BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) Missouri XXXX XXXX XXXX   {$2600.00}, XXXX 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXXXXXX {$0.00}, ( 6 ) XXXX XXXX XXXXXXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please 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 explanation
Consumer complaint received 2022-12-08
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily since XXXX. They had left over 30 messages in 30 days on my answering machine.

Navient is using an automated system with a message and will hang up. The calls primarily come in between XXXX and XXXX in the evenings everyday. 

Recently, they have been using a third party to make the phone calls and connect to Navient. When this happens, the caller ID will state that it is a Spam Risk and will not leave a message. 

I have been making steady payments since XXXX and still they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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 called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/AIDVANTAGE is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2022-12-08
Company: HOME BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
the bank withdrew their monthly fee causing my account to become overdrawn

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Heritage Financial Group, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My sister lease a car with a XXXX XXXX And they tell me the my license was going to use only to take the car out of the lot The I not was a co signed so now I was checking my credit score and now the car show the is on my name. 
I tell the them I got a loan already for my truck the I'm paying the i can't have another loan and they check my credit like 20 time with out ask me and they don't want to take my name out of that car I didn't buy that car I'm frustrated because I'm trying to fixes my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a dispute for {$40.00} atm charge that was taken out of my chime checking account on XX/XX/XXXX. I tried to take out money but never received the funds. Im reaching out because I need those funds asap and still havent received it back yet my case number for the dispute is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: PNC Bank N.A.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX to PNC Bank effective XX/XX/XXXX. I received multiple letters about this. One letter said that the automatic payments I had set up with XXXX would transfer to PNC. On XX/XX/XXXX I called PNC because I was concerned my payment had not come out of my account yet. The person I spoke with told me that the auto withdrawal info had not transferred and that letter was an error but not to worry I would not be charged a late fee I could make a payment online for XXXX which I did. A payment of {$2100.00} came out of my checking account on XX/XX/XXXX. This was from the automatic payment I had with XXXX that I was told would NOT occur. On XX/XX/XXXX a second payment came out of my account for {$1800.00}. This was the payment I set up because I was told the other debit would not happen. I spoke with them today ( XX/XX/XXXX ) and had them cancel the auto payments that I had set up with XXXX. They said nothing would debit from my account in XXXX because I had ( without my consent ) made two payments in XXXX. Is this legal? An expected {$2100.00} out of my account is more than problematic for me and I'm sure any other people it happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON XXXX AND XXXX. EXPERIAN REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. XXXX HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES EXPERIAN. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. XXXX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - EXPERIAN MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. XXXX HAS NEVER INVESTIGATED THIS ITEM. EXPERIAN HAS NEVER INVESTIGATED THIS ITEM. XXXX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, EXPERIAN XXXX XX/XX/XXXX AND XXXX XXXX POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.

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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Wednesday, XX/XX/XXXX, I contacted someone through XXXX about XXXX basketball tickets, 4 for {$200.00}. Somehow money was taken out of my Chase bank account through XXXX and sent to this person. Then, I never received tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a XXXX XXXX ( XXXX ). 
I took out federal loans ( XXXX ) to attend XXXX University XXXX XXXX. 
Navient refinanced my federal loans into private ones on or around XX/XX/XXXX, which would be made them ineligible for a loan forgiveness program announced by President Biden. I have contacted Navient for a refund. I should get a refund because I am a XXXX XXXX under the PSLF Waiver and one of the individuals covered under the {$1.00} XXXX Settlement With Student Loan Servicer Navient who has not received relief. I continued to pay my loans all through the Covid-19 pandemic. The response I continue to get from Navient is that, at the moment, we do not have any additional details on the forgiveness program. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act SANTANDER CONSUMER USA Account : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Early Warning Services, LLC
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX, XXXX 2021 I have send the payment through the XXXX  for XXXX  XXXX XXXX Mobile app. This was the rent payment I did 5 last years. But at this time the landlord didn't receive the amount of {$1500.00} because the other person was enrolled under his cell number to XXXX. I filled the dispute to XXXX  XXXX XXXX and they declined my requests to return money. But the money was send to completely wrong person and I didn/t know about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had and have credit freezes on the XXXX credit bureaus accounts. There was a fraudulent request from Capital One for a credit card on XX/XX/06. 
There was no effort by me to allow the credit check by Capital One on the XXXX, XXXX, and XXXX sites. The accounts were " frozen. " Yet, all three bureaus while the accounts were on freeze status released my data. The card 's limit was almost maximized within a few weeks. Capital One has closed the account due to suspicious and abnormal activity. 
They have been almost impossible to get a real fraud investigation started to verify this crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
NAVY FEDERAL CREDIT UNION used unfair and deceptive practices to remove {$23000.00} from my checking account. NAVY FEDERAL CREDIT UNION has reported by way of team members in their charge-off department that these funds were taken from my account for three charged off accounts. NAVY FEDERAL CREDIT UNION reported to me that a credit card 's debt was charged off on XX/XX/2017 ; a Checking Line of credit was charged off XX/XX/2017 ; a Personal Expense Loan was charged off XX/XX/2017. Each item that NAVY FEDERAL CREDIT UNION alleges is charged off debt is over XXXX and a half years beyond its charge-off date. As well, I have requested the 1099 C for each but have not been given such. Also, how can NAVY FEDERAL CREDIT UNION collect debts that are beyond the statue of limitations? NAVY FEDERAL CREDIT UNION took money that was not theirs to take and I qualify that as stealing in my faith based system. NAVY FEDERAL CREDIT UNION has not operated in good faith towards me as a consumer by stealing the funds from my checking account. At the time the funds were taken, the account had no negative balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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:
EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 explanation
Consumer complaint received 2022-06-09
Company: SYNCHRONY FINANCIAL
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
Care Credit account. Duplicate charge {$75.00} 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 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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 called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX. The alleged creditor XXXX XXXX  is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information.

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2022-12-08
Company: HOME BANCSHARES, INC.
State: TX
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:
Between XX/XX/XXXX and XXXX XXXX charged our account {$21000.00}. We contacted XXXX XXXX XXXX on the XXXX while many were still pending. We were told that the charges would be reversed and funds back in our account the next week. Yesterday, the bank said they could not do anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: DISCOVER BANK
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: Public record information inaccurate

Complaint:
The Company Discover.iT placed a Fraudulent hard inquire after signing up for there Pre Qualification check ( With No Harm To Credit ) option Available to the Public. I was Not approved but Still have the Hard inquirer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation