BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX TO XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/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 2022-09-07
Company: American Credit - Credit Repair Centers
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have previously submitted a complaint against this company for posting/affixing illegal bandit signs on private and public property. The owner XXXX XXXX acknowledged my complaint and indicated he would cease. However, shortly thereafter, this company is still affixing these signs unlawfully on telephone poles, traffic signs and fences. This company does not have a permit to advertise in this capacity. This company is systematically violating California state law. The company is in violation of 2007 California Penal Code Article 2. Unlawfully Placing Signs On Public And Private Property CA Codes PENAL CODE SECTION 556-556.4 It is a misdemeanor for any person to place or maintain, or cause to be placed or maintained without lawful permission upon any property of the State, or of a city or of a county, any sign, picture, transparency, advertisement, or mechanical device which is used for the purpose of advertising or which advertises or brings to notice any person, article of merchandise, business or profession, or anything that is to be or has been sold, bartered, or given away. These illegal signs are a public nuisance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX XXXX Account number:XXXX and XXXX XXXX XXXX Account number : XXXX 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 an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
More trickery from PNC. ( XXXX ) transactions were shown as pending on my account, in the amount of {$270.00} and {$290.00} for several days. They remained in pending status until the funds in my account were no longer sufficient to cover the transactions, then they went through 2 days later. After the transactions did not show as " pending '', I assumed the balance on my account was current, and budgeted off that balance. Even though the transactions were shown as completed, they did not go through until 2 days later. So I was basically budgeting off a fake balance. Just another trick PNC uses to force customers into overdraft, which I am now at - {$310.00} including overdraft fees. This number will climb as I have XXXX more online payments going through this week, XXXX in the amount of around {$7.00}. PNC will extract a {$36.00} fee from a {$7.00} payment. Once it 's all said and done I will be nearly - {$400.00} and unable to make next month 's payments. The balance shown on my account was FALSE. Pending transactions on the account are completed in an erratic fashion, sometimes 3 days to a week later. So I never really know what my balance is. This is misleading and I will not tolerate it. I DEMAND FULL REVERSAL OF ALL OVERDRAFT FEES FOR THIS DECEPTIVE AND MISLEADING PRACTICE. I hold PNC accountable for rearranging transactions, showing false balances, and keeping transactions pending until funds are insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: MD
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This account has been illegally reaged. I first found out about it when I attempted to lease an apartment and was declined. Most complexes go back about 2 years however, this particular company shows up as being recent XXXX XXXX. I have not lived at that apartment in almost 2 years and I first started receiving calls about the debt XXXX XXXX. So now every time my credit is checked I.Q. Data comes up as being recent and it is not recent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Kriya Capital, LLC
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:
Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.18 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-12
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX XXXX Balance : {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 2022-04-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS ACCOUNT XXXX XXXX XXXX XXXX HAS BEEN PAID RECEIVE MAIL XXXX XXXX XXXX/SYNCHRONY BANK SAYING OWE XXXX FOR FEES THAT WAS CREDIT BACK BY THE XXXX NOW AND NOW THEY ARE SAYING I OWE WHICH I DO NOT OWE THEM I PAID THIS ACCOUNT IN FULL I DO NOT OWE THEM ANYTHING.

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 monetary relief
Consumer complaint received 2016-05-20
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since Monday XXXX I have received calls from this company each day and most twice a day. This company has blatantly violated the FDCPA in attempting to contact more than three times a week. Then attempts were XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX, and last attempt was XXXX at XXXX when I finally got through to someone and told them to stop calling. In addition after discovering what the account was for and who the company was they have also failed to send the first notice for the account as it has never reached my residence and the address that the original creditor has/had is my current address. 

They used XXXX different numbers to contact me : XXXX, XXXX, and XXXX

Company response to consumer: Closed
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase provided me excuses. Daily balance of {$1500.00}. very little people will afford such balance in CA. 
People work and pay their bills. Reality is that overdraft fees are too high and bank charge them without really see if they are correct or not. And when charge customer has no choice or said about it. Chase said we already reverse 2 fees which is our guidelines per yr. and if customer is been charged 10, per chase is guidelines their courtesy reverse per yr doesn't qualify that. 
I made {$1000.00} deposit after my complaint. Check written to myself was cleared from my credit union a week but hold in Chase side for 2 weeks, and even thought I have money for my bills chase kept overdraft me and charged me {$34.00} each transaction why I dont know. 
I went to the bank XXXX and XXXX each time waited early in morning in the cold for 1hr and half to correct the problem. But I kept deposit more money ( cash ) to make sure my transactions were covert. 
Chase couldnt give me any other explanation and told me that my only choice is to keep coming back and see them If, they will reverse overdrafts that been charged wrongly. 
Then I called and waited 1hr in the phone and talk a rude customer services name XXXX at customer services ( Will not provide me any other info about herself ). Very rude. I had 7 overdraft wrongly charged ( Because I had money but taken by Chase somehow were holding the funds ). XXXX told me that she will reverse and refunded only 5 charges. And If I want the 2 others I will have to call back. 
But even though he showed in my count that those 5 overdrafts were reversed the funds were short. ( See attachments ). Chase done this to me in the past. They correct the charges but the funds were not returned so my balances were incorrect, and short. Which of course overdraft me again.

I Called Chase again waited in the line for 1hr and 30mm without any one answer me.

The virus giving Chase an opportunity to abuse customer when government and all others companies are trying to supports people to make it. ThAT IS not right. 
My balance if the correct refund should be {$170.00}. Not {$68.00} chase is showing. 
I will like to have my money back from chase. 
Chase also always will find a way to take back what they refund. Customer cant win with them. Customer only protection is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

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 2022-04-12
Company: EQUIFAX, 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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
School : XXXX University - XXXX, XXXX elected and agreed to a Reduced Rate Payment Plan with Navient/XXXX. In addition to being charged incorrect interest rates, my monthly payment was incorrectly allocated which is resulting in late fees and a delinquincy notice. After speaking with about XXXX customer service representatives and a call time of over XXXX hours, no resolution had been reached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2016-07-18
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BMW FINANCIAL wrongfully reported a 30 day negative mark on XXXX accounts dropping my credit score about XXXX points. On or about XXXX XXXX, 2015 I posted two payments on XXXX accounts with BMW FINANCIAL. The payment was post " on '' the 30th day. BMW FINANCIAL still reported both accounts as 30 days late. This is a false reporting as a complete 30 days did not pass without a payment. I brought this up to BMW FINANCIAL and they states it is policy. I stated how can an account be reported 30 days late if only 29 days passed without a payment. The representative stated that it is open to interpretation. Policies should not be vague and ambiguous. I then requested documentation that supports their policy regarding reporting late payments. Representative said they could not provide documentation. I then asked if how they report late payments in the agreement with them. They said it is not. I also informed them I disputed the reportings through XXXX. Agent from XXXX said their notes show that BMW FINANCIALS could not give a reason why they reported the 30 day lates. XXXX then asked if they could remove the negative reportings. BMW Financial told them no. So BMW Financial can not provide documentation to support their policy, they admired their policy is open to interpretation, and still refuse to remove the 30 day marks. If BMW FINANCIAL does not correct their mistake in their reporting my next step is to retain counsel and file a complaint in civil court for punitive damages for negatively impacting my wife 's and I credit and request sanctions against BMW Financial for violations under the FCRA. I have proof of payments made and if it goes legal then can subpoena communication between XXXX and BMW Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Has called me from Multiple " local numbers. '' When I have answered there is a delay and just asked me to confirm who I am without telling me what it is about first. I have asked them not to call me again and they do but just from another number. They do not leave voicemails when I miss the call. When I return the call, it tells me it's for Portfolio Asset Recovery. Some of the numbers they have called me from are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Avant Holding Company, Inc.
State: CA
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:
This card was promoted to me by XXXX XXXX. It had a very high enrollment fee and high interest rate that will set any person up for failure. I feel this was predatory lending.

Company response to consumer: Closed with explanation