BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS XXXX. XXXX ( {$5400.00} ) Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( {$2000.00} ) Account XXXX XXXX XXXX XXXX  XXXX  ( {$640.00} ) Account 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 2018-03-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been going through Navient for my student loans for a few years. I have consolidated my loans so that I could try and start paying them. I am a single mother of XXXX children with no help from family or their dad. I have asked them about my options over and over and what would be best for my situation since I am not working and when I am I barely get by. The only solution they offered was the income based payment plan that still gains an extremely high amount of interest. I have received calls from the companies that say I can have most of my loans forgiven if I pay so much money for 3 months then I can get on a XXXX $ payment plan like the income based but it lasts 240 months and I have no job. Navient hasn't tried to help me pay back my loan only keep the interest building so I owe more money in the end. My loans are now up over XXXX $ and I'm afraid I will never be able to pay them off. I would love to go back to school and finish my education and be able to get a good job but with these loans I can't afford anymore and I can't make a life for my kids without a good job. I need to know how they get away with keeping poor people poor and making it to where they can't even do anything to make a better life. I thought these places are suppose to help people so we can get back on our feet and make a life worth living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
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:
I have reported fraud in my bank account all the way up to the FBI. My VA XXXX  is my only income and I have told the bank that. My accounts are frozen and USAA will not release my benefits. I have spoken to many. The CFBP states this is a protected class payment and can't be withheld. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I sent in disputes for information that they are reporting and verifying as accurate to the credit bureaus that is in fact not. With the submission of my disputes I included a copy of my drivers license, social security card, passport and a current utility bill. Their response was that they are unable to authenticate my identity. This is clearly a stall tactic and is highly illegal. I am attaching the letter and documents I sent to XXXX XXXX pertaining to my dispute as well as their response. You will find that they have everything they need to authenticate me and direct information relating to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Earlier this year I opened a secured credit card with Capital One after closing another account with a lower credit limit. The reason I closed the latter account was because Capital One constantly stopped me from being able to use my credit card because I was paying the balance on the card via my brokerage account. The first time the account in question was restricted by Capital One, I submitted them the paperwork to prove the account I was paying the card from was indeed an account owned by me. After waiting the two weeks to get the account unlocked, I continued to use it and pay the balance from the same account. 

Not much time passed and Capital One again locked my account from being used for the sole reason that I was paying the balance off. Instead of constantly proving my account was mine, I decided to close that account and open another one, this time a secured credit card. The security deposit for this credit card was {$840.00}, and I paid the balance from the same account, this time using the debit card associated with that account. Not too long after paying the balance on the card, Capital One again locked the account because they wanted to verify the account I was paying from was mine. I submitted the paperwork to them, again, to prove I was the account owner, and waited two weeks for them to validate it and unlock my credit card. After two weeks of having a locked credit card against which I had submitted an {$840.00} deposit, I decided to close the credit card. I had already gone through verifying the account I was paying from was indeed mine, but apparently Capital One decided to ignore that and have me jump through meaningless hoops to be able to use the credit card again. 

The credit card was closed on XXXX XX/XX/2021, I was told XXXX XXXX XXXX, XXXX  days after the card was closed, I would be sent a check for the security deposit, less the balance on the card ( {$35.00} ). No such check has been sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX  ( any and all ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX attached...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today at work, along with yesterday I received a phone call at XXXX XXXX  - forwarded it to a queue because I did not know the number and it is my work number, then again right away at XXXX XXXX  called right back, did the same thing as I was on the phone, this is NOT the first time they have done this, and it has been reported before, also I have before told them NOT to call me at work and they still do over and over. Also when pulling my call history up, I realized that they called me at XXXX XXXX this morning as well. Which they can not call your POE more than once per day. This is harassment as I myself am a collector and know that they can not hang up and call right back and that each call can be worth to up to {$1000.00} if I were to go legal against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TO BOTH XXXX AND TRANSUNION I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH XXXX AND TRANSUNION SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both XXXX AND TRANSUNION XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - TRANSUNION DISCHARGED XXXX BANKRUPTCY - XXXX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you.

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING XXXX & TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-17
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a phone and ipad from XXXX XXXX. Both devices were returned, and the services were never activated. XXXX XXXX automatically started charging for phone and data services, even though the services had not been activated and the phone/XXXX  were returned without even being opened. 

Issues- XXXX XXXX Financial Department is always closed, despite messaging, and they don't answer the phone. I spent hours trying to resolve this issue over chat on two occasions and then by phone on a third try. This process takes hours and was almost impossible to resolve, despite my efforts. - XXXX XXXX automatically created phone accounts and started charging for services that were never activated, simply for purchasing hardware products from their website. When the hardware is returned ( unused ), XXXX leaves the phone/account open and starts billing for phone/data plans without activating the services! They even send notices that the phone number needs to be activated, and they are billing at the same time! 

They also tried to force me to create an online account ( and accept terms to entrap me ), - just to " work with me '' to resolve the issue. Completely inappropriate! I did not want an account and the devices were returned within the 30-day required period, unused. 

Eventually, XXXX credited the account that was NEVER ACTIVATED, but not before sending it to a creditor for collection! Outrageous and completely corrupt business practices. They should not be sending bills and charging for services never used or activated and the related hardware products already returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Been working with franklin credit for 2 years initially started in BK but then they dismissed it though we did receive mod and I paid but they said they did not get the appropriate court papers so for the last two years we have gone back and forth going from the initial XXXX proposed load mod to XXXX plus asking for XXXX down. They have sent us documents with different balances, delayed in contacting us. We are victims of predatory lending did not know what we signed when we bought the home under false pretense. We have asked for a fair mod. They said they would agree to XXXX down with the remaining spread over a year with the regular payment. My attorney advised us before we sign on Monday we should have our loan directed and terms reviewed and it was to have been reviewed by BK court Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: P&B Capital Group, LLC
State: IL
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:
Dear CFPB, I am writing a formal complaint against P & B Capital Group LLC regarding their unjust actions as a debt collector. I recently experienced an alarming incident where P & B Capital Group LLC threatened to report a delinquent tradeline on my consumer report without providing me with the necessary information regarding my rights to request debt validation. I kindly request your intervention in addressing this matter and ensuring appropriate action is taken against this collection company. 

Firstly, I am deeply concerned about the lack of transparency exhibited by P & B Capital Group. As a consumer, I have the right to be informed about my rights and options when dealing with debt collection. However, P & B Capital Group failed to provide me with the necessary information regarding my right to request debt validation. This omission not only violates the Fair Debt Collection Practices Act ( FDCPA ) but also hampers my ability to protect my interests and exercise my consumer rights. 

Furthermore, I firmly believe that P & B Capital Group 's threat to report a delinquent tradeline on my consumer report without considering my rights is both unfair and unacceptable. Such actions can have severe repercussions on my creditworthiness and financial well-being. It is imperative that this collection company understands the gravity of their actions and the potential harm they can cause by bypassing necessary consumer protections. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau takes the following actions : 1. Conduct a thorough investigation into the practices of P & B Capital Group, specifically regarding their failure to inform consumers about their rights to request debt validation. 

2. Ensure that P & B Capital Group ceases all communication with me immediately, except for their response to my debt validation request. 

3. Enforce appropriate penalties and sanctions against P & B Capital Group if found guilty of violating consumer rights and failing to adhere to the regulations outlined in the Fair Debt Collection Practices Act. 

By addressing this issue, you will not only protect my consumer rights but also send a clear message to debt collectors that such practices will not be tolerated. 

Thank you for your attention to this complaint. I look forward to your prompt action and resolution. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
Information on my credit report that are not my items are listed

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 2023-10-16
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXX mailed me a business debit card. The card has my name and address, but also the name of an unfamiliar, local business. I called XXXX and asked that the account be closed. They agreed, but are unable to provide confirmation of the account closure. I also asked " who opened the account? '' but they couldn't provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: WI
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:
I have disputed this problem for many years and was told that it was accurate after they investigation. But when i can them they don't even have my information. And this all started in the year of 2020, and I been fighting to get it removed off ever since. So, I decided to get help for the police department. XXXX XXXX had me file identity theft report. And said she would investigate the situation and if she finds it to be fraud. she would notify me with a case number. And she did find it to be fraud and gave me a case number # XXXX. so, nothing was done about at the credit bureau it is still on my credit report. Now I'm asking for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I recently received a Citibank credit card in the mail that I never applied for. Today I received a notification via personal email that I had a current balance on this card of {$7400.00}. I NEVER APPLIED FOR THIS CREDIT CARD, NOR WAS THE CARD I RECEIVED IN THE MAIL EVER ACTIVATED.

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: Mr. Cooper Group Inc.
State: SC
Product: Credit reporting 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 the following : XXXX XXXX ( XXXX XXXX XXXX ) Nationstar/Mr Cooper ( XX/XX/XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX ), and XXXX  ( XXXX and XX/XX/XXXX, XXXX and XX/XX/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 an account without my written instructions.

15 U.S. Code 1681a- Definitions : rules of construction Exclusions.-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose I have contacted these companies with no success.

Company response to consumer: Closed with explanation