BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX an account # XXXX with XXXX XXXX XXXX obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the Massachusetts XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to Transunion, XXXX, and XXXX who are still reporting fraudulent information on my credit file.

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 2023-01-13
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
One main has called me over 41 times within the last two weeks. They call me repeatedly at min 4 times a day. Different numbers are used. I have asked them not to call and they do. On XX/XX/XXXX I spoke with an agent for over 15 min. She tried to get me to make payment arrangements on a future XXXX payment. I told her I wasn't going to make XXXX payment until the XXXX of XXXX. They called me every day after they already had the payment date and tried to get me to change it/ argued with me, and was quite harrassing. I even told them I would file a compajnt and they still did it. They sent false baiting emails making it seem like I qualified for a new loan and ultimately did not. The ran my credit without my permission with those advertisements and I want those inquiries removed. I have proof of a credit payofff I have completed for them because they call too much and the reps are not even trained to be anything other than bill collectors. They didn't even notate the account about the payments I gave them dates for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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:
Im having an issue with Experian I sent out a letter explaining that you guys are violating my rights and I also gave a list of all the laws that you were violating against me and the response from Experian was they have verified all the accounts on my credit report and theyre all verified as correct and thats not what my dispute is about, My dispute is the fact that you are violating my rights and its been months and you have yet to remove and delete the accounts that I am requesting I never gave this company my permission to publish any of my personal information, furthermore In accordance with the Fair Credit Reporting Act Experian 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 in accurate.

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 2023-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
( XXXX XXXX : ) XXXX Balance : {$73.00} ( XXXX XXXX : ) XXXX Balance : {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ON XX/XX/14 XXXX I CALLED XXXX AND REQUESTED NAME AND ADDRESS CORRECTION. I SPOKE WITH XXXX DIFFERENT REPS AND WAS TOLD IT WAS COMPLETED AND WILL BE UPDATED IN XXXX HOURS. NO CHANGE HAS BEEN MADE AND I AM HAVING A HARD TIME OBTAINING HOUSING. 

THEY STATED IT WOULD BE FORWARED TO EQUIFAX AND XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: SC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-10
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage loan got transferred from XXXX XXXX XXXX to flagstar since XXXX XXXX XXXX. My mortgage is getting pay thru homeowners association funds. XXXX payment was forwarded to flagstar. They still havent apply XXXX or XXXX payment.

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 2022-12-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight due to their pilot strike. Chase said they would refund my flight due to XXXX cancelling because of the pilot strike. At first chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit and it would come as XXXX points. Which only has a cash value of {$670.00}. This is less than the travel I booked. I was also told this refund would come by XX/XX/2022. It has not. Can you please help me get my money back. They have been holding it up for three months now with no concern for my financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BTH Management
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today XX/XX/2023 - I received a letter in the mail from XXXX law office regarding plaza services llc debt in the amount owed of XXXX. 

I pulled my credit report and I found a collection account for plaza services but in the amount of XXXX. 

I reached out to the company via fax with a copy of the letter they sent to me, a screenshot of the debt on my credit that also states its been closed/charged off and a copy of my ssdi letter showing I am fully XXXX  and can not work via the state of XXXX. 

I also wrote a debt of forgiveness letter to XXXX who plaza services llc is collecting for and sent them a copy of this stillnan law office letter, my XXXX letter and a screenshot that they have the amount totally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I was trying to get a pre-approval letter for a car from XXXX XXXX. I confirmed with them twice if this will be a hard pull. They said no, we will do a soft pull and will only send it to the bank for a hard pull if they agree to issue the loan. 
I got hard inquiries checked by like 4 different banks - I was not made aware of this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Hard Inquiry XXXX XXXXXXXX XXXX - XXXX XXXXXXXX - Hard Inquiry XXXX XXXXXXXX XXXX - XXXX XXXX, XXXX - Hard Inquiry XX/XX/2023 - XXXXXXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX - Hard Inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX  - Hard Inquiry XX/XX/2023 - XXXX XXXX XXXX XXXX - Hard Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Velocity Portfolio Group
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:
Its a hospital bill that i was paying on and then was turned to collections. Never been notified didnt give my consent to publish the report or givin any time to pay. In XXXX month they wanted the whole amount when i was set on paying it at hospital. This whole thing is against the fair credit reporting act 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 explanation
Consumer complaint received 2023-01-12
Company: Blackhawk Network Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received this prepaid Mastercard as a gift in approximately XXXX and never opened it. I opened it on XX/XX/XXXX and though it has an expiration date of XX/XX/XXXX on the outside cover and the card, the card had a XXXX balance. 

I called the number listed on the card, XXXX, and I was told that the card had a XXXX balance. They referred me to another number XXXX and they told me that they have nothing to do with the account. 

All I know this was a sealed gift card that I opened today and the balance was apparently charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
XXXX and XXXX credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts XXXX XXXX being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm pist these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: USCB, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several letters from USCB America regarding a medical debt that was incurred by my adult stepson. He is currently XXXX XXXX XXXX and was XXXX at the time the bill was incurred. I received another letter from USCB last week and I called today, XX/XX/2023 and explained again that this is not my debt. The representative told me that I still owed the debt because he is on my health insurance. I told her that I did not sign anything guaranteeing this medical debt. I was not even at the hospital when my stepson was admitted. The representative told me that I am still responsible for the debt. I told her that I know that I am not responsible and I asked to dispute the debt again. I have already disputed the debt with them two other times. But they keep pursuing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Navient Solutions, LLC.
State: NY
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:
First I was decieved by the school I attended. When applying for the loans I was told that I could consolidate them, and take co signer off. I was told that the interest wouldn't vary much. I have been paying the loans to close to 20 years and the principal seems to never go down. As I continue to pay the priciple balance the company continues to raise the interest rates. They were no more than 4 % when I started and now they are up to 10 %. I have 10 years left on them and have paid {$85000.00} on a {$64000.00} and was given an estimate of {$120000.00} when finished. I've never missed a payment and never have been late. When I went to prison the cosigner asked for alternative to pay and they told her the only thing she could do was defer them. This company " Navient '' has been taken to court over the deceptive and predatory loan practices. They even settled a case back in XXXXXXXX XXXX XXXX which I don't qualify due to the fact that I haven't defaulted even though my school is on the list that does qualify me. I've tried talking to them about alternatives and removing the co signer but all I get is that it's not possible because they are private loans. Currently there is still a case against them by CGPB and I hope my complaint can help your cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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. 

Account name : 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/DEPT OF ED # XXXX, Account name : XXXX - XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have all 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 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 2023-04-11
Company: EQUIFAX, INC.
State: IL
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, 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 a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: U.S. BANCORP
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I entered into a merchant services agreement on XX/XX/ with XXXX, through an individual named XXXX XXXX who represented himself as part of a company called XXXX XXXX XXXX The agreement stipulated that termination must be completed using a form provided only by XXXX. I sent notice of termination of that agreement to XXXX XXXX on XX/XX/, which was acknowledged by reply email stating that he would send the termination form. The form was never sent. The agreement also stipulated that if it's terminated within 45 days of inception there will be no termination fees. Now that XXXX XXXX has XXXX the termination form past 45 days the termination fees will incur. It should be noted that I interacted with no other individuals beside XXXX XXXX and representatives from his company XXXX XXXX XXXX. I was never given contact information for XXXX or a company, XXXX XXXX XXXX, who has sent me a default notice threatening collection based on fees charged by the agreement that XXXX XXXX should've cancelled on XX/XX/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 monetary relief