BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, XXXX, Tranunion isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.

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 2021-05-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Within the past 2 months, I have tried to resolve this issue multiple times with Navy Federal and no one helps me. I called Navy Federal around XX/XX/XXXX after receiving a letter that I will be reaching my loan maturity date on XX/XX/XXXX and that my payment would be {$210.00} instead of the {$100.00} that was the original payment on the loan. I spoke with them for almost an hour. The personal finance team told me that someone would reach back out to me within 3 days because I may have been overcharged. I called back on XX/XX/XXXX and I was advised that they were still working on it. I called back again on XX/XX/XXXX and I spoke with them for 41 mins and I was advised that the reason that my payment changed was because I lost my payment protection plan. I called back again on XX/XX/XXXX, XX/XX/XXXX and spoke with them another 41 mins and on XX/XX/XXXX and still no resolution. I am upset because Navy Federal cheated me out of my protection plan. 3 years ago, I made a complaint because I had the protection plan that was supposed to kick in when I was out of work and could not pay. I called Navy Federal and let them know that I could not work ( which lasted 3 months ) due to being injured in a car accident. Navy Federal did not help me to file a claim and just made payment arrangements with me instead of servicing me with the product that I was paying for. After I made a complaint to the CFPB, they apologized for not servicing me and to compensate me, they waived my late fees which would equal up to the amount of payments that I missed. Navy Federal is now punishing me due to them making an error with their products were they should not have changed my payments from {$100.00} to {$210.00} which is more than double of my original payment. I have spoken with supervisors and several departments in order to resolve this issue and no one will help me. They all say that they can not help me even though they made a mistake that is costing me as a consumer and that is not fair.and they never informed me about the {$210.00} payment either until the end of my loan which is why I called to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$680.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$350.00} ; 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

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Had accounts and they closed my accounts without permission and can't find my accounts and the money I had in my CDs they basically stoled my money and no closer or know where my accounts went to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus to delete 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. 

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 explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: OH
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2023-07-24
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked the debt collector Midland Credit ManagementXXXX XXXX to stop contacting me by phone, in 2022, due to their pressures and ask them to only contact me by mail. 
I just found out that in retaliation of me asking that they not call me by phone, that they willfully and without my knowledge changed my mailing address to an old address that I had in a state where I lived 25 years ago. 
They willfully sent my information to someone other than my self which is a violation of my privacy and they willfully kept me from getting updated information regarding their collection actions. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit act XXXX  Account XXXX XXXX, has violated my rights. 
Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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. 

XXXX XXXX  Account # XXXX, Has violated my rights. 
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 reason.

18 USC 894 NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: HF Holdings
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account XXXX : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again, I am informing you to cease all contact with me or anyone else about this claimed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a XXXX credit card through Comenity Bank. I always paid my card in full and on time. I paid my final balance and closed the card on XX/XX/2020. Last spring, I got a phone call from Comenity Bank asking why I was delinquent on my payments. While talking with the customer service rep, I discovered a charge had been put through on my canceled card. I have called the company numerous times and talked to many people. Some are helpful, others are verbally abusive and have accused me of attempting to defraud the company. I have waited hours on hold, only to told the problem has been handled, or to be disconnected. 
I wrote them a letter trying to resolve this issue. The response was to call them at the same number I've been dialing for over a year! 
Today I got an email from XXXX, who just bought my " debt ''. I am furious and making good on the threat to contact your bureau if Comenity didn't resolve this. 
I'm sending a copy of a statement they sent me, a copy of the letter I sent them, and information about the " debt '' they sent to collections. Since the account was closed nearly 3 years ago, I no longer have my account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I recently try to remove the freeze on my credit reports. But for some reason I can't get credit unit XXXX. I downloaded the report. Please help removing the extra freeze on credit with Equifax. They always don't listen to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-24
Company: World Acceptance Corporation
State: TX
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 Disputed these innacuracies with company and my issue was not fixed company is reporting multiple innacuracies on this closed account payment history and balances is different across all bureaus i requested proof of account payments being late to no response instead company updated my credit report with more late payments with no proof I am requesting for this trade line to be removed from my credit report for failure to accurately report I have attached how account history is being reported across all bureaus thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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:
Experian is failing to use Metro 2 and E-Oscar to verify an alleged debt that XXXX put on my credit report. XXXX is not giving Experian or on my credit report the full account numbers. The account number provided has 4 unknown variables which makes it impossible for Experian to verify that the account belongs to me. The grind payment history does not match up. Fore Example XXXX updated the term as {$0.00} a month. How can I owe a balance for an alleged debt if the monthly payment is for {$0.00}. Also, it notes that there was a payment of {$7100.00} on XX/XX/2020. How can an account be charged off if there was a payment? And if there was a payment, why was it not deleted from the alleged debt amount. The alleged balance was {$6500.00} and the alleged payment was {$7100.00}. {$7100.00} is a great amount than {$6500.00} so therefore there should not be an amount owed.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: TN
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:
Experian is attempting to start an investigation after it's already been 55 days since they received my dispute. This is well over the 30 days that they are allocated. This goes against the FCRA! I've attached the tracking number that PROVES the day they received my dispute and I've also provided a copy of the dispute letter. They are to NOT start another investigation. They are to remove the disputed items that they did NOT verify within 30 days.

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 2023-10-27
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have Loyality checking account with Laurel Road Bank - part of Keybank. I have no idea why Keybank send me this letter ( dated XXXX XX/XX/2023 ) that there is some fraud going on in my account. I called but nobody was there even after 25 minutes of wait. Then keybank is threatening that they will close the account and also furnish negative information to a consumer reporting agency. Keybank should provide me specifics rather than general language which gives no clues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I financed a XXXX XXXX XXXX through the company Westlake Financial Services. I was told By XXXX XXXX XXXX after I gave them a down deposit of XXXX to tell the Westlake that I am already driving the car on XX/XX/XXXX but I did not pick up the car and actually drive it till XX/XX/XXXX. My car payment was set for XX/XX/XXXX, I made a partial payment of XXXX on XX/XX/XXXX. I later received a call from Westlake regarding my balance and explained to them I will be able to make the rest of the payment on XX/XX/XXXX. I was told that would be okay and they will just call me again to make sure. On XX/XX/XXXX, I received a phone call from XXXX XXXX telling me they will pay the other half of the bill but I have to come down now to resolve the issue. I get to the auto company and they show me a letter sent via email stating Westlake would like for them to buy they car back and XXXX pressured me to leave the car on their lot and take all of my belongings. On my contract it does not state a grace period and it does not state what it is considered a miss payment.

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 2018-04-10
Company: Experian Information Solutions Inc.
State: NY
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:
There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number 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 2022-07-05
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 Convergent Account : Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX , Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation