BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: SYNCHRONY FINANCIAL
State: TX
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:
Received a text message about my credit card informing that I needed to " ( Call XXXX XXXX # ) XXXX-temporarily-locked-ID : XXXX '' Text was sent to cell number at XXXX XXXX XX/XX/2022 I had tried to log into my credit card account and it indicated my information was incorrect, it was not, I then called the credit card company ( different phone number ) and spoke with the representative who informed what I knew to be true about my account, the current balance, pending payments, available credit and that my account was in good standing and not locked..

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 2017-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX, XXXX XX/XX/XXXX Factual XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: MI
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:
Nothing but problems trying to dispute or follow-up on outdated or incorrect listings on my credit report, since XXXX. The website is down or broken half the time. They removed their 'Chat ' feature, where you could instantly converse with a licensed agent about problems with your report. Instant repetitious errors, when clicking into an incorrect item, telling you " sorry, but this has already been disputed. Can not investigate at this time '' nonsense. More than a dozen items found on my current report that are duplicated, outdated, or grossly incorrect, that I've been unable to update, because of their garbage website. Nobody is at the wheel. I've already filed three ( 3 ) separate, recent complaints against them, to the XXXX. And received the following email response - that I needed to " call the XXXX XXXX XXXX  XXXX. '' Which I did. And the SAME response - They couldn't help me. Nothing but ludicrous runaround. Well, I checked into this, and discovered there are several pending lawsuits against Experian for 'abandonment ' over their deliberate lack of follow-up with, or disregard for Consumer information/ concerns. 

You appear to be my last hope, in getting matters with my personal credit report, corrected/repaired. My score in XX/XX/XXXX was at XXXX. Now six ( 6 ) months later, it's at XXXX, because of these errors. 

Thank you in advance, for your assistance!

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: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
hello! This was Via zelle! I was scammed by two people claiming to be owners of apartments, at the time I didnt know you couldnt get money back from Zelle if you sent it. Which is a huge bummer. They kept telling me to send them money to see the place and they kept on bailing. I asked to get the money back and they kept telling me to send them more money in order to get money back that was already lost. They then kept telling me they would mail a check out. And they did! But it was fake. I have been struggling for a while ever since losing all of that money. I can barley afford my bills at this point and I dont know what to do to how to receiver all of the money lost. I really need help. Its been a big burden on me. I still have all information of the two individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been violated for almost 2 years, Equifax, XXXX, and XXXXXXXX XXXX XXXX refuse to remove a hard inquiry on my report. I continue to write letters to them and they still will not remove. I have never applied nor have an account with a XXXX XXXX. I demand a {$1000.00} violation for Equifax, XXXX, and XXXX for violating my rights under 15 USC 1681. inquiry date was XX/XX/2020. Again I have never applied for a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
THE FOLLOWING INFORMATION YOU GUYS HAVE ON FILE IS WRONG, PLEASE UDATE THIS INFORMATION ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fedloan Servicing is still reporting student loan account with a balance to all three major credit reporting agencies even though the account was transferred to another servicer and they are no longer Servicing any federal student loans. I initiated a dispute stating the account has a XXXX balance and should be reflected as closed and they did not respond properly. They had a remark added to my account that I disagreed with the result of the dispute. They failed to update the account balance to XXXX  and to update the account status as closed. The account was transferred to XXXX on XX/XX/2022 and they still have not corrected the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
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, PennyMac Loan Servicing, account XXXX, has violated my rights. 

15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681, SECTION 604 a SECTION 2 : It also states a consumer reporting agency cant furnish an account without written instructions.

15 USC 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 2017-04-26
Company: AES/PHEAA
State: VA
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:
After trying to get PSLF forgiveness and being denied ( complaint #  XXXX  ) FedLoan servicing recommended a payment plan that would have been more than {$150.00} per month than I was previously paying. I called them twice to complain and was told the first time that my payment would be adjusted down and to ex pect one payment period of forbearance to get onto the new payment schedule. Just before the scheduled payment was due, I logged into the FedLoan website and noted that the payment was still scheduled and no forbearance was issued. I called them immediately and they again told me not to worry about the payment and re-issued a forbearance ( verbally ) and let me know the rate would be adjusted downward. Two days later an automatic payment was taken out of my checking account for the unadjusted amount. This caused an overdraft on my checking account. I tried twice to get this situation straightened out and their actions re sulted in an overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Bridgecrest Acceptance Corporation
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:
Ive been making payments towards my car loan. Recently my co signer declared bankruptcy and my loan company stopped reporting my payments to the credit bureaus. So Im making payments and they are not reporting them. I will keep filing complaints until this is back on my credit report. I spoke with a lawyer and what their doing is illegal according to him. If I have to take further legal action I will. I want my payments and history being reported. I am the buyer and the one making these payments they need to report that.

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: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Block, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I sent this to cash app I just copied and pasted it And I need to appeal the decision that I authorizedthe transaction for {$250.00} because I did not authorize it nor did my husband $ XXXX XXXX XXXX Because my husband did not authorize it neither did I we do NOT KNOW WHO OR WHO THIS BUSINESS IS that's y we believe an error occurred because we r the only 2 with access to the tablet, besides the one that got stolen {$250.00} to XXXX but when I first did it they had a different name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-12-09
Company: OneMain Finance Corporation
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with ONE MAIN FINANCIAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with ONE MAIN FINANCIAL for reviewing of any sort. 
ONE MAIN FINANCIAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or 3 ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
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 XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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: GOLDMAN SACHS BANK USA
State: HI
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:
Hi CFPB, I am having a large issue with my Apple Credit Card.

I have had the card roughly a year. 

I have, and have always used, the full auto payment feature of the card. 

Each month I get statements. 

I have XXXX problems of varying severity : 1. If you add up the new charges on the statements, they do not add up to the amount they say it does 2. if you add up the online transactions they also do not match the statement amount 3. they say I am revolving a $ XXXX balance month to month but I am on full auto pay and can confirm each month it is set to pay the full balance. Even after a month of paying the full balance, they charge me another $ XXXX. It doesnt make any sense. 

4. when I texted them about it, they admitted it was broken, forwarded me to a manager and then the manager said that it is what it is. When I called about it they just hung up on me. Something is wrong. I am a very kind and polite person and this doesn't make any sense. I never was rude or yelled or was expressing my frustration I don't understand why they are treating me this way. 

something is seriously wrong with the apple credit card accounting and I am worried it is costing me hundreds of dollars because of their bug, and nobody in the support teams, not managers, not front line has any answer for it. 

I have more documentation I can upload but it says it has a XXXX limit, happy to upload any and all data : including statements, screenshots, call logs with support, text logs with support. 
I reached out to XXXX XXXX times across chat and phone, each time resulting in either " it is what it is '' or just straight up hanging up on me. which is odd bc nobody was rude, usually if people hang up on you they are rude to you, they just say oh ok I see your statements, then hang up. something is wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Almost every day for the last month or so I have been getting repeat calls from this number or blocked numbers. I was able to verify that I do not own any debt with them. The callers are extremely rude and prone to use foul language. I live in XXXX and they are looking for some XXXX from another state. 

Portfolio recovery associates XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am registering a complaint against The XXXX XXXX XXXX, which owns Synchrony Bank ( SB ) and its subdivision Home DesignXXXX/Synchrony Bank as they put my name and Social Security Number, on an account that I never applied for or consented to open. 
On XX/XX/XXXX when my husband became ill, I found a bill from Synchrony Bank ( SB ) and called them immediately asking why my name was on this bill and asking for any documentation ( written, oral, or verbal ) that they could share with me, as while I am old, I had no recollection of ever opening an account with this bank. After numerous calls I was told I had to pay them, because this was an old account and I should have known that my SSN was being used. So, I again requested any documentation they had on how this account had been set-up. On XX/XX/XXXX I realized Synchrony Bank ( SB ) was on my credit report affecting my credit scores. I called SB to again request a copy of the documentation committing me to a loan agreement. After 6 calls, I was told that to obtain the origination files a written request had to be submitted on forms they would mail. In XX/XX/XXXX the bank had disappeared from 3 credit rating sites. On XX/XX/XXXX, I submitted the required dispute forms. I was told on XX/XX/XXXX that they would respond in 90 days. On XX/XX/XXXX the bank mailed a letter seeking payment. On XX/XX/XXXX I called 4-times and was told that SB did not have the origination files, as they were generated by XXXX XXXX , from XXXX XXXX XXXX XXXXXXXX , a partner of Home DesignXXXX/Synchrony Bank. I was also told that my request had been forwarded to the Fraud Solutions Team. On XX/XX/XXXX, SB sent a letter closing the account, & notifying credit bureaus etc. On XX/XX/XXXX, Synchrony Bank was back on my credit report, as delinquent, making it difficult for me to borrow the funds needed for urgent home repairs. This banking institution is using pressure tactics to make me pay on an account I never opened.

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