BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Send me physical documentation that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, I DEMAND immediate DELETION of these items from my credit report. 

XXXX XXXX {$5900.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) {$3600.00} XXXX {$3000.00} XXXX  XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) {$1500.00} XXXX  {$1100.00} XXXX  XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) {$1000.00} XXXX XXXX {$850.00} XXXX XXXX  XXXX {$820.00} XXXX  XXXX {$640.00} XXXX  XXXX {$700.00} XXXX  XXXX {$1400.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
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'm never late. The Bank agreed to update this account due to a family tragedy. Please update this account ASAP. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: GA
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 11th 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
Incorrect credit limit ( says {$1100.00}, actually over {$3500.00} ) creating artificially high utilization ratio which is decreasing credit score and creating undue financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have repeatedly asked SLS to provide me with specific documents related to this illegally processed loan. Instead they inundate me with dozens of irrelevant documents, form letters and old non-related items that have no bearing on what I am asking for. Today I am hoping CFPB will assist in my Qualified Written Request ( QWR ) to obtain just One Document : A COPY OF THEIR NOTARY 'S LOGBOOK SHOWING MY SIGNATURE AND THUMBPRINT FOR THESE LOAN DOCUMENTS.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX Filed on XX/XX/2017 Reference number : XXXX and 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 a consumer reporting agency can not furnish a accounts 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 these 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 non-monetary relief
Consumer complaint received 2021-06-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened an account with Citibank and deposited a check from my mother and Citibank had already taken the money out of her account and apparently put a hold on my account and said there was fraud investigation. They've held the funds for over 13 business days as well as their customer service is horrible I've been on hold for the past 40 minutes trying to get my account unlocked and apparently they hung up on me and they refused to lift the hold and give me my money and close the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX and again XX/XX/XXXX I received a Notice of Default on a property that I own in Washington State. No action was taken by Nation Star ( the lien holder ) at that time, just the notices. XX/XX/XXXX I called Nation Star to see if they would consider a deed in lieu and began working with one of their employees named XXXX XXXX. By XX/XX/XXXX it was decided by Nation Star that they would not move forward with the deed in lieu because of site issues with the property. I then started working with the short sale department with Nation Star. I had a buyer and a back up buyer on board at that time. 
Nation Stars policy regarding short sales, I was told then and just again today ( XXXX/XXXX/XXXX ) is to hold an auction. There were XXXX auctions from XX/XX/XXXX through XXXX XXXX without a bid on the house. I was told by Nation Star that they would put the house up one more time before XX/XX/XXXX and if no buyer was found then they would proceed with the foreclosure. So my real estate agent and the buyer walked away from the deal. In XXXX of XXXX I was contacted by Nation Star to see if I would consider another short sale agreement and I said that I did n't think that my real estate agent would agree nor the buyer if another auction would be a part of the short sale process again. They told me that since the Notice of Trustee Sale was to be held in XX/XX/XXXX they probably would n't move forward with an auction, so I called my real estate agent and she called the buyer and we began again the short sale process. As of today, XXXX XXXX, XXXX, Nation Star wants to proceed with another auction on the property. I had requested in writing that they bypass the auction and either proceed with the short sale or go to foreclosure. I was told that they would consider what they wanted to do and would contact us through their equator program. Have n't heard a word from the equator XXXX XXXX with Nation Star. That request to bypass the auction process was delivered over a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm using cash app to send out and receive money and I'm also using these the XXXX also, been using cash app for awhile for some reason they closed my accounts recently at the end of XXXX or the begining of XXXX of XXXX. I keep writing and writing and called them like once or twice to find out why was my account close and they seem like they have no answer, on the phone they said there was no explanation to the closure of my accounts and I personally wan na know why. they keep giving the same old answer. can someone help on this issue. I've been having problems or trouble with cash app from the beginning of this year. I honestly don't understand what I did wrong when i all I was doing was receiving payment sending payments and using the XXXX  on cashapp. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: AL
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am writing to file a complaint against Navient regarding their unfair practices and harassing behavior towards me and my late mother. Despite multiple attempts to come into a fair payment arrangement with them, I have been repeatedly charged for payment arrangements, and my principal balance never seems to go down. 

Furthermore, during the pandemic, when I was in financial difficulty and asked for deferment, they refused to help and instead called me and my late mother every day. I politely requested them to not call me and my late mother, but they continued to do so. 

The situation has now escalated to the point where they are calling my job and being rude to my coworkers. They even disclosed my account details to my coworker, which is a blatant violation of privacy. I feel extremely uncomfortable and harassed by their actions. 

I am frustrated and deeply concerned about Navient 's unfair practices and unethical behavior towards their customers. I have tried to resolve the issue with Navient directly, but to no avail. 

Therefore, I am requesting your assistance in resolving this matter. I urge you to take appropriate action against Navient and ensure that they comply with the relevant consumer protection laws and regulations. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous complaint & I am including it again., XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date Updated : XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NY 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 2020-08-10
Company: 2288984 Ontario Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Company has not contacted me for over 2 years regarding this debt. They called from an unknown number threatening to send police and contact my supervisor at work to find my location. Proceeded to contact family members and ask if I live there and stating they would send police to verify if I didn't contact them. I called as soon as I could. They proceeded to put me on a payment plan that is above my means currently but I agreed so they would not continue to harass me or my family. They did not give their name or any information other than the phone number and case number. I do not have anything in writing to confirm the payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, XXXX, Equifax ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} XXXX XXXX  XXXX Balance {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate you taking the effort to delete some of the items from my file that were allegedly obtained through identity theft, but I still need to delete a few more. Any goods identified on an ID THEFT REPORT must be removed in accordance with FCRA section 605 of the law. This report was originally included in a prior letter, so I'm including it again. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX AV XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$530.00} ; 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 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company contact me about a debt after I asked them not to. 

After confronting representative and sending them an affidavit of Truth that is still unrebutted, they have agreed to committing the usc/consumer violations and continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: PA
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:
This letter is regarding account 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 which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint [ XXXX ] In your response, you said that you sent thedocuments to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION, but DEBT VALIDATION LETTER. 

This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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 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, 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 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