BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian My First & Last name are as follows : XXXX XXXX or XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, fo names and addresses other that what I have listed above and below be removed immediately as thoseill are not accurate and untrue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are clearly misspelled and are not correct XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX Also these address are not reporting 100 % accurate information on my credit report. I have one name and one address. This is clearly a sign of identity theft which I am currently trying to stop. 
If you allow these bogus names and addresses you are making it easier for these people stealing identities to be able to open stolen accounts in my name. I have disputed these previously and have received no results. So if I don't get results this time I will be going to the XXXX  And other respected services with the violation in the FCRA and will expect further results. 
After you have completed my request, please send me a copy of my credit report reflecting these

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 2023-10-03
Company: SLM CORPORATION
State: AP
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loans with Sallie Mae have 2 fixed interest rates at 11.750 % and one variable rate that has now reached 14.875 %. I am currently in school trying to avoid the $ XXXX monthly repayment because I can not afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I took initiative to start working on my credit and noticed on or about XX/XX/XXXX that there was a debt collection from Vance and Huffman LLC on behalf of XXXX XXXX reflecting on my credit report. Unsure of the process and what was going on exactly, I began to dispute this with the credit bureaus. After attempting these disputes and talking with an XXXX representative where I explained the circumstances we were able to to determine that I am indeed a victim of identity theft. I did not authorize the purchase or opening of an account and believe that someone from my neighbor did so without my knowledge. I am currently working with the collection agency to resolve this issue.The account was opened in SC on or about XXXX per the agency and the address on file is the address for my grandparents home which is the family home and well known to the community. I have never used that address in my adult life and have been living in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
CFPB + Equifax + XXXX + XXXX, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Statements from you and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - copy of my drivers license - copy of my social security card - copy of my address - copy of the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
HYUNDAI CAPITAL AMERICA obtained a copy of my XXXX credit report on XX/XX/22 without my consent or permission. I have no relationship with them nor have I applied for any credit products from them.

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 2022-09-19
Company: Klarna AB
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Order number # XXXX from XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections to XXXX XXXX. 

We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 2022-06-24
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sates Attorney XXXX XXXX suggested I contact you. I have no idea if you can help us but I certainly hope you can. 

My Mom, XXXX XXXX, is XXXX XXXX XXXX and she has a mortgage. Since the inception of her mortgage she has continually paid her own property taxes and house insurance separate from her mortgage. About XXXX  years ago ( although I just recently found out about this ), Around XXXX of 2019, Mr Cooper bought my Mothers mortgage and we began paying them. She has an approx.. {$84000.00} mortgage at 2.65 %. She has always paid her own property taxes and house insurance separately. 

She has never missed any payments. 

Somehow Mr Cooper is stating they paid her property taxes and house insurance, even though she did all along, and that she owes them approximately {$11000.00} in penalties and fees. I contacted them and they are adamant about these fees even though every month her actual mortgage payment was around {$700.00} she paid them {$820.00} a month. 

This seem very predatory to me. She can not afford an attorney and we desperately need your help. Her property taxes around $ XXXX, Her house insurance is $ XXXX and Mr Cooper is telling me she needs {$9600.00} in equity. This is just wrong on multiple levels. 


Her address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX PIN : XXXX The mortgage company is : Mr. Cooper XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tx XXXX Phone : XXXX Account Number : XXXX It seems they are trying to take her house and we really need your assistance. 


We ( Mr Cooper and I ) have been going back and forth on this and they sent me ( for my Mom a letter, PDF attached.. 

For XXXX  years. Mr Cooper did not claim her Senior Citizens discount so theyh overpaid her taxes by ~ {$4000.00} which I feel Mr Cooper owes my Mom. Please let me know if you can help. 

Thank You for Your Time XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: TX
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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, I was given a fraudulent electronic check by an individual I was selling furniture too. On XX/XX/XXXX, I received {$2300.00} as a check and deposited it using Chase mobile app. The amount requested was {$1100.00} however the buyer said they were given this check in this amount as a relocation bonus from work and I can deduct the XXXX and return the rest once the check is deposited. On XX/XX/2022, I noticed the money was available in my balance at around XXXX. The buyer had reached out asking for the rest of their money. I first called Chase bank in XXXX, PA and spoke to an employee of the bank to confirm the money was available and that the check had cleared. I was told the check was cleared and that the money was good to use. I then proceeded and sent the remainder of the money to the buyer using XXXX through chase app. Later that day, around XXXX, I noticed the money was deducted from my account and when I called Chase , they said the issuers account was frozen from the other bank. The transaction turned out to be fraudulent. I called numerous times and spoke with many supervisors and explained the situation. The said that because I used XXXX, I submitted the transaction and Chase can not reimburse me. The claim was denied. I called many times again to have them understand that the issue was from Chase and not XXXX. I called Chase to get confirmation that the check was cleared and I was told it was. I would have never sent money through XXXX if I was told that the check was not fully cleared, that I should l wait. But I was given the green light which ended up with me losing {$1200.00}. After endless calls, the last claims manager understood they made a mistake but said they could not do anything about it. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
For my Application # XXXX for a checking and savings account, Citizens bank emailed me an approval letter ( attached ) and subsequently and without notice locked me out of online banking. Upon calling in and being thrice transferred and a 35:00 minute wait time ( in aggregate ) I spoke to a supervisor who said a letter was mailed that my accounts had been closed. 

I was unable to reach resolution with the said supervisor to have my new checking and savings account property open and activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions Inc.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 an account without my written instructions. 

15 U.S.C. 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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 2020-06-19
Company: SYNCHRONY FINANCIAL
State: CA
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:
I am making a complaint against XXXX XXXX XXXX, I never received the card in the mail and there are unauthorized fraud transactions on the account. I also provided an affidavit to synchrony bank regardint it, but they are making me laible to pay for all those fraud transactions. 

Where is their 0 % Liability promise? Why they are making me liable to pay for the transactions I never did? 

I never received the card in the mail and they got to understand this. 

I will have to go to court to solve this problem.

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 2018-11-29
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the past due balance to the City of XXXX and the account is still showing up as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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:
This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.

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 2022-06-24
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:
This account is inaccurate and an FCRA violation. XXXX  # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification.

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 2022-11-26
Company: WELLS FARGO & COMPANY
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
repeated phone call s Everday day an eve hour an weekends

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 2023-07-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2021-03-23
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
There is a fraud charge on my account as of XX/XX/2021 for {$7.00} from XXXX. I have called several time to get this handled. This charge is absolutely fraudulent. Way 2 Go card company is stating, they dont have reason to believe this charge is fraudulent because the information I provided doesnt add up. If one plus one dont equal two, I dont know what to tell them. I am beyond livid with the process and the service of this company. I have no reason to call in and close my card and go through all this XXXX service for XXXX dollars and XXXX XXXX cents, if it was not fraudulent. Who ever you all have as investigators they did not do their due diligence. Im a mother of XXXX and I just lost my mom and I wasted over 4 hours today alone, explaining to different representatives that this charge is not mines and I would like my money back. I called several times before and every encounter has been horrible with hours of my time wasted. The first time I called the representative told me I couldnt even flag the charge until it posted which was ridiculous. Im not sure how their process works but this all started with someone charging my account {$0.00}. and a {$15.00} and then it was supposedly refunded per the representative and I noticed the Kroger charge because representative went over the transactions. 
Overall I just want my money back. This company needs to be reported to the XXXX XXXX XXXX. There is no way Im just going to be okay with this company saying that this is my charge and I know XXXX well I didnt do this. There is not even a XXXX in my area. Basically every representative I spoke with from XXXX and XXXX both stated once the decision is made there is nothing you can do. 
So my concern is that this customer service is soo poor that just because you guys didnt do what you needed to do to protect my account Im just suppose to accept fraud on my account? I will take this to the highest extent possible to get my money back. I know they have done this to someone else and they take you through the ringer just so you want continue to fight for whats yours but I would like to have my money back and the corporate office information

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 : It also 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.

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 2022-06-24
Company: Nelson Cruz & Associates LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Identity theft has affected me. I've been stuck at home due to the Corona Virus Pandemic, which has me concerned. I recently saw news reports regarding numerous XXXX data breaches. When I went to check my credit reports from the three major credit agencies, I discovered that my identity had been stolen. I don't know how the theft happened. Additionally, I am not aware of any suspicions. Identity theft did not cause me to receive any cash, products, or services. I spoke with the credit bureau, who advised me to report an identity theft, which I am currently doing. I value the work you put into solving this problem. Many thanks. If you do, kindly let me know.

Company response to consumer: Closed with explanation