BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
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: Their investigation did not fix an error on your report

Complaint:
just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It was revealed to me through my credit report that this charge is inaccurate. I did not authorize this account. I would like this account immediately removed from my XXXX report. 

Account Number XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the of the consumer. 

I would like this account to be removed from my credit profile.

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 2022-04-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was notified on XX/XX/22 via my credit monitoring service that an inquiry was performed via Experian, for a credit card issued by XXXX XXXX XXXXXXXX. I have not applied for credit with XXXX, so knew at that moment that I was the victim of identity theft. I attempted to access my credit file online ( www.experian.com/disputes ) to file a dispute for the inquiry. Upon entering my information ( name, social security, DOB, address ), I received an error message stating that " Experian was unable to properly identify me from the information provided ''. I called Experian today, XX/XX/22 and was able to successfully place both a freeze and fraud alert on my account, via the automated phone system. I then spoke with an agent who was able to open a dispute for the XXXX inquiry. The rep then transferred me to the person who supposed to fix my online access, so that I could log into the account online to look for additional errors. The agent stated " that my account had been inactive. She would delete the inactive account and I can create a NEW account ''. I questioned her several times on whether or not I'd be able to create it, since the system was not recognizing the data points that I was entering ( social, DOB, address, etc ). She reiterated that I would have no problems creating a NEW account for online access. I created a NEW account and upon entering my information, I got a message that " my password cannont contain my email address '' - which it DIDNT! I then had the option to upload several pieces of documents to confirm my identity. I uploaded my government issued driver 's license, and current bank statement confirming my address. I then received another " error message '', stating " we were unable to upload your documents successfully '', and a mailing address was provided to mail my documents. I called Experian back and NOW I'm unable to actually get a live person to assist me. As the consumer who is now the victim of identity theft, I should not have to JUMP THROUGH HOOPS to access my account online, to check for inaccuracies! I need someone at Experian, who actually KNOWS WHAT THEY'RE DOING, to fix the issue that's preventing me from logging into my account online, to view my credit report and submit disputes, as necessary.

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 2022-09-23
Company: Early Warning Services, LLC
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have made several claims between XXXX and Zelle. XXXX continues to tell me to go outside of them BUT they are my bank. Zelle has not yet reached back out to me. This is in the amount of {$730.00}. I have not had a resolution since XXXX XX/XX/25. Please assist in anyway possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Both of my parents died in XXXX. They were Citibank customers for decades and had XXXX checking accounts and a savings account at the time of their deaths. I called the bank and was forwarded to the estates department where I was told what papers to submit to be able to close the accounts and collect the remaining funds. 
Closing the checking accounts was not an issue but, 4 months after submitting my paperwork, the savings account is still open and I havent been able to collect the money held in it. 
I sent the first package containing the death certificates, proof of executorship, etc. in XXXX ( XXXX ) via certified mail. It was received on XX/XX/XXXX and I have the return receipt to prove it. After hearing nothing for XXXX weeks, I called and was told the packet was lost and Id have to submit it again. The second time I faxed it and was told the information had been entered into the system by XX/XX/XXXX and it would take XXXX weeks to receive a check. Its been almost XXXX weeks and no check has arrived. 
This is maddening! I have no complaint against the representatives who answer the phone. The problem is structural. The phone reps are polite but powerless to do anything. They keep saying the back office is behind and they dont know when the check will be written. Asking to speak to a supervisor or someone from the back office gets me nowhere. Apparently, they dont talk directly to the public.

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 2022-12-04
Company: SYNCHRONY FINANCIAL
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
issue is regarding CareCredit a charge taking out of my account on XX/XX/XXXX I received My statement I was alarmed when I saw the charge was for {$500.00} I use this card for my doctors appointment every visit is {$250.00} I have been using my careCredit card at my doctors office since XX/XX/XXXX And if I look back into my statement charge is always {$250.00} I have it set up to automatically comes out of my bank account every month So I never have to pay interest for my visit I called XX/XX/XXXX but XXXX XXXX Never had an exact reason and many excuses When I asked to talk to a manager he said he can refund it Unprofessional And concerning

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 2022-12-20
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX  in XXXX to lease an apartment. I paid a deposit and decided after walking the property that it was inadequate. I asked XXXX to return half of the deposit which I was owed by law. They refused so I filed a dispute with my credit card company ( XXXX XXXX ). 

Eventually they return my deposit, and a check was cut from their billing company from XXXX XXXX XXXX XXXX XXXX. in the amount of {$200.00}. I cashed this check with my bank and then called my credit card company to release the funds, in full, back to XXXX. 

This dispute has been resolved ; however, I received a call from Rent Recovery Solutions stating that XXXX did not receive payment from my credit card company. 

I asked the rep to verify the debt and did not receive a debt verification letter. The representative told me she did not receive my paperwork that showed copies of the correspondence from my credit card company, bank, and a copy of the check XXXX sent to me which I cashed. I sent the paperwork via XXXX  with a signature required. It shows as signed and delivered. 

Previously, before dealing with Rent Recovery Solutions, I dealt with XXXX 's billing company for 4 months ( XXXX - XX/XX/2022 ), with endless calls asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Dear CFPB : I appreciate that an entity like yours exists to help protect citizens against large corporations and entities that oftentimes disregard the individual consumer. Navient is one such entity in my experience.

Like many in this dire predicament, my student loan has ballooned to unmanageable levels with burdensome increases that effectively drown my future financial wellbeing. 

It's been like this for years, and during that time I have spoken often to Navient ( previously named Sallie Mae ) about options. During these conversations through the years, I was pushed, pointed and steered toward Forbearance rather than Income Based Repayment more often than not.

Why? Because, simply put, Forbearance is very much to Navient 's advantage, while Income Based Repayment - also known as Income Driven Repayment or IDR - in stark contrast is to the consumer 's ( mine ), since IDR allows for a consumer to have their loan forgiven 20 years after enrolling in such a program if they keep up with minimum payments ( even if {$0.00}. ) Hence, Navient defaulted to promoting THEIR self-interest in the form of Forbearance without disclosing all options in full to me. This occurred for years and years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX I filed a request with Experian to remove an account that was over 10 years old and closed which was a XXXX Credit Card that was closed in XXXX. They didn't do that because I filed a dispute showing that my credit report showed the account was closed in XXXX and they did delete it, but! They also show a XXXX  that was updated in XXXX which is still showing it will stay on my record until XXXX. This is NOT a credit card, it is simply Experian 's incorrectly making it look like we had a second XXXX  credit card, which we did NOT! My late wife and I had only 1 Credit card with XXXX  which was closed in XXXX. We did have a 2nd Mortgage on our home in XXXX but it was paid off and closed when we sold the house and moved to TX. This second account showing is not a credit card, it is a reflecting the fact I filed a dispute and Experian made it look like a credit card IT IS NOT! It should be deleted, there is no credit card, they should call XXXX  and confirm and then delete the listing in my credit report because it is in ERROR! 
Experian is refusing to delete this entry in my credit history, it is in error!

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 2023-09-12
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Related to COMPLAINT ID : XXXX The company 's response was again - IRRELEVANT, because it does not address the security issue. It does not adress the issue of insecure user agreement that the company requires everyone to accept without warning how insecure it is, and the possible financial damage to individual that it carries. Even though response is irrelevant, it is further uses future date for me providing account " On XX/XX/2026 ''. This response further shows how insecure the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: LA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/2022 I sent out a cease and desist letter to stop all communication, a debt validation letter requesting to verify the debt from Westlake Financial. I did not receive any response for the requested information. I also sent in a right of recession, I am exercising my right of recession pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as I was never told I had 3 days to rescind the transaction, nor was I given the notices that come along with all consumer credit transactions. I am rescinding the transaction, and rescinding my signature endorsement. 

My second attempt was on XXXX XXXX. I sent out the same letters as before and no response. Westlake Financial is in violation of auto theft. On XX/XX/XXXX Westlake Financial stole my vehicle not adhering to the previous documents, cease and desist, method of verification, notice of recession and special power of attorney. I sent my letters as certified mail but I never received my return receipt.

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 2022-07-29
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, 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 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 2022-04-25
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:
I was provided false information about the program XXXXXXXX XXXX XXXXXXXX XXXX XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX resort in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.

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 2022-07-03
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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. 

Account # XXXX XXXX XXXX XXXX  {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a deposit of {$6400.00} from XXXX XXXX into my TD Business Bank account ending in XXXX, at the time the account was in a negative balance of {$680.00}, I notified the bank I paid off the negative balance when the deposit entered the account on XX/XX/2022. I notified the bank I was currently on vacation in XXXX XXXX and I would need the remaining balance immediately, while doing so TD Advised me I would need to wait for 24-48 before I would be able to pick up the remaining balance from a TD Bank Branch located in XXXX XXXX XXXX XXXX As of today XX/XX/2022, that time period has lapsed, I am now being told I can not receive the remaining balance until after XX/XX/2022 doing so would put me in serious financial and personal situations which I told TD Bank repetitively XXXX I really need my money as soon as possible which is why I have XXXX direct deposit the {$6400.00} into my TD Bank account so I can use the money immediately. As of XX/XX/2022, I have had to sleep in my car without gas, no food, no way to purchase a flight or purchase my XXXX XXXX Every time I contact TD Bank I am told I must wait for another 24-48 hours and another and another. There is currently no solution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

Company response to consumer: Closed with non-monetary relief