BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 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 non-monetary relief
Consumer complaint received 2018-08-20
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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX XXXX - this account doesn't belong to me Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete. 

XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Identity theft - someone opened a credit card ( XXXX  XXXX credit card through TD Bank ) using my name, address, SSN, phone number from my parent 's house when I was a kid. I was notified by email, and by an email from Identity Theft that TD bank had run a credit check through XXXX. They then ordered a {$10000.00} gold chain necklace through XXXX XXXX, to be delivered to my name at an address on the other side of the country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX ACCOUNTXXXXXXXXXXXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3. 
I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY XXXX.THIS REPORT ON XXXX SHOWS A 30 DAY LATE IN XXXX OF 2016 AND A 60 IN XXXX OF 2016.ON TRANSUNION WE SEE NO LATES WHATSOVER. ON XXXX WE SEE A 30 DAY LATE IN XXXX OF 2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX  XXXX XXXX I WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.

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: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXXXXXX. 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX  XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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 2023-07-27
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. 

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 2019-12-31
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I contacted Equifax to place a credit freeze after credit card information was stolen. The web page would not let me place a freeze and said to call a toll free number. I called the toll free number and was told by a computer that I could not place a freeze and to go to the website that told me to phone. You can probably see the issue here. The alternative was to mail a form to the company, but Equifax has no forms or links to forms on its website and no instructions on the phone line. In short, I am unable to freeze my account. If I try to submit online again, it just loops back to the main page. I had no issue freezing the credit reports at XXXX or XXXX. Only Equifax is impossible to freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient is my loan servicer. I paid over {$500.00} a month on my student loans like clock work ( using autopay ) for over 14 years because I had a good job which allowed me to make the payments with no problem. Unfortunately, after being with the same company for over almost 11 years, I was let go due to the company relocating to California. I continued to pay as long as I could, but then wasn't able to. I called Navient to try and work out a payment plan I could afford and was given no affordable options. I had savings, and was hoping to negotiate a payoff amount. I was told absolutely not an option. I warned if they couldn't work anything out for me that I could afford, and they couldn't negotiate a payoff amount that I'd no longer be able to pay on my loans. They said sorry, nothing we can do. I then HAD to stop paying because I literally couldn't afford it anymore. I am now being sued for defaulting. I still have no job because I haven't been able to find a job that would pay enough to afford child care. Everything I have found would be working just to pay for child care, which defeats the purpose of working at that point. I can't afford a lawyer so I am left with no options at this point. It is very frustrating because I feel like they should have worked with me back when I called countless times to explain my situation. Things didn't have to come to this ... negotiating payments or a payoff amount would have been much more beneficial to both parties. My credit, which was near perfect before this disaster, is totally destroyed. There is a reason there is countless lawsuits against Navient. 
I had paid the amount I borrowed before all this ... I was only paying the unbelievable amount of interest that was attached to the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: WA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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 2016-11-18
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Consumer Financial Protection Bureau I am filing a complaint on the grounds of fraud and harassment by Seterus , Inc . The lending company Seterus , Inc has created an insurance scheme which is affecting hundreds of thousands of Americans and that includes me. 
In XXXX XXXX I filed a complaint with you ( Consumer Financial Protection Bureau ) regarding, Seterus, because since XXXX I received a multiple foreclosure threats notice from this company, and inspired of the multiple calls to Seterus I was never told why my payments were considered late. I had paid every month I never missed a mortgage payment to Seterus, but still the company has harassed me and continued to do so. 

While I filed the complaint with the Consumer Financial Protection Bureau, I was sent a response from Seterus, Inc, informing me I was considered late because I have not submitted proof of insurance ( XXXX Insurance to be clear ) Of course I had never received an insurance proof request from Seterus until the day of the response to CFPB. I have asked Seterus, Inc in my response to submit proof of the insurance request, of course, like many other thousands of peoples ' I have never heard back. 

On XXXX XXXX, XXXX, I submitted a hard copy of my insurance to XXXX XXXX ( per Seterus response XXXX XXXX is the insurance handler ) I also took the precaution of faxing a copy of the XXXX Insurance to Seterus, Inc, on XXXX/XXXX/XXXX almost two months after I have sent via mail and fax a copy of the insurance I received a letter from XXXX XXXX, asking me for insurance proof. I did respond by fax telling XXXX informing them I had already submitted proof two months earlier. 

Since XXXX I have filed complaints with various agencies, including yourself, the XXXX, and XXXX XXXX. I did get a response from the office of financial services informing me I will get a follow up later, but until today I have not heard back. I have heard back from XXXX ( see attached ). I have an appointment with XXXX on XXXX XXXX, XXXX, and I was hoping not to have to proceed with such an action, but I have been left out of resources. But unitl today Seterus, Inc has not offered a solution or a balance of my mortgage or payments. 

Since I complain in XXXX to you Seterus has used the number I provided in this complain to call me everyday at XXXX including Saturdays harassing me for payment. I have recorded the call as New York allows one party consent, and is clear from the tone and language used by Seterus is harassment. 

I need your help and I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-12-13
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient student loans is calling me up to 8 times a day for loan payments that are not even 30 days late. The payment is high, so I have to make it when I get paid. When I asked them why they called so much, they said the state of South Carolina allows them To call me once an hour. Ive received over 30 calls in the last 7 days. This is excessive, especially for a loan Ive been paying for over 10 years and have never fallen 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: LEXISNEXIS
State: NM
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 was informed by an insurance company that I was not given the best rate due to information supplied by LexisNexis. I contacted LexisNexis at their designated contact point ( an online website ) on XX/XX/203. On XX/XX/XXXX I received a letter, that directed me to a web URL to see my report with a PIN ... .which did not work. 

I called LexisNexis ( LN ) on XX/XX/2023 to report this broken system, and was told all I could do was await a written copy of my file in the mail in 7 to 10 more days. I was also told this was a known issue - that many people were unable to see their reports. 

I received another letter on XX/XX/XXXX. Inside were 7 pages of 'boilerplate ' ( frequently asked questions, how to request an investigation, a summary of the FCRA XXXX etc )- but NO CREDIT REPORT. 

I called LN on XX/XX/2023 and spent another 45 minutes trying to get the report I have a right to. I am being told now that all they can do is again request the report be printed and sent. I requested an emailed copy, but denied. I requested that they send this second printed report via XXXX  or other overnight carriers, and was denied this also. 

None of this behavior is in either the spirit nor the letter of the Fair Credit Reporting Act. 
I believe there is inaccurate information in my report, and I am being denied access to it. 

I feel I am entitled to compensation for the 2 hours I've spent trying to get this report, when it should be available very simply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: WA
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:
An account has been reported on my Experian credit report since XXXX. Ive contacted the company ( XXXX  ) and they have refused to give me information on the accuse I told them I never open an account with them and its fraud. I contacted Experian and did a dispute. Thou the information reported is completely false, inaccurate and not making any sense, Experian said the company certified the information is correct thou Experian representatives told me the information shows to be inaccurate. Ive filed fraud with Experian in my dispute and filed the identity theft form online and Experian is still refusing to comply with removing the fraud from my account. I have added an alert to my credit to not extend credit as well. I am out of options as Experian is not following regulations nor are they willing to remove what is obviously fraud

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 2023-12-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, while booking a flight on Delta Airlines on-line, I was offered a Delta Skymiles American Express credit card. 
The offer included {$400.00} credit on future purchases, no membership fee the first year, and {$99.00} in subsequent years. 
When I received the first statement, it showed that I owed for one purchase plus {$250.00} for a yearly fee. 
I called American Express customer service to inquire about the unexpected fee and I was told that the original offer was for a Gold card and not the Platinum card they sent me, which I did not request. 
Additionally, the {$400.00} credit was only good for future Delta bookings and not for other purchases. 
I immediately requested that my card be canceled and the yearly fee rescinded ( I did pay for that single purchase ). 
I have been receiving monthly statements to this day ( XX/XX/XXXX ) requesting payment for the {$250.00} fee plus {$5.00} in interest. 
I called customer service several times, including on XXXX and XX/XX/XXXX to request cancellation of the remaining balance, yet I keep getting statements showing I still owe for the membership fee plus an interest charge that keeps growing every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My credit card was stolen from XXXX and the XXXX XXXX people are investigating and sent me a letter saying so. But when I call in and via emails thar are sent to me and CREDITORS who are calling me : My account is 'past due '. XXXX MUST freeze this account now! Why on earth am I getting late fees and my credit score is being harmed for 'over due account ' when my account was STOLEN from? I am certainly not going to pay off the thievery? What in the XXXX is wrong with XXXX  They need to correct this NOW and alert XXXX, Experian and XXXX. NOW!

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my credit report and there are some fraudulent accounts appearing on my credit report. i will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.

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 2023-12-13
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was used on XXXX XXXX  and XXXX XXXX  is refusing to pay funds won XXXX and now Im disputing every charge I paid into XXXX chime refuses to listen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am writing to you regarding my vehicle, a XXXX XXXX XXXX that I purchased from XXXX XXXX XXXX dealership, on XXXX XXXX XXXX Recently, I have learned that I have had an extended warranty included in my loan AND other charges without my express consent.

Company response to consumer: Closed with explanation