Information Solutions 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it 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 2022-05-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
I initiated a request to purchase a XXXX watch on " XXXX XXXX XXXX XXXX on XXXX, XXXX 2022. 
I paid " {$5300.00} '' as down payment and applied for a load with amount of " {$5000.00} '' on their website. ( The total amount of watch was {$10000.00} ) I was in contact with the Sales person and she has been waiting for me until the next day morning to have the loan approved. 
My load got rejected and I let the merchant know and they cancelled my order. 
When I asked them to return the down payment, they denied to do it immediately and let me know that according to their policy, they will have to charge me 20 % for restocking fee as they have already started my purchase! 
I never received any invoice and Sales person clearly told me that is waiting for me to provide the rest of the fund ( XXXX ). 

In any case, cancellation was not on my side and my loan fell through. 
I disputed a charge with my Bank ( J.P.Morgan Chase ) as the transaction was on Chase XXXX  XXXX XXXX. 

Unfortunately they could not get my money back and now saying the dispute time has passed and they are not able to help me anymore. 
I asked Merchant again, they are not returning my down payment fully. 

Please help as myself and my wife must work hard to save that much in a year. 

I can provide any evidence upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
Company: VYSTAR CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We can not access any of our account information with VyStar Credit Union for over two weeks now. Bill pay that we are signed up with is not processing any payments. Some of our deposits are not being credited to our account. I requested a print out of transactions via email because the hold time has been 2+ hours and they sent me someone elses account information including account number and everything. This makes us all very worried about the security of our accounts. XXXX XXXX sits on both VyStar and the XXXX board which is the vendor VyStar invested XXXX XXXX into for this new online banking debacle. That has to be a clear violation and conflict of interest. This is a mess and I can not operate my business without online access to my money!

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 2022-06-24
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX : paid the whole balance of {$100.00} Discover credit card account XX/XX/XXXX : I called and cancelled my Discover credit card ; made sure to ask if there were other fees/balances that I needed to pay beforehand. Representative said no. 

Discover states that I had an outstanding balance of XXXX and placed my account in delinquency as of XX/XX/2022 which then drastically decreased my credit score.

However back in XXXX I called Discover and asked to dispute the balance, which they stated they would do over the phone. But now Discover is claiming there is no record of such call or dispute record. 
I called and asked to dispute the delinquency as my account was being closed and canceling all auto-payments with merchants. Discover provided a courtesy adjustment and waived the charge but declined to remove credit report. 
I asked for a goodwill adjustment but Discover refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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