BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : USDOEXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report . Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
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 is missing that should be on the report

Complaint:
I received a letter from XXXX XXXX, ( Furnisher ), stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, ( FCRA 623 ( b ) ( 1 ), this item must be deleted from my 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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
My personal private info was leaked in the Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CITIZENS BANK - Continues to steel consumer money and trying to get away with sticking me the consumer with a collection agencies fine for an accounting error that they causes. This is related to CFPB complain - XXXX-XXXX that was closed without proper resolution. 

The letter we received from Citizens does not contain the correct account of what happened and we are still missing money. In XX/XX/XXXX, XXXX was paid out from our escrow account to the school district. The school district never received that payment and therefore we were turned into a collection agency. On XX/XX/XXXX, a personal check was sent to the collection agency for the amount of XXXX, which was XXXX in face tax and XXXX in penalties, costs, and commissions. That is XXXX of extra fees that never should have incurred because the original amount of XXXX was lost either by the school district or Citizens. On XX/XX/XXXX, we received a refund from Citizens in the amount of XXXX, with no explanation to why this wasn't covering the full amount we paid in XX/XX/XXXX of XXXX. I did not receive a letter from citizens until today XX/XX/XXXX in the mail, which has incorrect information as I stated above. We are missing XXXX in reimbursement from the personal check we sent in XX/XX/XXXX. In addition, we need to be refunded XXXX for the penalties that we paid for late taxes because either Citizens or the school district lost the original payment. Citizens customer service on this matter have been sorely lacking. We have been dealing with this issue since XX/XX/XXXX and everytime we spoke to someone, we were told XXXX thing only for citizens to do something else. We should have never had to pay the tax collection agency as we had been in contact with citizens for the prior 2 months, trying to explain that we had a bill. 

Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: SYNCHRONY FINANCIAL
State: MI
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:
I have been in constant contact with SYNC / Care Credit and informed them to please send me documentation that I signed a contract to pay them. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. 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 2022-07-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I filed a complaint via mail on XX/XX/XXXX they should had received it XX/XX/XXXX certified and no response I would like to heard back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: AL
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 A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM 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 2017-08-17
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A relative used my social security number without any Identification for medical help. I disputed this collection 6 months ago and it was deleted from all three credit bureaus. Medical Data Systems has once again added the same collection to 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 2022-07-08
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
The threatening letters these agencies send out are just wrong and very scary, I do not appreciate being threatened to be thrown in jail or having my things taken from me. I also do not appreciate being threatened to have my wages garnished especially when I live in a non wage garnishing state, and to be threatened that they will call my job and friends and family to discuss my debt should be punishable. I do not see how they can get away with threatening people like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KS
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:
Without any knowledge of my own, Equifax took a laissez faire approach to protecting my confidential information. Due to their inability to follow industry standards in regards to cyber security, my personal information is in the hands of strangers. This behavior is reckless, dangerous, and requires accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
They said they removed the loan from my account but its still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with Experian and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I received two credit alerts on XX/XX/XXXX from XXXX XXXX XXXX and Discover. Both indicated that they had received a new inquiry on my credit report. They fraudulently used my full name, address for application to XXXX XXXX XXXX for XXXX XXXX XXXX. 

I have since contacted XXXX and XXXX  XXXX XXXX. I spoke to personnel at XXXX XXXX XXXX and XXXX, instituted a security freeze with XXXX. I also spoke to XXXX  XXXX XXXX personnel who indicated they would terminate the application. 

Your assistance with this issue is greatly appreciated. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have XXXX accounts reporting on my credit reports with inaccurate information regarding date of last activity and payment history. Accounts are as follow : XXXX  XXXX XXXX ( XXXX seperate accounts ) XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Aldous & Associates, PLLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A couple months ago I got a phone call from a debt collection agency saying that I owed over {$2000.00}, a rediculously high claim, and that if I didnt pay it off my credit score would be negatively affected. The collection agent then began pressuring me to give him bank and credit card information to resolve this amount immediately over the phone. I was not told I could dispute the debt claim or that I had 30 days to do so. I was repeatedly pressured to give out personal information even after telling the collector I would not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I booked a flight for ( 14 ) people from XXXX to XXXX leaving on the morning of XX/XX/XXXX with XXXX XXXX. The charges were {$940.00} from XXXX, {$310.00} from XXXX, and {$240.00} from XXXX. The airline charges were then charged to my card in ( 12 ) {$100.00} increments and ( 2 ) {$120.00} increments by XXXX XXXX on the week of the XX/XX/XXXX. 

We were to spend a half day in XXXX, then a full day in XXXX, then another half day in XXXX, before heading back to XXXX on XX/XX/XXXX. I purchased the tickets and paid in full with my Chase Sapphire Preferred credit card. 

On XX/XX/XXXX, the airline sent emails saying all of the tickets were " Exchanged '', and the flights had been moved to XX/XX/XXXX, and the returning flight moved to the morning of XX/XX/XXXX. ( leaving about 8 hours from XXXX  to XXXX in XXXX XXXX. 

I contacted the airline, and have multiple emails trying to work out the problems. For 2 months they told me that they would give a full refund, that they were processing the refund, etc. and then cut off all communication. 

I contacted Chase in late XX/XX/XXXX and asked for a chargeback, as I had paid for the entire trip with my Chase credit card. Everything was moving correctly, I submitted the emails, XXXX refund policy, and the regulations on changes greater than 24 hours, and the agent on the phone said the chargeback was temporarily approved ( pending a final judgment ). They called back in about 30 minutes, however, and said that since my call was outside 6 months from the transaction date, no chargeback could be approved. 

I felt this was unfair a transaction should involve purchasing and then receiving what was purchased. These were not delays they substantially changed the trip I thought I was purchasing. 

I believe Chase markets their chargebacks as a protection against unfair business practices, and as such has a duty to protect against merchants that do not deliver what was purchased. 

Even further, XX/XX/XXXX ( the day the airline exchanged the tickets and changed the flights/dates ) should have been used as the transaction date, as the transaction had been significantly altered, and I was forced to accept new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX I had received an email from Regions that my account had been accessed from another device. I called XXXX the next day and was told I would need to go to a branch with my identification ( I waited on hold for one hour and 20 minutes ). The next day, Tuesday XX/XX/XXXX I went to the XXXX branch and asked for help by the branch manager. She said she was expecting someone and to have a seat and XXXX XXXX would help me shortly. After XXXX got off the phone I asked her if she could help me, she said sit down, I told her I would rather stand due to back problems. She then said very loudly, well if you want the whole branch to hear your information then go ahead. I walked out at that point. I tried calling the branch back and she answered and said if you are waiting on an apology thats not going to happen. I tried talking but she kept yelling. I hung up. Three days later I received a letter from that branch that they were closing my account in 2 weeks! I called and left messages but nothing! Something needs to be done about the rude employee at Regions Bank on XXXX XXXX in XXXX XXXX, AR.

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account with XXXX XXXX  was opened without my consent using my social security number. They charged {$1100.00} dollars, and I never received a bill or was notified that an account had been opened in my name until the amount was sent to collections. I began receiving letters from Jefferson Capital Systems ( the debt collector ) about this amount owed, as well as daily phone calls requesting that I pay. I contacted XXXX on XX/XX/XXXX to dispute the charges as fraud identity theft, and after an investigation, they determined that I was not responsible for the charges on the account, and thus cleared any debt owed under my name in their system. They also said that they would send notice to all three credit bureaus that the debt was not legitimate. I also called Jefferson Capital on XX/XX/XXXX to try and clear the debt on their end, and they said they would open an investigation to the legitimacy of the debt. I gave them information regarding the results of XXXX 's claim dispute which stated that I did not owe the debt. The calls and collection letters did not stop. On XX/XX/XXXX I called XXXX again to check on the status of my claim dispute, since I was still receiving collection letters and daily calls. They told me that they would send another notice to the credit bureaus and to contact Jefferson Capital. I contacted Jefferson Capital again on XX/XX/XXXX and they again told me that they would dispute the claim. I stopped receiving collection letters and phone calls around XX/XX/XXXX, but when I checked my credit report recently, I saw that I am still under collections for {$1100.00} by Jefferson Capital. I called XXXX again on XX/XX/XXXX to make sure that the dispute had been settled, and they sent yet another notice to the credit bureaus and recommended that I dispute the fraudulent debt with the bureaus directly. I also filed a local police report for identity theft on XX/XX/XXXX detailing the situation. Thought I was a victim of identity theft and my name has been cleared of all supposed debt by XXXX, my credit report is still being negatively impacted by the {$1100.00} in collections by the debt collector Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
all my accounts at wells fargo have neen comprimised. i have incurred overdraft charges. late fees returned payments because of the breach of my accounts. they switched cards and refunded some of the overdraft fees. i have had this happen several tomes while banking with wells fargo.

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 2022-07-08
Company: Accurate Background
State: IN
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: Public record information inaccurate

Complaint:
So I have XXXX Cases on my background check, which is correct, however the dates are not. On the XXXX XXXX XXXX XXXX XXXX its dated XX/XX/2015 when the correct date is actually XXXX/XXXX/2015.

Company response to consumer: Closed with explanation