BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX accordance with the Fair Credit Reporting act 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

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 2023-03-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I noticed a while ago that a collection appeared on my credit report for the amount of XXXX. It is listed as " XXXX XXXX XXXX ''. It indicates the original creditor is " XXXX XXXX XXXX XXXX ''. And it indicates the account was opened on XXXX. I moved to Oregon in XX/XX/XXXX and bought XXXX insurance shortly after due to my insurance company being unable to keep me insured due to a ticket. My insurance that indicated they couldn't keep me in was XXXX. Prior to that, I had XXXX for years ( Since at least XXXX ). I actually was involved in a lawsuit that clearly was with XXXX in XXXX following an accident, which I was not at fault for. I am including documents that I found via my email showing my XXXX policy as early as XXXX and my last email from the XXXX which was in XXXX. This means this debt is falsely reporting to my credit that I owe them for a debt that was created in XXXX, and it is past the statute of limitations per WA law which indicates any written contract 6 years is the statute of limitations. However, insurance companies bill on a monthly basis. I simply changed insurance policies and chose not to continue with them, therefore, I will not for insurance I was not actively using and did not pay which resulted in a lapse- not a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Chime Financial Inc
State: FL
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:
Hello, On XX/XX/2022 at around XXXX XXXX  while I was at work, I received a notification that a {$400.00} atm withdrawal occurred from my chime debit card. The second I got the notification I locked my card on the chime app and then I got a second notification that another transaction of {$140.00} was attempted but could not go through due to me locking the card. I immediately called my bank chime and told them I did not authorize this transaction. In the midst of being on the phone I also verified that I still had my debit card. I spoke with XXXX at that time and she told me that she canceled my card and will be sending me a new one but that I had to wait until the transaction settled before I could dispute it. So I waited until Monday when the transaction finally settled and called Chime back and disputed the amount. Within a matter of hours they decided that the transaction was valid and that they were dismissing the case. Once I got that email that they were dismissing it, I called them back and they told me I had to supply evidence that could help support my rebuttal. Im not sure what information they needed so I wrote them a letter of what happened as they requested. They opened the case again then denied the case again same day. I sent them photos of how far the location was from me ( which is about 45 minutes away ) and they still denied my claim. I have most recently sent them my time card with my clock in and out hours proving I was at work at the time the transaction happened and they are still denying the claim. Theres no way I could have done this if I was at work. I can not be in 2 places at once. I never even been to the location the transaction happened. I have been trying to contact the owner but to no avail. My next step is to drive down there and see if I could get some footage of whoever was making a transaction at that time, but I should not have to be the one to do all of this investigation. A bank is supposed to protect my money and they are not. I just want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  XXXX # XXXX is a fraudulent account on my credit report. Lately they have been calling me in group phone calls and threatening to make me pay the debt, I am a victim of fraud with this account and I filed a report with the FBI # XXXX, I am being harassed by XXXX  XXXX representatives for an account that is not mine and should not be on my credit nor do I owe the debt.

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 2019-11-24
Company: Professional Recovery Management
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: Public record information inaccurate

Complaint:
XXXX XXXX, and XXXX are still reporting public records in which the court has responded that they do not report public records. The information reported is inaccurate and according to XXXX, they do not pair social security numbers but the credit bureaus do. The last four numbers of the person social are reported therefore the numbers can be matched to anyone. Fox Collections also closed the accounts listed under them, they reported fraudulent information and agreed to delete from all three credit reports within 30 days. Fox Collections is still reporting 1 account to XXXX and XXXX ... see CFPB report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CARCO Group, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was not notified of adverse action with company to have a chance to dispute the information. So I could get the job. This companies agents are rude. The never sent any information from XXXX to dispute the information.,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX Bankruptcy XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, Court/ US BKPT CT NJ XXXX XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Court/ Federal There is inconsistency furnished across the bureaus and incorrect dates.

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 2018-03-21
Company: Navient Solutions, LLC.
State: TN
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:
My federal students loans through Navient have been consolidated and with another provider since last year. They are all showing paid and closed. I have pulled my credit report months back and I have disputed late payments several times with Navient and they have NOT provided me with documentation to prove that the accounts were indeed late. The accounts are definitely old, paid and closed, but still affect my credit score! I have requested validation of late payment reporting and because the information that I have requested has not been granted, I am asking that these accounts please be removed from my credit report. I have XXXX Navient/Dept. of Education accounts reporting on my credit report which is excessive and not to mention detrimental to my credit health. I signed nothing stating that separate individual accounts would be reported on my credit report. I did not take out XXXX loans for college this deceitful, unethical behavior is wrong. These companies are supposed to be helping not hurting! On XX/XX/XXXX and XX/XX/XXXX Navient reported that I was late, this is unlikely.I constantly stayed in forbearance to not have them report to my credit, which I am very upset about because they NEVER offered any other program to assist me when I was in financial difficulty other than forbearance. I need proof of this erroneous reporting. I am requesting all these accounts be removed. Every time I speak with a customer service rep from Navient I get different responses to the accounts some say I was in forbearance or in school deferment and then another would say I was in repayment. The records are incorrect and the system in corrupt. Lastly, some of these accounts reporting are XXXX XXXX XXXX they need to be removed from my credit report. Something needs to be done to protect consumers. If these accounts are not removed, I will be taking legal actions to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have a Care Credit Account with Synchrony Bank, which I recently paid off. They sent me a new " Rewards Master Card '' with a ridiculous 26.99 % rate, which I do not want and did not approve. ( I only use the Care Credit card because it has an initial zero  interest on large medical purchases. ) When I called customer service to question this, it took me 20 minutes to get through to an actual person, even though the auto-bot kept saying " I understand you want to speak with a representative '' and then sending me elsewhere. When I finally got to speak with someone, I was told that I had been notified of this new card and agreed to it, which was not true. Then I was told to " just not activate it. '' I am concerned that someone at Synchrony Bank is meeting quotas by opening new accounts for existing customers and pretending they agreed to them. This was further strengthened by the fact that my significant other also received a new card from them and I know for a fact he did not order or agree to this ( he was a victim of identity theft, and there is supposed to be a hold on new credit for him. ) Please check into this, and inform Synchrony Bank that this is NOT ACCEPTABLE. My mailbox doesn't lock, and it alarms me that two credit cards were sent that we were not expecting at all.

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 2020-01-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I was approached by a XXXX employee at XXXX XXXX about a XXXX bonus offer for a new AMEX Gold Delta Skymiles credit card. I agreed to apply for the card on the spot at the airport, using one of the computer terminals available there for that purpose. AT NO TIME DURING THE APPLICATION PROCESS WAS I NOTIFIED THAT I WASN'T ELIGIBLE FOR THE WELCOME OFFER. The employee helping me did most of the application process. My only input was my social security number and my income. If the employee saw a message saying that I wasn't eligible for the offer, HE DID NOT SHARE THAT INFORMATION WITH ME. 

I would not have applied for this card if I had known I wasn't eligible to receive the bonus miles. I don't need any more credit cards! The entire process of soliciting people at the airport as they arrive tired from a flight, and getting then to use the airpot computers with the " help '' of an employee should be banned. I contacted AMEX, who said that I was notified during the application process that I would not qualify for the bonus miles offer and chose to proceed anyway. THAT IS A LIE! I WOULD NEVER HAVE CHOSEN TO CONTINUE WITH THE APPLICATION HAD I KNOWN THAT! THIS ENTIRE PROCESS IS MISLEADING AND FRAUDULENT. I WAS TAKEN ADVANTAGE OF AS A CONSUMER AND NOW I AM STUCK WITH A CREDIT CARD THAT HAS AN ANNUAL FEE OF {$95.00}. THIS IS ABSURD! SHAME ON AMERICAN EXPRESS FOR TAKING ADVANTAGE OF CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX//2022, I received and an alert on my credit from a company XXXX XXXX that sent my account to an outside collection agency XXXX XXXX. I paid the collection in full on XXXX/XXXX/2022. Per XXXX at XXXX XXXX. My account was charged off on XX/XX//2022. I paid {$840.00} and when I called them I spoke with a rep by the name of XXXX XXXX  and an supervisior by the name of XXXX @ XXXX both told me once the account was paid XXXX XXXX fail to notify them the account was paid in full and all I needed to do was dispute and they would have the account removed. Account number XXXX.. This is a violation of FCRA and FDCPA.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, XXXX XXXX XXXX XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2019, I paid {$2000.00} using my Bank of America account to pay for XXXX  XXXX XXXX tuition fee ( XXXX Bank ). 
In XX/XX/2019, I had to make a trip back to my country XXXX to renew my XXXX. At that time I was not so sure if my XXXX would be granted, so I can come back to the XXXX. I decided to close my Bank of America account before I left XXXX. 
In XXXX, my XXXX  got granted and I came back to XXXX and continue my school. At that time, my XXXX told me that I would not need the classes that I registered to be able to have enough credit to transfer. I took her advice and dropped the classes that I signed up. He told me the money would be refunded back to my bank account. And if my bank account was closed, the school would send me a check. 
It has been XXXX  months and I have not received any check or money from my school or Bank of America. I have made a complaint to them for the past XXXX  months. When I talked to Bank of America, they said they did not receive anything from my school. Then I went back to the school and talked to them, the school said they already made the transaction on XX/XX/2019. I went back to the bank and told them that the school made the transfer to the Bank of America XXXX XX/XX/2019. The Bank still said they have not received anything and definitely they can not receive anything because the bank account was closed. 
How can I get my money back because both Banks blame on each other.

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
Consumer complaint received 2019-11-24
Company: Immediate Credit Recovery
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is attempting to garnish my check for student loan debt I dont owe. They have not contacted me to check if its really me or to work out a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Atlantic Credit & Finance, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc.  Atlantic Credit and Finance , Inc.  alleges that court took judgement on their behalf on  X/XX/2010   , for which I was never requested to attend.

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 2020-01-10
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Titan receivables is the name that this collector has changed to from a different case called XXXX XXXX XXXX XXXX XXXX. He has added an amount of {$2100.00} from XXXX XXXX XXXX and now he calls it XXXX receivables. The file number matches XXXX and XXXX for a cost of {$2100.00} which is correct. Titan receivables is same account but with a fraudulent amount he has the same file number which makes my credit score in-depth XXXX plus dollars that is not supposed to be on my credit. The odd {$1800.00} it's from a case from 2012 bails bondsman that the statue of limitations is up and he changed the name to add it to my account anyway and put it under Titan receivables look at the file numbers they are the same except for he is fraudulently putting money on my credit that does not belong there

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, Application : XXXX was denied in violation of the The Equal Credit Opportunity Act ( ECOA ).

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 2020-01-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Once again, FedLoan Servicing has incorrectly calculated the number of payments I have made that count toward XXXX XXXX XXXX XXXX ( XXXX  ). I sent in my most recent XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Based on that XXXX, I have made XXXX qualifying payments. On XX/XX/XXXX, FedLoan found that I have indeed made XXXX qualifying payments. However, on XX/XX/XXXX, FedLoan found that I have only made XXXX qualifying payments. On XX/XX/XXXX, I called FedLoan and asked them to explain the discrepancy. I was told that FedLoan 's computer was counting wrong but they would fix it. Since this is a regular occurrence ( this is my XXXX complaint with CFPB dealing with FedLoan ), I doubt FedLoan will fix the problem. It is clear to me that FedLoan has extreme structural problems in calculating qualifying XXXX  payments. Moreover, it is clear FedLoan is unable to correct these problems. Please investigate. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX/XX/XX/XXXXIve disputed many times in all agencies the 120+ days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Several accounts are the result of identity theft.

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