BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: FL
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:
I was charged 9 unauthorized and unknown charges on XX/XX/2023. Each charge was {$38.00}. I also received 9 charges unauthorized and unknown of {$1.00} on XX/XX/2023. All of these charges were from a company called XXXX XXXX, which I have never heard of. I called my bank, Chase Bank, on the same day, XX/XX/2023, and reported these charges. They temporarily refunded these charges while they launched an investigation. 

Then, today, XX/XX/2023, the bank reverts their refund and re-charges me a total of {$340.00}, the accumulated amount of the {$38.00} charges. When I call to ask for an explanation, they say that the original charge was made using XXXX XXXX, which I offered to provide them the receipts of because I did not have any XXXX XXXX  charges. They say that they didn't see anyone new add my card using XXXX XXXX, so they could not prove that this was fraud and then charged me the {$340.00}. I did not make these charges and no one else has access to my card via XXXX XXXX, and they now deleted my card off of XXXX XXXX so that I can not access my transaction history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Truist is repeatedly delaying the processing of my payments and is charging me late fees. 

All of my payments were sent via TD Bank Bill Pay and were scheduled to arrive prior to the payment due date. 

I have called Truist about this issue and to have the fees reversed. But to date, they have only reversed one {$27.00} fee. 

The following fees have been charged to my account. 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist charged me a {$38.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ). 

Truist reversed XXXX {$27.00} late fee on XX/XX/XXXX ( XX/XX/XXXX statement ).

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 2023-01-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you adjust this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MO
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:
I have been disputing with the Credit bureaus for the correction of the Disputed erroneous accounts being reported on my Credit File, and yet the Credit Bureaus have done nothing! I sent a letter to the 3 Credit Bureaus last XX/XX/2022, to update these suspicious accounts. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTs, and I'm including it again. Please have the following items fixed at the earliest possible time : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
a federal loan was taken 2010 for my daughter. She defaulted and Navient picked up her loan. She has been paying them for her loan. The IRS has been keeping my ( her mother ) tax return saying that I owe for her defaulted loan. She is still paying Navient and is current on her account. I have tried to contact Navient for the past few years and can not get an answer as to why this is happening. Initially I was told that I owed somewhere around {$24000.00}. The IRS has been keeping my returns of approximately {$1200.00} - {$1800.00} a year. I have tried to find answers thru them and was told to go thru Navient to no avail. 
Is there anything that you can do to help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Gm financial americredit without making the purchaser aware transferred the car loan. The car loan would seem to no longer be covered under usury exemptions for financial institutions. I believe this would mean that the car title would be subject to Californias 10 % max usury limit. The loan was put in a trust and sold to private entities. One question I have is who owns the loan? If its privately held the 21 % interest rate is predatory. Can you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Fidelity National Information Services, Inc. (FNIS)
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 is missing that should be on the report

Complaint:
On XX/XX/2022, I sent a certified return receipt letter to creditor listed on my ChexSystems consumer report to dispute inaccurate information regarding overdrafts. I am attaching a copy of the letter being returned from the post office on XX/XX/2022 due to a bad or invalid address. On XX/XX/2022, I sent ChexSystems a returned mail letter ( certified return receipt ) regarding my dispute being returned for an invalid or bad address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA, if the furnisher knows or has reasonable cause to believe that the information is inaccurate. The letter was received and signed for on XX/XX/2022. 

On XX/XX/2022 ( 31 days after signature ), I pulled my ChexSystems consumer report to see if the inaccurate item was deleted. Instead of removing the item, they just marked it as accurate and verified. As of XX/XX/XXXX, ChexSystem is continuing to report an invalid address and I demand that the item they are reporting to be removed immediately.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I just received a call from Bank of XXXX they said the won't be able to receive a transfer due to my account being closed they adviced me to contact you to provide new information refer to file I attach with this message Thank You

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 2022-11-30
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 CREDIT MANAGEMENT LP added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, CREDIT MANAGEMENT LP has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Those Accounts arent mine, I never Authorized those Accounts to be opened. -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 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

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 2022-11-30
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original creditor was XXXX continental finance company. Debt was then sold and the debt to XXXX XXXX XXXX Never did I receive a debt validation letter via certified mail. Im requesting to see proof of certified debt validation letter if they can not produce it I am requesting this debt be deleted because its effecting my ability to establish credit

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 2023-11-07
Company: Nelnet, Inc.
State: OH
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:
I applied for IDR/SAVE plan in XXXX. I received no communication until XXXX stating they were placing my loan into forbearance until the application was processed and that I would receive updates every 10 days. I received no updates until XX/XX/XXXX when they sent me an email stating I requested to remove my forbearance and my payments were due on XX/XX/XXXX on the standard repayment - I didnt request this as I was waiting for my application to be processed. My account now shows no record of my application for SAVE, and includes a letter stating I had to pay a certain amount by a certain date to be taken out of forbearance. The amount and date were BLANK. I called 3 times on hold collectively over 4 hours, finally talked to someone, they said if I paid the {$5.00} fee my SAVE application would be processed and my new payment would be reflected. The {$5.00} just went to my loans, still no updates on my application and is still showing the full amount due on XX/XX/XXXX. Studentaid.gov shows Nelnet has completed my application. I have received NO COMMUNICATION on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX 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 a account without my written instructions. 

15 U.S.C 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. 


Please remove this account.

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 2022-06-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Delete XXXX XXXX and XXXX fraudulent accounts within 2 business days!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
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:
I graduated from XXXX XXXX XXXX in XXXX. I immediately received info about federal loans from XXXX XXXX. It was about XXXX and I paid those off while I was in graduate school which was from XXXX. This past month I found out I had outstanding student debt from XXXX when it suddenly appeared on my credit report ( and dropped my credit score ) and my husband ( who has no connection to my student loans ) was contacted by a debt collector. From the debt collector, I found out my XXXX XXXX  ( about {$1700.00} ) were serviced by a company called ECSI. My major problem is they never contacted me. I had never heard from them about my loans so I didnt even know these loans existed until now. They are adding on a debt collector fee and my credit score dropped significantly. If I had known these loans existed, I would have paid them off years ago. I can not get any help from ECSI, they basically just said its my responsibility. I understand that, but they have a responsibility to make sure I know that Im even in debt! These were never shown on my credit report until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the debt collector after seeing my credit drop on credit Karma. My identity was stolen and used to buy electrical service through a utility company in XXXX. I am in a panic as my social security number is being utilized for someone in Texas. I filed a dispute with XXXX credit bureaus and upon reaching out to the debt collector was told they do not email the necessary information to dispute fraud and to take care of my fraudulent debt. The agents name was XXXX - phone number XXXX. She then proceeded to ask me for my address phone number and spouses phone number. Clearly with the intention of still collecting the debt. This has been a harrowing experience for myself and my family. The debt collector told me without gathering all of this information they would not be able to dispute the fraud. This is clearly a violation of defined statutes and needs to be addressed. I still have no way to resolve the fraud as I refused to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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