BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019, I was a victim of credit card fraud. My cards were used while I was at an adult establishment and charged for outrageous amounts with outrageous gratuity amounts added on to the purchases without my authorization. A police report was filed against the merchant and an affidavit stating I did not authorize those purchase and the handwriting on the receipts are forged were submitted to American Express as evidence. The total in charges on two of my american express cards was over {$70000.00}. On multiple occasions the American Express fraud team told me in writing that the fraud case for these charges was closed in my favor and I would not be responsible for any of the charges. However, out of the over {$70000.00} in fraudulent charges American express only credited my account {$13000.00} and now states that I will be responsible for the remaining balance. American Express states that because I was present at the time the cards were being used it can not be considered fraud which is contradictory to Florida Statute 817.61, which states " A person who, with intent to defraud the issuer or a person or organization providing money, goods, services, or anything else of value or any other person, uses, for the purpose of obtaining money, goods, services, or anything else of value, a credit card obtained or retained in violation of this part or a credit card which he or she knows is forged, or who obtains money, goods, services, or anything else of value by representing, without the consent of the cardholder, that he or she is the holder of a specified card or by representing that he or she is the holder of a card and such card has not in fact been issued violates this section. '' Nowhere in the statute does it say that the cardholder must not be present for fraud to occur. The fact that the charges were made without my knowledge and the receipts were forged is more than sufficient for these charges to be considered as fraud. In addition to the fact that these receipts were forged, all of the charges occurred after the legal operating hours for an adult establishment in XXXX XXXX County and documentation of such was also provided to American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I 've had my loans serviced with Navient since they spun off from  XXXX   XXXX , my original loan provider.     On Sunday,  XXXX / XXXX /  XXXX  , I submitted my monthly payment of {$530.00} for m y 5 l oans. On Monday,  XXXX / XXXX /  XXXX  , I calle d Navient to see about paying extra on one spe  cific loan ( a   service I 've only recently been offere d ). I was told that, yes, I could pay on just one loan, and that all of the money paid would be applied to principal. I was assured this   before, but I 'm re-doubling my efforts to get out of debt, and so I wanted to try again with the new site option to pay down principal on my specific, highest-interest loan.     I paid {$100.00} on this loan on Monday,  XXXX / XXXX /  XXXX  .     Today, Tuesday  XXXX / XXXX /  XXXX  , I log i nto Navient to see how my payment was processed after I see from my bank that both the {$530.00} paym ent submitted on  XXXX  and the {$100.00} submitted on  XXXX  were cleared on  XXXX .     I see that, instead of going fully to principal, they 've applied {$3.00} of the {$100.00} to interest, which a ) is NOT what the representative said, and b ) makes even less sense, as both payments went through on the same day (  XXXX / XXXX /  XXXX   ). If both payments are withdrawn at the same time, it makes no sense that there would be additional interest to pay.     This is flat-out typical of this company, who offered only forbearance with capitalized interest when I could not meet interest-only payments  for two  years after graduation from  XXXX   XXXX   XXXX    ( the  school who steered me towards  XXXX   XXXX , the initial lender ). I 'd attempted to pay additional towards my loans in the past and had the same sort of misrepresentation ; at least now I 'm able to determine which specific loan to pay down first. That option was not available before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: CA
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 is reporting accounts on my consumer report that I have not validated being that I am the original creditor and also they fail to comply with the laws and FCRA. 
It has cause extreme harm to me not being able to get the credit that is due to me and I am extremely exhausted mentally! You have 5 days after receiving this complaint to remove these accounts from my consumer report. 

The agency is in violation Pursuant to 15 USC 1692g. They were to notify me 5 days prior, I was not. I am the original creditor. I do not validate this debt. With that being said, the following accounts must be deleted from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my consumer report will result in further actions being taken against your company ; I will also be in pursuit of {$1000.00} per violation for : -Defamation -Violation of 15 U.S.C 1692g -Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. I received a letter from my employer informing me that there was a breach in our database and my info was stolen as well as many others. This debt is not mine please stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX, hired XXXX XXXX XXXX XXXX XXXX XXXX, to dispute inaccurate and or fraudulent accounts on all credit reporting bureaus. As of XX/XX/XXXX, I pulled a credit report to show progress XXXX XXXX XXXX attempted. Accounts in question had not been removed only closed, no account accuracy, contracts, account transactions received, from third party debt collect XXXX XXXX, XXXX. Account was sold XX/XX/XXXX from Synchrony Bank, formerly kmow as XXXX XXXX XXXX Bank. Currently, XXXX XXXX XXXX, sent a 'Alias Summons requesting demand of XXXX. 

On at least 4 attempts, credit bureaus, Synchrony Bank ( change of name in XX/XX/XXXX ) and XXXX XXXX XXXX, were contacted to valid account accuracy due to severe identity theft, XXXX XXXX XXXX, has violated the Fair Debit Collection Protections Act ( FDCPA ) that prohibits debt collectors from from using unfair, deceptive, and or abusive when collecting comsumer debts.

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 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the letter last XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THESE FOLLOWING ACCOUNTS that are still reporting on my account : LATE.CLOSED AM XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX  XXXX - Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX - Balance $ XXXX Opened : XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: IN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ACEPTANCENOW XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$550.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I reached out to this company on several occasions with reference to the said account advising that this is NOT my account and if it is indeed my account the please validate and send me supporting information. This was not done. It shows on my credit reports and is adversely affecting me. While the account was updated as being PAID it was not removed. I told this Collections Company that this is not my account and I never received a call, mail or any notification that this was an attempt to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/20 I paid {$17.00} for a forehead thermometer never received, never shipped despite phone tracking # given to me & several other ebay buyers. Paypal refused to process refund, so I cancelled claim to enable me to file ebay buyer protection claim. 
Paypal violated policy by refusing to release claim to ebay in a fraudulent attempt to deny me right to file that claim which ebay had processed successfully for those other buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: GA
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:
There are four accounts on my credit report that doesn't belong to me. There is n way for me to verify what those accounts are because there are no account numbers attached to the accounts. Not only that, the accounts are all seven years old. The last activity date on all of the accounts are XX/XX/XXXX. The accounts I am referring to are as follows : State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX State Of Michigan # XXXX Opened XX/XX/XXXX All of these accounts are over 7years old. None of them have a proper account number attached to them in order for them to be verified. I have no idea who these accounts belong to. They are illegally being updated every 2 years in order to remain on the credit report. These accounts need to be properly verified before they are put on 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 2021-11-19
Company: EQUIFAX, INC.
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:
I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I, the consumer asked for the XXXX XXXX XXXX to verify the information that they claim is accurate by providing proof of evidence ; documentation from the creditor claiming that I owe an alleged debt. The XXXX XXXX XXXX has failed to send me proof of documentation as required by the Fair Credit Reporting act. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) which comprehensibly states that the only permissible purpose of consumer reports by any consumer reporting agency XXXX furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer who it relates. I, the consumer gave written instructions as to what I wanted removed from my report due to fraud, inaccurate information and violations of my rights.

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 2022-08-04
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
For some years I had been a member of XXXX and in the fall of last year it was acquired by PNC bank. Part of the information mailed out to me was that I would get a new card among other things for my account, which never happened. As this was a secondary account I had just in case I needed a local bank I didn't think much of it as I didn't need daily access to the account. Fast forward to this summer after I've moved and imagine my shock when I start getting forwarded mail that my bank account has been emptied due to service charges and paper statement fees. My account at BBVA had no minimum balance required to avoid service charges, nor was it set up to send me paper statements. It's awfully predatory to acquire a bank that provides free checking and then switch all those customers over to a product that requires a non-trivial balance and then start stealing their money without sending explicitly worded letters and an easy way for them to close their accounts. The best part now is I can't even easily access the small pittance of money PNC has left me because after calling them on XX/XX/XXXX they somehow can't give me access to my account and now I'm left in limbo waiting to hear from them before I can take any further steps. I don't want to, nor have I ever wanted to bank with PNC, at this point I just want them to return the money they have stolen from me ( it's disingenuous to call this anything other than theft when they actively pursued and acquired a bank with no minimum balance and then switch everyone over to paying service charges without any other easy option ) and close my account. I fear without making this complaint I will keep getting the run around ( they couldn't even get my access to my account when I called ) and they will try to hide behind the fact that they sent out generalized mass mailers when the acquisition of BBVA occurred despite this mass mailers having little, if any directly actionable information ( how can I log into my PNC account without the PIN or debit card they said they would send? ).

Let me reiterate, the average banker expects their accounts to stay the same even through an acquisition, not to suddenly start being charged fees that weren't even a possibility when they first signed up for the account. How this is considered an acceptable or legal practice to acquire smaller banks and start fleecing it's customers for thousands is unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2019-08-26
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with NELNET LOAN SERVICES. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET LOAN SERVICES with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 Days Late in XXXX, XXXX, XXXX, and XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
I AM A UNITED STATES HUMAN AND I HAVE RIGHTS UNDER15 USC 1681 EQUIFAX IS GOVERN BY 15 USC 1681 AND MY RIGHTS HAVE BEEN VIOLATED NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX PERMISSION TO FURNISH THESE ACCOUNTS CREDITOR-WOW EQUIMENTS DATES- XXXX XXXX AMOUNT- {$250.00} ACTION- I EXPLAINTED THIS IS NOT MINE CREDITOR- XXXX  XXXX XXXX XXXX XXXX AMOUNT- {$600.00} AND {$140.00} ACTION- COLLECTIONS CREDITOR-XXXX XXXXXXXX XXXX XXXX AMOUNT- {$760.00} ACTION- SOLD DEBT TO BUYER CREDITOR- XXXX XXXXXXXX XXXX XXXX XXXX AMOUNT- {$440.00} ACTION - SOLD DEBT TO BUYER

Company response to consumer: Closed with explanation