BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
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:
As I am looking at my consumer report. I see that Experian has not only failed to do an accurate investigation but they have also not responded to my request of method of verification that I asked for regarding accounts : XXXX XXXX XXXX XXXX XXXX XXXX : Date Opened : XXXX XXXX  Current Status : Open : XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX is reporting a 30, 60, 90, and ND ( No data for this period ) delinquency late payment ( s ) 4. Creditor Name : XXXX XXXX XXXX Account Number : # XXXXDate of First Delinquency : XX/XX/XXXX Amount : {$0.00} It is being considered a charge off XXXX. Creditor Name : XXXX XXXX XXXX Account Number : # XXXXDate of First Delinquency : UNKOWN Amount : {$60.00} It is being considered a 30 Days delinquent. XXXX. XXXX. XXXX XXXX XXXX : # XXXX Date opened : XX/XX/XXXX Current Status : Closed. {$5000.00} written off. XXXX XXXX 90-day late payment, XXXX XXXX CHARGE OFF, XXXX XXXX CHARGE OFF, XXXX XXXX  30 day late payment, XXXXXXXX XXXX 60 day late payment, XXXX XXXX 30 day late payment, XXXX XXXX 60 day late payment. Not only did I request that but they did not warn me ahead of time that they were going to report this and I did not give them written or expressed consent to do so. They are violating my consumer rights and SO MANY levels. They are failing to accurately report information on my consumer report and everything that is inaccurate will now be listed and shown since they did not do their job. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life. Below are the damages done by not having correct information on my consumer report. Below are the damages done by not having correct information on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account 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 so they didn't follow the proper 5 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 rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-19
Company: EQUIFAX, INC.
State: NC
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:
The following accounts are violating my consumer rights. Pursuant to 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. The following accounts are opened ended credit plans and shall be updated the to show as 100 % paid on time 1. XXXX XXXX  Account XXXX : XXXX 2. XXXX XXXX  Account XXXX : XXXX 3. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: AES/PHEAA
State: AZ
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:
My federal student loans are currently being handled by FedLoan Servicing and are about to be transferred to XXXX. 

In XX/XX/2022, I made a final payment on my loans and received notice that they had been paid in full. In XX/XX/2022 I determined that I would like the final payment refunded as is my right under the CARES Act, thus I submitted a request for a full refund of my final payment in the amount of {$11000.00}. 

This refund was processed and I can now see the principal balance of {$11000.00} as expected, however there is an additional charge of {$65.00} in outstanding interest. There was no outstanding interest at the time of my final payment, and given the federal pause on assessing interest on student loans is still in effect, this charge is illegal. 

I called customer service to inquire, they looked into it and informed me the interest had been assessed prior to the pandemic. This is false. I requested all of my records from FedLoan Servicing via a FOIA request several months ago, and these records clearly indicate that there was *no outstanding interest* on my account when the pause went into effect. My account clearly indicated that there was no outstanding interest when I made the final payment. Furthermore I did receive and have a copy of my letter from Fedloan Servicing that my loans had been paid in full as of the final XXXX payment in the amount of {>= $1,000,000}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: ALLY FINANCIAL INC.
State: MA
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:
This past week Ally Bank seems to have been hit with a string of fraudulent activity as there is significant activity on the internet users are calling out specifically ally. My account with ally is one of those impacted by fraudulent charges from XXXX XXXX XXXX and XXXX XXXX. Requested to chat with a customer service agent who 14 hours later at XXXX ( while I was sleeping ) finally responded with unhelpful information. Trying to get ahold of someone to discuss this fraudulent activity is absolutely painful and ally has been radio silence. Ally YOU need to be more proactive around these efforts and transparent, this is killer to any aspect of trust I have with you and my financial future.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 mailed in a order to reinvestigate my credit report for the following items and have not received anything back in the last 45 days According to Consumer Law, These agencies are required to complete investigations within 30 days or the items MUST be removed. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX***************XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2022-08-22
Company: Lendmark Financial Services
State: WV
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 in conjunction with Lendmark keeps reporting that all info which is never provided to me the consumer is acceptable and accurate. 
As XX/XX/XXXX XXXX opened up the Lendmark account which is charged off and is ex husband 's account to make it appear as an active auto loan. Lendmark will not make.payment arrangements for specific dates, will not give balance owed which has received XXXX dollars and XXXX dollars in XXXX and XXXX, which is charged off after it was a judgement and paid on, which still has an incredible increasing amount because they will not supply balance, give receipts or bills, or and were not even sure if they could accept money because it was closed but that has not stopped XXXX in conjunction with Lendmark from reporting major discrepancies such as loan amount, saying it was open account, and now messing up my payment history by saying a payment is late when indeed there IS NO payment date set in stone and the consumer has no clue balance owed or if it is even supposed to get payments to it because Lendmark will not produce info. 
Also in XXXX I got divorced. The ex never showed up or responded to divorce but Lendmark accepted his word I had to pay and judge said so. The ex took the car. Lendmark refuses to go after ex XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX unless he calls in because he is pretty much exempt due to a fictious letter. This needs fixed. It is not an open account. It is charged off. It is not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Upon reviewing my credit profile, I noticed three inquiries on my Transunion credit report that I do not recognize. The three inquiries are as follows : XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 2022-06-23
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
What is this? I never received any communication from the collection agency, and as you can see, there isn't even an account number listed. How could they possibly have taken steps in making sure they were putting this on the right report? I want it removed immediately!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Sometime in XX/XX/2022, a new American Express credit card account was opened in my name without my knowledge or authorization. The opening appeared on all three of my credit reports. 

My wife and I both assumed it had to be by a fraudulent actor, but when we contacted American Express ( more than an hour on the phone talking to more than 5 individuals ), they finally admitted that the account was opened in my name because my wife requested I be added to her EXISTING account. No one informed my wife that a new account was going to be opened. She would have refused if they had. 

Neither my wife nor I authorized a new account in my name yet it appeared on MY credit reports. American Express acted like that's the way they do it and they see no problem opening a new account without authorization from the individual whose credit report will reflect the new account. They further implied that they would not even check to see if maybe my wife and I were divorced ( we are not ). They would be happy to let an ex-spouse create a new account in the other 's name and run up charges against that person and there is nothing the person can do about it. 

I did finally get American Express to close the account on XXXX XXXX, but now the opening and closing of a new {$20000.00} credit limit appears on my reports forever. Actually, I will have to pay money to get new reports to verify that the closing actually took place. 

I thought I had frozen/locked all three of my credit reports but that's another issue I have to look into. 

I suspect American Express employees are being pressured to open lots of new accounts without telling the account holders. Same thing XXXX XXXX was doing some years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello. I handed in my XXXX application and FedLoan received it on XX/XX/2022. I have been waiting for appropriate communications from them as to what to do next. I decided to contact them XX/XX/2022. They wrote back on XX/XX/2022 stating that I needed to hand in the first page of the application again. This is ridiculous due to the fact that the completed application was received on XX/XX/2022. They received updated employment verification forms on XX/XX/2022. I refaxed the first page of the application on XX/XX/2022 dated from XX/XX/2022. FedLoan does not contact me and has me waiting without proper instructions. There are others who have received forgiveness before me due to their poor management of my application. I have been working for not-for-profit employment sites over 11 years. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past five years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the XXXX credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that American Express has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with American Express. I'm confident that there is an enormous amount of egregious violations with my credit card statements with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had Checking account with Citi with balance of {$15000.00}. Suspecting fraud activity, citi closed my account and not refunding my money back. There was no proper investigation done by citi and never reached out to me for clarifications. Its my hard earned money which I transffered from my XXXX XXXX account to citi. I have bank statemnets to show. 
When I first contacted Citi fraud departmen, they informed me that I will recieve my check of refund amount on my mailing address in 60 days, now after 2 months they informing that money wont be returned. 
Its really frustating to fight for own money and citi made decision without consulting me.I want to file complaint against citi for not refunding my money. 
I can provide bank statements from my XXXX  ( source ) to destination citi.

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 2023-09-04
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
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:
My credit report is still showing late payments on XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
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:
To Whom It May Concern I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give them written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681.

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 : Is where it states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation