BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did NOT protect my identity and my personal information once the company realized it experienced a major hack. The hack happened in XXXX XXXX ; the company reportedly found out in XXXX XXXX ; the company did NOT notify me or anyone else that they, or I, experienced the hack. It did nothing to protect me or any other consumers during this time. To find out in news in XXXX XXXX, 2-4 months after major security leak occurred, the company has breached its duty to consumers. This is unforgivable when identities of > 100 million people are at stake and caused lifelong repercussions of this irresponsible act. The first act of being hacked is a shame, however, as custodian of sensitive and critical information of people 's lives, the company betrayed the trust of its consumers when it severely delayed notifying consumers of the hack. Equifax demonstrated itself as unethical, negligent and irresponsible. The company must and should pay for its deliberate act of omission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Amsher Collection Services, 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 XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Synchrony Bank closed my Paypal master card on XX/XX/XXXX without notice. I received a letter a few days later stating that the account, as well as two other credit cards that I had with Synchrony, were closed due to me being high risk, At the time that the Paypal XXXX card was closed, I had cash back rewards of {$260.00}. This amount is confirmed on the statement that I received on XX/XX/XXXX. However, there is no way for me to redeem these rewards. I called customer service. Neither the representative nor the supervisors were able to help. They simply stated that the cashback rewards were forfeited and that they would not be credited to me. 

This is an unfair to me. The bank earned money from me using the credit card and should pay me the cashback rewards that I earned.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Act XXXX XXXX XXXX Acct # 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 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 non-monetary relief
Consumer complaint received 2022-06-19
Company: Experian Information Solutions Inc.
State: MA
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 communication is to put you on notice that you are furnishing inaccurate and incorrect information to my consumer report. The reporting of such inaccurate information has caused severe damage to my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. 

It is not my responsibility to make sure you are in compliance with the Fair Credit Reporting Act, however it is my responsibility to make sure every item is reporting to my consumer report accurately so that my credit report is equitable to me. So take notice! I am not asking you to verify the validity of this debt. After reviewing 7 CFR 1956.54 the code of federal regulations defines a charge off as he writing off of a debt and termination of collection activity without release of personal liability. THIS MEANS YOU MUST CEASE ALL COLLECTION ACTIVITY. I came across a recent IRS publication on the IRS website in which the IRS defines a charge off a gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following account inaccurate! 

XXXX XXXX XXXX XXXXXXXX XXXX account # - 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 2017-09-30
Company: STERLING JEWELERS, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Inaccurate amount of debt owe reporting consumer changed debt owed amount several times since account closed .That 's fraud, no contract, not liable for amount reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: LEXISNEXIS
State: GA
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:
I recently obtained a letter from the United States Bankruptcy Court XXXX XXXX of Georgia that they do not provide information to consumer credit reporting agencies and data furnishers. Lexis Nexis is in violation of 15 USC 1681 A 4, they infringed upon my federally protected consumers right to privacy, they violated also because of permissible purposes 15 USC 1681 B, and Lexis Nexis did not obtain my written instructions or affidavit to furnish this consumer report. Lastly, Lexis Nexis is also in violation of 15 USC 1681 A-E, I obtained a letter from the United States Bankruptcy Court XXXX XXXX XXXX Georgia stating that they do not provide my personal information to 3rd parties therefore Lexis Nexis is unable to do a consumer investigation to verify this alleged Bankruptcy. I am not a lawyer and I am outraged by the blatent disrespect of my privacy rights according to the Graham Leach Bliley Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per Equifax data breech they have advised me that I am a victim of stolen vital data, and from that Equifax allowed all of my personal financial and credit history including my date of birth and social security numbers and all personal credit information banking, credit cards, loans and mortgage information that was provided to secure credit to be compromised and information was stolen from their agency causing me a lifetime possibility of identity fraud. I have currently put a freeze from any third party Lifted credit history, so long as thieves do not crash into these agencies database once again and unlock my freeze. They need to protect myself and others for life from potential identity theft, and not through their complaint but instead through XXXX and XXXX best service that they can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX credit card charged off my account on XX/XX/2017. The card was secured for {$200.00}, and I had an additional overage of XXXX. On XX/XX/2017, I made a payment of {$120.00}. On XXXX XXXX, I contacted the company and spoke with XXXX, who informed me that the company will continue to report my account as charged off rather than closed and paid in full, even though they admit that I do not owe them any further money, as they used my security deposit to satisfy the purchases I made, and I paid all over the limit fees. XXXX further informed me that it is the policy of the company to report inaccurate information to credit bureaus unless and until the information is disputed.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  ACCOUNT # : XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED ACCOUNT # : XXXX US DEP ED ACCOUNT # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX ACCOUNT XXXX : XXXX US DEPT ED has violated my rights 15 U.S.C. 1681 Section 602 A. states I have a 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.

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 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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

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 2017-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The recent Equifax hack has stated I 've possibly been effected. I 'm upset with the time it took for this company to relay important information to the public regarding the hack. Seems like some insider trading was being done as well if the stories online are true about CEO 's selling off their stock before informing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
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:
Let this be seen as yet another of what I hope are the near Millions of complaints over the breach with Equifax. If data of a customer is lost it is imperative for the company to inform those who are affected, as it is FAILURE ON THEIR PART. Furthermore they should be held to an ethical standard of dealing with their transgressions against the individuals affected. 

At this time I can not check on my status due to the fear that I would then loose my opportunity to defend myself if it becomes a legal matter. I will now be required to take time out of my personal schedule, to ensure that my privacy is safe, and the earnings of my labors are secure. 

For the sake of the many people affected. Hold Equifax responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
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:
I have sent several disputes and verification request. The credit Bureaus have failed to respond in a timely manner, they have also failed to correct the mistakes. There are several accounts that are reporting different information to each Credit Bureau. I have brought these items to the attention of each Credit Bureau and requested that the inaccurate information be removed from my credit report. To day they have failed to make the necessary changes. 

XXXX Acct # XXXX has a different date of last of activity for each Bureau XX/XX/XXXX but Experian XX/XX/XXXX and date of last activity is XX/XX/XXXX The account is also showing as never disputed when in fact it has been disputed several times. Account shows a different high balance for each Bureau/// this account is inaccurate and needs to be removed from my credit profile. it is also over the statute of limitations. 

XXXX acct # XXXX has a different date of last activity reporting to each Credit Bureau/ XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX and XX/XX/XXXX for XXXX date of XXXX payment is different for each Credit Bureau also reporting an inacurrate high balance / Claims dispute were resolved when never investigated or provided results XXXX Account # XXXX reporting inaccurate information on my credit report // and should be removed different date of last activity to each Bureau different date of last payment XXXXeported to each credit bureau date of last payment different for each Bureau XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX activity is inaccurate reporting different information to each credit bureau date reported is different for each credit Bureau collection account showing 90days late XXXX times with no 30 or 60 days late reporting a high balance of XXXX to Experian which means nothing should be owed XXXX/ acct # XXXX date of last activity is inaccurate experian XX/XX/XXXX XXXX collection account showing late this XXXXs inaccurate high balance of 0 to Experian and {$140.00} to XXXX XXXX XXXX acct # XXXX shows a different high balance to each Credit Bureau date of last activity is different for each Bureau XXXX XX/XX/XXXX Experian XX/XX/XXXX and XXXX XX/XX/XXXX date of last activity is different for each credit Bureau

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 2022-01-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo sent me a text explaining my account had been used in Texas. Wells Fargo called me and gave me steps to prevent money from leaving my account. I check the source of the text and phone call all were from Wells Fargo. I followed the steps as I had done before and every penny out of my account was liquidated. I have cited the Electronic Exchange Act has prevented me from suffering loss due to this type of event where a bank defrauds their customers. They sent me a letter stating I had authorized the transactions which is incorrect. I followed the instructions of Wells Fargo to secure my account from a active threat.

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 2022-01-18
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:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : Identity Theft XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXXXX**** XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 : 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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:
Equifax did not disclose a hack in which my personal information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan which is now serviced by Navient. I have a problem with the way they apply my monthly payment. I am a responsible borrower, I am current with my loan, I have no real trouble making my payment. However - I like to pay a little more than the minimum each month in order to pay down the principal. Navient makes it hard, or nearly impossible, to do this. 

The company has an easy way for borrowers to go online to make a payment each month, however there is nothing in the payment process that allows borrowers to repay a little more in order to shorten the term of the loan, and the amount of interest paid. 

Every other type of financing - mortgage, car loan, even a loan I received to buy a new mattress allows for a little overpayment, which is applied to the principal. 

Navient deliberately does not allow this to happen. This is a blatant attempt to XXXX over the borrowers, and drag out the loan term and increase the amount of interest they pay. This is not fair. Many student loan borrowers likely have no idea how to shorten the term of the loan, and Navient capitalizes on this unawareness. 

For many, a student loan is the first type of loan they receive. Assuming they are able to make their monthly payment, Navient traps them with a slick website which tells them exactly how much to pay so that the loan gets paid out over the longest possible period and Navient sucks every penny of interest out of them. Yes, Navient is a business, but they could at least provide a means for their borrowers to pay a little more. This wo n't cost Navient that much, because most people ca n't pay any more than the minimum anyway. 

The federal government backs many, if not all, of the loans Navient profits from. The fed government should, therefore, force Navient to apply the same truth-in-lending principals that mortgage lenders do.

Company response to consumer: Closed with explanation