BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NY
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:
I am a natural person I am a living human being and I have the right number 15 USC 1681 Equifax is governed by 15 USC 1681 and they have violated my rights numerous of times I demand the accounts listed below to be removed because according to 15US15 USC 1681 I have the right to privacy and I did not give Equifax written consent permission furnished of these accounts XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: SYNCHRONY FINANCIAL
State: CT
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 noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from Paypal Credit. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through XXXX/the 3 major credit agencies. I did just that and XXXX  said " The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from Paypal Credit from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted Paypal and XXXX  and neither one was able to resolve this.

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 2023-08-06
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: Account information incorrect

Complaint:
In accordance with the FCRA the list of accounts below has violated my Federally protected Consumer Rights To Privacy and Confidentiality under 15 USC 1681 I told the Experian, XXXX and XXXX to Reinvestigate these accounts However they stated everything was complete and accurate but how is that possible if the open date date of last activity and much more is incorrect according to 15 USC 1681 I ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 USC 1681 Section 602 A States I have the right to Privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer Reporting Agency Can not Furnish a Account without my Written Instructions! 5 USC 1681 C ( ax5 ) 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 then records of convictions of crime which antedates that report by more then 7 Years 15 USC 1681 S-2 A-1 A person shall not furnish any information relating to a consumer reporting agency if the person knows or have 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 2023-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-02-17
Company: Experian Information Solutions Inc.
State: NY
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 account list below violated my federally protected consumer privacy and confidentiality under 15 USC1681. account XXXX This company violated my constitutional right. This account is paid in full. I attempted to dispute this with no results

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 2023-04-01
Company: Experian Information Solutions Inc.
State: SC
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date XXXX XXXX XX/XX/2022

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
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 have already disputed these items with the bureaus, but they didn't delete or validate them. 
Please remove these accounts from my credit files. 

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

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
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: NY
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:
I keep getting this message when trying to access my credit score. 


Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: FIRST PORTFOLIO SERVICING INC
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card limit is {$300.00}. I had a XXXX balance before I made a transaction on XX/XX/23 at XXXX XXXX XXXX, for {$66.00} which shows up as XXXX XXXX on my statement. On XX/XX/XXXX at XXXXXXXX XXXX  I made a payment of {$68.00}. which shouldve brought my balance back to XXXX. I then made two transactions on XX/XX/XXXX one at new balance XXXX XXXX, and one at XXXX in XXXX, PA. I go to check my balance yesterday because I was trying to do something with my card and I seen that I still have the balance from the three transactions and my payment I made is not reflected on my balance. So I give the company a call and try to find out whats going on, the representative could not tell me much and we was on the phone for like 20 minutes l. So I had to ask to speak to a supervisor to see if I can get some clarity of what was going on. The supervisor could not tell me much. I explained to her the transactions I made, and the payment I made. When you calculate the payments I made, and the transactions I made my balance should not be what it is. So thats why Im coming to your office for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX calls me at least 5 days a week. XXXX called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2022-11-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I purchased and applied a {$100.00} gift voucher to my XXXX account, expecting to be able to use it to purchase hardware or physical games. The funds are now locked in a " wallet '' on their site that can only be used to purchase digital goods, for which I have no use. I have called and used chat and have been told there is no way to withdraw the funds or have them converted into a format which I can use on the physical goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: VA
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 listed accounts below are reporting inaccurately on my consumer report and are violating my rights also my rights to privacy and confidentiality under 15 USC 1681. Experian Credit reporting agency has failed and violated my rights protected under the FCRA, by continuing to report negative and inaccurate information on my consumer report, where I the consumer did not give ANYONE PERMISSION TO SHARE ANY INFORMATION CONCERNING ANY TRANSACTIONS OR EXPERIENCES WITH ANY OF THE COMPANIES MENTIONED BELOW. NOR DO I RECOGNIZE THE ALLEGED DEBT ASSOCIATED WITH ( XXXX XXXX XXXX acct # XXXX ) WHERE EXPERIAN HAS FAILED TO HAVE XXXX SEND PROOF TO VALIDATE THE ALLEGED DEBT. 

Furthermore, Experian is Reporting an alleged late payment associated with ( XXXX XXXX XXXX, which is also in violation of my rights under FCRA. 

Account name : XXXX XXXX XXXX XXXX, acct # XXXX Account name : XXXX XXXX XXXX, acct # XXXX Account name : XXXX XXXX, acct # XXXX THE ABOVE MENTIONED ACCOUNTS ARE BEING REPORTED WRONGLY AND INACURRATELY, AND 15 USC 1681 section 602 A, STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish a account without my written permission/ instructions.

15USC 1681 C, ( A ) ( 5 ) STATES '' NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINNING ANY OF THE FOLLOWING ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 BELIEF THAT THE INFORMATION IS INACCURATE.

THESE INACCURACIES IS AFFECTING MY CREDIT SCORE AND MY CHARACTER WHICH PREVENTS ME FROM OBTAINING CREDIT AND ULTIMATELY AFFECTING MY MODE OF LIVING AS A LAWFUL CITIZEN.

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 2023-02-27
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
-I filed a PSLF certification in early XXXX with XXXX XXXX. That certification was completely ignored and my loans transferred to MOHELA. 
-I re-filed the same form ( " first form '' ), plus an updated form from my current employer ( " second form '' ) on XX/XX/XXXX. I was informed that the process would take up to 90 business days to process. 
-On XX/XX/XXXX, my forms were " processed '', per the MOHELA website and a letter was to be sent. I never received a letter. 
-I called on XX/XX/XXXX and the customer service representative could not offer a reason why, despite being " processed '' my account had not been updated and no letter had been sent, so she said she was going to ask them to take another look. She posited that the " second form '' may not be accepted due to the electronic signature ( which is incorrect, as the signature is the HR representative 's actual written signature, just in electronic form. ) The representative told me to call back in about a week to see if they could push things along, but she could not make a guarantee on the timeline. 
-On XX/XX/XXXX, I resubmitted the " first form '' ( now for the third time ), plus an updated form from my current employer ( " third form '' ), with a hand-written signature, just to cover my bases even though I believe the " second form '' should have been accepted. 
-On XX/XX/XXXX, I called to find out the status, and was told MOHELA XXXX completed '' the process of reviewing my application within the 90 business days of XXXX, but they are now entitled to another 90 business days for " review. '' I told them that they DID NOT complete my application review from XXXX, and that giving themselves another XXXX business days to re-review makes no sense given they didn't complete the review the first time and never updated my account or provided me with a decision on my certification forms within the original 90 days. I asked to speak to someone further. 
-They defended themselves saying they are busy and they make mistakes and told me nothing can be done. They then, without telling me what they were doing, left me on hold. 

At this point, I have well over 120 qualifying, certified months of employment and am entitled to loan forgiveness. MOHELA is intentionally delaying this process, entitling themselves to unnecessary time to " complete '' then " review '' an application ( 180 business days total to give ANY answer, not even counting the first three months the first form was lost between XXXX and MOHELA ), likely in the hopes they can profit from the end of the student loan pause for people who should have XXXX balances.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
I have disputed these inaccuracies for a very long time however the credit bureaus refuse to remove them from my report. This is caused a severe hardship in my life.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts from my file. 
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 2023-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
During course of home addition/ remodel I took out 4 promotional. loans last year.

Promotional APR 1.99 %. XXXX. {$21000.00}. XX/XX/XXXXXXXX  " " 0.00 %. XXXX. {$11000.00}. XX/XX/XXXXXXXX  " " 1.99 %. XXXXXXXX  {$23000.00}. XXXX " " 0.00 %. XXXX {$10000.00}. XX/XX/XXXX I have been paying the minimum payment and the total new purchases every month The first loan XXXX was due XX/XX/XXXX so I called and was told to pay the minimum payment, new purchases and a separate payment for the loan we made 3 separate electronic payments {$810.00}, {$4300.00} and loan current amt due {$8700.00} The next billing cycle the XXXX loan was removed as paid, but {$7500.00} was place under a loan at 20.99 % Behold?? My recent balance reduced to {$3600.00} at the 20.99 % rate The contract says min payments will be applied by APR rate Bottom line even if you pay off each individual loan on date due they put you in the 20.99 % rate which is dishonest I would like to be refunded the additional interest and I will pay all loans off I have been working with XXXX XXXX XXXX ext XXXX with? results I think BoA is being misleading and dishonest with consumers they want to get their pound of flesh ( 20.99 % interest rate ). I have had this credit card for almost 40 years Apparently they have a clause min payment is applied to lowest rate balance and payment over the min is applied your highest rate balance regardless when loan due??? 

Your help is appreciated 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 2019-02-01
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called Navient to see about getting a deferment or forbearance for my student loan with them, as I lost my job due to layoff in XXXX and my unemployment has run out. I initially called on XX/XX/XXXX but was told they won't even speak to me about this until a payment is due, with my last payment having been made on the due date of XX/XX/XXXX. 
I called back on XX/XX/XXXX as I now had a payment due and was told that I could not get a forbearance without first paying a fee of {$50.00} per 3 month period of forbearance. I explained I can not afford this as I have no income and they ultimately suggested I speak to someone about payment options and I was transferred. 
After reaching someone in collections, I was asked a series of questions to determine eligibility. When we reached how much can I afford to pay a month, I answered that I can't afford a payment as this time as I have no income and I also have other obligations, such as my rent, car payment, and phone payment, all of which are necessary for me to obtain a job. I was told at that time that, since I can't afford a payment, they can do nothing for me. 
I requested to speak to a supervisor ( XXXX  ) and explained I have no income, I can not predict the future and determine when I will be able to make a payment ( they specifically asked when I could pay ), and that I have other financial matters which take a priority. He stated that the {$50.00} for a forbearance serves as a " good faith payment '', to which I asked what about my years of making payments on time every month, to which he replied that past payment history has no bearing on these matters. They further stated that there was nothing they would do for me. I pointed out that my other loan providers were able to assist me when I explained my situation to which he replied " Well, we're not you're other loan providers ''. I informed them they could disconnect the call so I could take their survey at which point he replied " this is the collections department. There is no survey. '' I specifically stated that this was a matter of a financial hardship, that I have other financial obligations, and that I am working to resolve this hardship by actively seeking employment, and still they would not do anything to help with the matter.

Company response to consumer: Closed with explanation