BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  elaborate Ponzi scheme. I have been working with Agent XXXX XXXX, until his retirement. 

I am trying to communicate with my lender ( Pentagon Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXXXXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX - a XXXX XXXXXXXX XXXX ( XXXX XXXX ) with and price tag {$75000.00} ) is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX, GA. 

The case number for the open Federal Investigation involving this matter is XXXX. The agent is XXXX XXXX XXXX ( XXXX ) and his email is XXXX. 

# 1 - Pentagon Federal Credit Union Auto Loan Account # 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 2023-01-11
Company: CITIBANK, N.A.
State: NY
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:
Macy 's is inaccurately and negligently reporting late payments on my consumer credit report for XX/XX/2017 and XX/XX/2017 which is impacting my ability to secure housing. I have written letters to the XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX to no avail. Macy 's is in violation of the Fair Credit Reporting Act. In addition to several other code laws Macy 's is violating, they are primarily violating my rights under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) ( i ) which references that a consumer report does not allow the creditor to report information as to transactions or experiences between the consumer and the person making the report. Therefore they are in violation of this code law by disclosing to the credit reporting agencies that I, the consumer, was supposedly late on payments.

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I the consumer XXXX XXXX recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXXExperian XXXX XXXX XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) Notice of results of reinvestigation ( A ) In general Aconsumer reporting agencyshall provide written notice to aconsumerof the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by theconsumerfor that purpose, by other means available to the agency.

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 2023-09-26
Company: Mr. Cooper Group Inc.
State: GA
Product: Credit reporting 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 reached out to Mr Cooper Mortgage to have my XXXX Credit report updated because I'm receiving denials because of their non-reporting. It has resulted in me having a false low credit report. My payments haven't been reported since XX/XX/2022.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EdFinancial Services
State: UT
Product: Credit reporting 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:
This is part of a class action law suit that was settled in XX/XX/2023 which was won by the Plaintiff 's. The Defendant has not removed this account per the settlement agreement and requirements set by the Judge. There is NO MONEY owed on this account, the company appears to be shut down, none of the phone numbers work and there is no way to contact them. There's no reason for the delay in the Federal Student Aid Dept. removing this account from my credit reports- all of them. They need to step up and remove it now! It's bad enough FSA is slowly bit piecing crediting back my loans in the increments they were disbursed. That will extend long past the time frame the Judge gave FSA to settle this matter for over XXXX student Borrowers. Had Borrower Defense done their jobs, they would not be in this position today. The loan servicer is confused and very slow to credit the payments back to my outstanding balances. But FedLoan Servicing has a XXXX balance therefore should be deleted per the settlement immediately!

Company response to consumer: Untimely response
Consumer complaint received 2023-09-02
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have contacted Edfinancial 5 times in the last month to be removed from the IDR plan ( {$260.00} a month ) and placed back on the Standard Plan ( {$58.00} a month ... maybe I've gotten multiple quotes all much lower then the IDR plan ). I tried contacting them once by email in mid XXXX with no reply, once by chat service around XXXX when they said they would change the plan but it was never changed, a few attempts by chat service between XX/XX/XXXX and XX/XX/XXXX, once by phone on XX/XX/XXXX when the customer service guy said he saw the previous request for a plan change was still pending and that he would do it again. He said it would take 2-3 days to process but it's been over 5 and I'm still on the expensive IDR plan. I called XXXX to follow up and was placed on hold for over 8 hours couldn't get through to anyone. So I followed up with an email on XXXX ( not even a confirmation of receipt of email was sent either time I emailed them ). I've tried the chat service multiple times between XX/XX/XXXX and XXXX and it's always unavailable. 

They did not disclose how expensive the IDR plan would be before placing me on it. I assumed they would tell me the savings or tell me I don't qualify for a lower payment. Instead they enrolled me without my permission and now they are not letting me go back to the standard plan that is more affordable. This should not be this difficult and I refuse to pay 6 times more on the IDR plan. I would have NEVER agreed to if they had disclosed how much it costs. I can NOT afford {$260.00} a month payments! I will loose my house and my job if they don't fix this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$440.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$3200.00}

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 2023-09-02
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime is the worst and their customer support is horrid. I have been a long time customer with Chime. I only had one incident where I reported a fraudulent transactions and was told the distance from the restaurant to my home is in close proximity, Chime denied my claim. Even though I had proof it wasn't me. This happened XXXX ago. Fast forward to what brought me here. Chime motto '' Banking made easy '' is false advertising. Talking to Chime customer support is like talking to a brick wall. My employer sent my payroll on check ( {$1300.00} ) to chime for direct deposit on XX/XX/23. On payday ( XXXX ) the money isn't in my chime account. I went through the app to speak with someone. This was a major headache and causing me so much Anxiety. I talked through Chime chat and spoken on the phone with several agents only to get the run around. I was told by several Chime reps that they can't see my direct deposit until it's posted. I then asked so where's my money and was told it's in processing. I then asked what stage in the process is my direct deposit? I was told by multiple Chime agents that they couldn't see the process only when it's posted. Again what is customer service for if they can't answer simple questions. Chime also said they release your money as soon as it's deposited. This is a lie and false advertising. Your direct deposit goes through a third party process before it's posted ito your account. Chime holds your money and release it when they want to. I was also told I have to wait XXXX pay cycles ( a month ) to get my money. Even though I have been with Chime for over 7 years. I will be closing this account. Please beware don't use chime is a rip off and they don't offer immediate release of your funds=false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never received written notification about this outstanding debt. Under section 605b of The Fair Credit Reporting Act ( FCRA ) both the credit reporting agencies ( CRA ) and the furnishers ( creditors, debt collectors, and other companies that reported that information ) are responsible for blocking that information from appearing on a victims credit reports. I am a victim of identity-theft. 

1. XXXX XXXX XXXXXXXX acct. # XXXX bal. {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
No personal information fue to my identity was stolen. I been going back in fourth with this company since XXXX. This has told on my mental health due to my disability. They constantly put remarks on my credit file Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX { XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Constantly it went from XXXX now to XXXX. A new state law introduced in XXXX aims to protect people from zombie debt. It also requires debt buyers to provide written notice if they are taking action past the limitations period. The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.. Next I will be contacting FTC .and report the compay to Division of motorist services complaint affidavit. Seeking compensation due to humiliation and mental health damages. The statute of limitations on debt in Texas is four years. 
This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. 
XX/XX/XXXXXXXX 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 2023-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My credit card was charged {$150.00} for XXXX XXXX! I told my bank it was fraud! My bank still took the money from my account.

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 2023-01-04
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/23 I placed an order through Afterpay for some items from XXXX. After pay breaks your payments down into 4 payments 1st the deposit with comes out immediately then 3 additional payments. The problem is all the items were not paid for, therefore I am unable to receive them. I have been trying to contact Afterpay for days with no success. I have also contacted XXXX several times who said its nothing they can do, and they dont have a contact number for Afterpay either. Why is such a company in existence thats not mandated to communicate with vendors, and customers yet they are allowed to withdraw funds out of your account thats not owed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-02
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please accept this letter as notice that you are in violation of breach of contract, negligence, Billing Error, negligence, false reporting, selling the contract. verifying account without providing account level documentation. Hidden fees, Deceptive cancellation, Location Data Selling, Data Breach, False reporting, selling the contract without taking me to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. date the above inquiry ( ies ) not yet documented have NOT been demonstrated with adequate demonstration of required PHYSICALLY VERIFIED PROOF OF THE ADEQUATE and legally ACQUIRED PERMISSIBLE PURPOSE as result of report review requested by myself and or any person, persons, or entity else wise legally with the rights of Permissible purpose above and or beyond my knowledge and or authority. Being not provable of mandatorily substantiated Permissible Purpose from the exact and identified me, the allegation of inquiry ( ies ) can not be assumed COMPLIANTLY recited nor any direct and or indirect injurious account claims assumed COMPLAINTLY believed. Further, given the above suggested deficiencies, any assumption ( s ) of verifiability much less validity of claim ( s ) can not be assumed factual, and I here now today DEMAND total and permanent ERADICATION of the flawed expressed inquiry ( ies ) and any and all allegations of injurious account reporting ( s ) there by associated, directly or indirectly, mentioned here or not, veracious or not because CERTIFIABLY COMPLIANT REPORTING OF ONLY PHYSICALLY VERIFIED authentic CORRECT replete and fully VALIDATED claims is the LAW and STANDARD OF ACCEPTABLE LAWFUL REPORTING PRACTICES. You now any being has the right to be derelict in reporting and you can NOT justifiably cling to any suspect or recklessly poor information, particularly claims contested by the injured consumer such as I am doing here and now! In advanced I thank you for your willing action to return to total compliance of reporting.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation