BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: IN
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, 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NY
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:
Please take into consideration my delayed payments during the pandemic period. I was unable to pay on time as I was without work during that time. I earnestly request your understanding and request to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: HI
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 alleged fraud or extortion. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loan provider, Fedloan Servicing, notified me via email on XX/XX/XXXX2017 that I had a message waiting for me in my inbox. I logged on to see a message regarding my student loan plan ( REPAYE ) had changed effective immediately. My new rate of {$1800.00} a month, from a previous monthly rate of {$280.00} would be directly deposited from account the following month. 

There was never any correspondence or notification from the provider that I would need to re-submit required materials to remain on the REPAYE plan. I am now at a loss as I do not know how I will ever be able to afford such a steep increase in a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: VW Credit
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I went to Volkswagen in XXXX XXXX MO when I was XXXX years old to look at getting my first car. I was asked by the car salesman to call my mom and see if she would co-sign for me. He explained that I might be able to get a better deal if she did so. After she agreed he immediately started showing me new vehicles. He suggested a lease knowing I could not pay anything over {$500.00} stating that this is better deal. He misconstrued what a lease was and the features on the contract. He stated that when I got to 48,000 miles ( or 4 years whichever came sooner ) the lease would be over and I could end it or trade it in for a new car. When I was nearing this amount of miles I went back to the dealership to discuss my options. The person I spoke to said that everything I said I was told is incorrect and because I was at this mileage at this point in my contract I would be subject to thousands of dollars in fees and suggested I switched to a purchase. I am XXXX now and barely able to survive after making my rent and car payment. I have tried to look at trading it in but I owe about {$22000.00} more than it is worth and nobody can help me. I believe Volkswagen took advantage of my ignorance and lied when explaining the specifics of my contract to me verbally. I have submitted several written complaints via email from Volkswagen Credits website and have never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
checking my credit profile ive noticed alot of unauthorized information that is hindering my credit report with transunion. please update the files correctly asap.

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 2023-05-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I requested that BMO Harris N.A. ( the bank ) close my Cash Back Mastercard. They say that they did and issued a letter confirming that it was closed. However I subsequently received a statement for the card and contacted them about receiving a statement after closing the account. The representative told me that the account was still open. This was after the letter was issued. The representative then told me that they could not fix the problem...

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 2023-11-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint against SYNCBXXXX regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.

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 2023-04-29
Company: EQUIFAX, 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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, Equifax or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MI
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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have new and updated information regarding Complaint Number XXXX : Hayt , Hayt & Landau , P.L . has provided false, deceptive, and misleading information in its previous response. It is a fact as seen in the attached documents that Hayt , Hayt & Landau , P.L . has identified themselves as a debt collector and its communication is in reference to collecting an alleged debt. Hayt, Hayt & Landau, P.L., a third-party debt collectors involvement in this matter is misleading as its participating as both a debt collector and as an attorney. Congress has deemed such behavior unlawful. I request Hayt , Hayt & Landau , P.L . to disclose under the Freedom of Information Act to disclose how it and its attorneys are participating as both debt collector and attorneys.

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 2019-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to log into my account today XX/XX/2019. USAA gave me this my online access has been restricted to security concerns. I don't know the reason for them to deny me access to my online account. I have been with USAA for over 2 years now. Now all of a sudden my online access has been restricted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX Confirmation # XXXX XX/XX/XXXX Personal Information has wrong address and this has been going on for over 4 months now with no end to XXXX putting address are not my address as office buildings and other address that XXXX has or can not provide proof of the address. 
Employment not showing last reported or Previous Employment not showing. I have sent in my current proof of XXXX from employment and have yet to see anything on my credit report. 
Liens showing on my credit report as to I have ask XXXX for proof of my full name full social security number full date of birth and full address in my name showing all the information as required as to the laws changing in XX/XX/XXXX pertaining to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking account with Wells Fargo. I made a cash and check deposit. Wells Fargo closed the account, saying that I am too risky of a customer because the check bounced. The check didn't bounce. It cleared.

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 2023-06-29
Company: Genesis FS Card Services, 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having some issue with my credit and have noticed a few accounts that are not being reported correctly and based on the information I read online and on the CFPB website, I disputed these items with the credit reporting agencies. Experian keeps sending me emails saying they don't believe the disputes are from me after responding to them that it is me and giving them proof that it's me including personal information and documentation to support it. I'm trying to resolve these issues on my credit report and every time they reply with the same email! I don't even know how they got my email address in the first place, I never sent them my email, I sent them a dispute letter in the mail with the accounts in question. I'm curious if this is some kind of scam that Experian is doing to avoid correcting misinformation on credit reports? I was under the impression that the credit reporting agencies had to comply with laws that protect consumer rights. I read that the Fair Credit Reporting Act says they have to investigate and respond within 30 days directly from the CFPB website however, it seems they refuse to investigate and never respond within that 30 days. I also read that if they do not correct the misinformation or respond within 30 days they have to delete that misinformation, yet they never do. I am filing this complaint to let the CFPB know that Experian or someone acting as Experian is sending emails refusing to comply with these Federal Laws that are supposed to allow consumers to correct their credit reports. I'm asking the CFPB to please investigate on why Experian is sending these emails or if this is some sort of a scam that is preventing my information to be corrected.

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 2023-01-25
Company: EQUIFAX, INC.
State: GA
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 been going back and forth with the credit reporting agencies since XX/XX/XXXX with last letter dated XX/XX/XXXX. I sent in a dispute to Equifax, XXXX, and XXXX. Equifax responded XX/XX/XXXX with a single page stating results are accurate an account has been verified and this is their only time responding. XXXX never responded at all. I request the means of validation not verification. There was no update to the outdated XXXX XXXXXXXX XXXX XXXX XXXX as a matter of fact it is debt that was sold to XXXX XXXX who reported the debt at the same time XXXX was still reporting a delinquency, so It appeared two different companies had me in collections when it was for the same account, therefore only one was supposed to be reporting once sold. I reached out to XXXX XXXX and they said they no longer service the account nor do they have any information besides the account is a charge off and out of their hands. Going back to the bureaus none of them would remove XXXX or show how the account was validated. Equifax went further and updated the dates on the account to XXXX dropping my score because it looks like this was a recent charge when in actuality it was from XXXX when the account was sold to XXXX XXXX  XXXX I paid XXXX XXXX  and they removed themselves immediately after payment but XXXX just has all the wrong information ( non-matching ) listed on Equifax, XXXX, and XXXX and it's causing me issues with bank underwriter 's thinking it was a recent charge off due to the dates on all bureau 's not matching but they refuse to remove the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
They had reversed some of my money without my permission now my account is ruined and it wasn't my fault they said I had disputed something on my card when I didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 notified Transunion on XX/XX/XXXX that information on my credit report was inaccurate and that the furnisher never validated the information. I asked them to conduct and investigation and correct or remove the inaccurate information and they failed. They are continuing to report inaccurate information and refuse to conduct a proper investigation.

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