BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I submitted a payment on XX/XX/XXXX of {$300.00} which was later rejected. I was in the process of transitioning banks, so I reached out on XX/XX/XXXX as soon as I realized what happened and paid the {$300.00} immediately. I spoke with them via email to explain what happened. I had been a member since XXXX, and I was always on time with my payments. They waived the fee and the payment posted on XX/XX/XXXX. Today, XX/XX/XXXX I was notified by my bank that my Care Credit account had been closed. I looked through my email, as well as my Care Credit online account for a letter notifying me of an account closure and found nothing. I called Care Credit and was told that I missed a payment back in XX/XX/XXXX of {$93.00}. I explained that I made a payment on XX/XX/XXXX, one day before the payment due date of XX/XX/XXXX. I was told the payment was rejected because since the bill due date was a Saturday, it wouldn't be processed until the following Monday, therefore making it late and that it should have been submitted on XX/XX/XXXX. I received no message back then indicating this would be considered a late payment or to submit at an earlier date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was paying off my credit card debt while employed with the military in 2000. When I got out of the military, I could not find work and could not pay the debt. I recently tried to pay the original debt off of {$1200.00} but now the amount has tripled to {$5800.00}. This debt is now 11 years old and should be removed from my credit 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 2022-06-26
Company: EQUIFAX, INC.
State: CO
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:
Three Fed loans that have been paid and closed are reporting outdated information. I sent a request on XX/XX/2022 to remove the outdated two year history - its over SEVEN YEARS OLD. 

I got a response that it was " verified '' - It may be verified but its outdated and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is inaccuate information in my credit report. This agency has not resolved the issues and therefore is not in compliance with FCRA laws.

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 2022-06-26
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Discover banking froze my account on XX/XX/XXXX due to unusual activity. As of XX/XX/XXXX I have spent a total of 20 hours on hold with there security team which hangs up after a 3 hour hold time. Upon finally reaching someone I was directed to a manger who had a terrible phone connection and offered to call me back. That was 5 hours ago and no call back has been attempted. I have an entire paycheck ( {$4400.00} ) tied up by this company who are impossible to contact to regain account access. Currently they are putting myself and others at risk for unplayable bills due to being uncontactable for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In Accordance with the fair credit reporting act XX/XX/XXXX account numbers # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX bank, XXXX & XXXX account # XXXX Dept of educationXXXX XXXX account # XXXX Violated my rights. 

Usbk court middle Florida # XXXX 15USC 1681 Section 602A States I have the right to privacy. 

15ISC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction

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 2022-04-24
Company: NAVY FEDERAL CREDIT UNION
State: MI
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:
NAVY FCU ( Finance ) is reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: Experian Information Solutions Inc.
State: FL
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 BANK Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer 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 explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: SC
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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: EQUIFAX, INC.
State: FL
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 has violated my rights. 

15 U.S.C 1681 Section 602A, states i have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Post Lake Lending Inc.
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was denied a loan of XXXX dollars on XXXX XXXX XXXX  XXXX  for rent I was getting paid Friday I informed them I didn't need it Friday I needed it wednesday they said sorry we can't I said ok bye I got the money I needed later that morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 has violated my rights. 

15 U.S.C 1681 Section 602A, states i have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, 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 2022-08-21
Company: Experian Information Solutions Inc.
State: AR
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended a for-profit school named XXXX XXXX XXXX part of the XXXX XXXX XXXX XXXX 
Recently the CFPB won a lawsuit against Navient/Sallie Mae regarding the predatory private loans that the students attending my college were forced into signing. I was one of those members and had to endure Sallie Mae/Navient hounding me for 9 years. In XXXX, a mere year and a half before the settlement that CFPB won, I finally was able to convince XXXX XXXX to scoop up my private loan away from Navient and drastically reduce my interest rate. I paid Navient over {$10000.00} in interest and barely touched the principal amount because of how high it was. XXXX XXXX took on my loan in late XXXX and now everyone that continued to endure Navient until XXXX had their private loans taken care of and relieved. I am furious that it took 9 years for me to get away from this company, and now because I was not psychic and could not know that Navient would lose this lawsuit and compensate back those that they bullied, Im still paying off that predatory loan at a slightly nicer interest ratebut it still exists nonetheless. It absolutely needs to be amended that those that broke away from Sallie Mae should still have some kind of compensation for the amount that they paid or for what we had to endure. Thank you for your time. Feel free to contact me regarding the matter at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XX/XX/XXXXXXXX XXXX XXXX ( original creditor XX/XX/XXXX ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX Bank ( hard inquiry ), XXXX XX/XX/XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-09-20
Company: EQUIFAX, INC.
State: UT
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 notice XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
A XXXX  XXXX XXXX credit card appears in my credit report and does not belong to me. 
the account belongs to someone who has my same birthday and almost same name I have already obtained a police report and an affidavit of identity theft victim which I will be happy to submit to you Other items have been removed from my credit report who belong to the same person of the XXXX  XXXX XXXX credit card. 

I contacted XXXX  XXXX XXXX and they couldn't help me. 

Please assist me so XXXX  XXXX XXXX stops reporting such credit card in my credit report thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
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:
I did not consent to authorize nor benefit from the following account ( s ) Block and Remove!

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 2022-06-26
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:
I did not consent to authorize nor benefit from the following account ( s ) Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I am received funds of a business transaction for materials. I immediately deposited the check into my business account it was Friday. The company contacted me via messenger to check if the funds were available. Sidebar this check was sent viaXX/XX/XXXX. The funds wasnt available on a Monday I immediately contacted the bank as to inquire about the check and why was it taking so long to clear. The representative said a letter will be mailed out about the Check. I immediately asked what was the problem. I came to understand something was wrong. I was concerned, this was my business account my livelihood. I received a letter stating the check was being held for clearance. I immediately the company that distributed the check. They didnt answer me from that day til this one. The bank froze my account, charged me for monthly charges. I wasnt able to mange or produce business thru my account. The only way I found this out was I signed onto the account and it says XXXX dollars. I immediately call the bank to gain a greater understanding. I was treated like a criminal, what the bank wanted to take out on the company that sent that check to me they totally took out on me. My civil rights were violated. I again I reach out to the bank, I was sent to the fraud department, I explained to them I havent been contacted by the bank and my account isnt accessible to me. I learned not only was the check frozen but so was my account. The representative got in touch with the back office. A XXXX XXXX XXXX was very very rude and she beat around the bush very bad. I asked about my accessibility and can I deposit money into my business account. I was told yes and then no. At the end of the call I was told to go to the bank to retrieve my cash. I went and was totally embarrassed. I sat in that bank not being helped until closing. XXXX XXXX looked away from me the whole time never attempted to call anyone just had me sit she took my license and the paperwork that I have to her but told me that she couldnt help me. Thus was the second time I went and the same thing happened except this time I was asked to leave because there was nothing that could be done and they were leaving for the evening. I have lost a lot of money and business behind this very rude interaction. Im in debt today because of this and my two business are in jeopardy. When I walked in the bank I was looked at as a joke.XX/XX/XXXX+++ shouldnt be treated like this because I identify myself as myself. I was so humiliated! As am entrepreneur Im at a lost of words as an minority. I never thought I would experience something so mean here in New Jersey. This bank dont take likely to my kind and Im truly offended. I also had the liberty of speaking to XXXX XXXX XXXX and I still dont know why she called me its meaningless. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: AL
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 am victim of identity theft, XXXX XXXX and XXXX XXXX  has fraudulent accounts on my credit report that needs to be remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26
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:
I did not consent to authorize nor benefit from the following account ( s ) Block and Remove!

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 2022-06-26
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/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