BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: ECMC GROUP, INC.
State: UT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am responding to CFPB Complaint # XXXX. Another Administrative Wage Garnishment Letter was sent by ECMC to my employer, even though ECMC told my attorney via phone that they XXXX   and a cancellation letter was sent out to my employer. My employer has not received a cancellation letter. My employer told me that ECMC is threatening to sue them for not garnishing 15 % of my gross pay. ECMC states in their response to complaint # XXXX that they sent their attached XXXX XX/XX/2019 letter and a Financial Disclosure Statement form to fill out and return within 15 days of the Letter to my attorney, but there is no form in this letter. My attorney has not communicated with me that he has even received this letter. 

The letter they attached for the complaint is addressed to the wrong address for my attorney. My attorney faxed and emailed with ECMC. Why can't ECMC type the right address on letters? Why can't ECMC fax or email with my attorney like he does with them? This is evidence of ECMC NOT COMMUNICATING WITH MY ATTORNEY. 

ECMC is dishonest, incorrigible, and impossible to work with. They will not work with my attorneys and this has been going on for a decade.

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 2023-08-23
Company: EQUIFAX, INC.
State: DE
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding the violation of the Gramm-Leach-Bliley Act ( XXXX  ) in relation to my credit report. I believe that these credit reporting agencies have failed to comply with the provisions outlined in the XXXX, specifically with regard to the protection of my non-public personal information. I have recently reviewed my credit report and identified several accounts and inquiries that are still being reported even against my consent and that I believe violate the XXXX. The accounts in question are as follows : XXXX. XXXX Formerly XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( authorized user ) XXXX. XXXX XXXX  ( authorized user ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXX  ( closed ) XXXX. XXXX XXXX ( closed ) XXXX. XXXX XXXX ( closed ) Additionally, the inquiries on my credit report that require immediate attention are from XXXX XXXX  and XXXX XXXX there are no accounts associated with these inquiries. I hereby request that the aforementioned accounts and inquiries be promptly and permanently removed from my credit report in accordance with the XXXX. These inaccuracies not only tarnish my credit history but also compromise the privacy and security of my personal information and I have made it clear that they have been reported against my consent numerous times. Furthermore, I request that XXXX, XXXX, and Equifax cease the disclosure of my non-public personal information to any third parties without my explicit consent. I expect these credit reporting agencies to comply with the XXXX and protect my privacy rights as mandated by law. I kindly request that you investigate this matter thoroughly and take appropriate action against the credit reporting agencies involved. Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a document stating that XXXX XXXX XXXX is who I am applying. 
for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offers. I finally got up and went home. When I returned home, I seen that there are seven other banks on my Experian account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the return mailing back from The Office of Attorney General California it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX XXXX XXXX me. I was not told of any other bank my word of mouth nor by paperwork when I was there on XX/XX/2023, I find that what XXXX XXXX did was deceitful into doing. 
one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize.

may I remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements. 
does not show he was checking another bank. Also, when I went into the financial office XXXX XXXX had. 
everything ready for me. Which means he made eight bank?

loan offers on his own without my permission while I was.

waiting in the lobby to call me in the office.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX KY XXXX To Whom It May Concern, Experian XXXX disregard of the law. I told Experian these inquiries were fraudulent and the continued to report inaccurate information on consumer report. I sent them a FTC Fraud Report but they ignored consumer. Experian refused to remove inaccurate and fraudulent information from consumer report. My information was sold and brought illegally because I was a victim of the XXXX XXXX XXXX. I want these items below DELETED from my credit reports effective immediately. The FCRA does not stipulate 2 years however it does say up to one year. Law always trumps your policies or guidelines. I did not authorized these inquiries : * XXXX XXXX  XX/XX/XXXX, and XX/XX/XXXX *XXXX  XXXX  XXXX XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Deleted and {$8000.00} monetary damages per violations of the Fair Credit Reporting Act Experian violated the consumer eight times with 15 USC 1681b - Permissible Purposes CFPB please make them comply to the Federal Law.

FCRA 616 Civil liability for willful non-compliance FCRA 617 Civil liability for negligent non-compliance

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

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 2019-08-23
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My financial aid package, which was tediously setup by the financial aid office at XXXX XXXX XXXX, currently includes a remaining XXXX in private loans and just under 8k in federal loans. I pay {$160.00} ( federal ) and {$250.00} ( private ) consolidated loans to Navient ( formerly Sallie Mae ). I have just over 31k in remaining balance. If I continue paying at the prescribed monthly rates until the loan matures, I will have paid over {$190000.00} over the course of 40 years. This is an egregious amount to pay over most of my lifetime, for a degree that will no longer be recognized as an industry standard acceptable degree from a reputable school. As such, I am seeking some retribution from the company that defrauded me into believing that I was paying a reasonable price for an industry recognized degree in a marketable skillset provided by a well-recognized school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
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: Information belongs to someone else

Complaint:
I disputed morning three times which each agency, they continue the report in accuracies

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: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
My XXXX Member Rewards credit card account, which was previously being successfully managed by XXXX XXXX XXXX, was transferred/sold to Comenity Bank with an effective date in early XXXX. Despite the fact that it was specified that monthly statements prior to the transfer ( for consumers with paperless statements/billing ) would be available online now through Comenity ( see screenshot from approximately XXXX weeks ago ), the statements are not available. Comenity customer support representatives on the phone have been unhelpful, suggesting that I contact XXXX XXXX XXXX to get copies of my prior statements. XXXX XXXX XXXX stated that they transferred the account and that they no longer have the statements nor are they obligated to provide them to me. Comenity Customer Service then suggested submitting a form on their website, which initially seemed to have gone through, but I later received an email stating that there was a " technical glitch '' and the message/form was not delivered. I responded to that email on XX/XX/2022 and have heard nothing back. I have also mailed them a request for statements ( paper mail ) as instructed by their phone customer service agents and have not heard anything back. Now ( as of XX/XX/2022 ) I can not even log into their website, which gives the " technical glitch '' error again, and I just called their customer service XXXX number again only to be told that the system is down and they can not help me nor can they give me a date/time of expected recovery ( only told to try again tomorrow ). There are purchases I made using the original XXXX XXXX XXXX  XXXX XXXX ( prior to the transfer ) for which I am now eligible to be reimbursed by a third party, but I need to submit the statements and I can not access them. This is costing me approximately {$40000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: IL
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 was trying to buy a house and I have just been recently checking on my credit report. While I was checking report I realized it was damages on my report. According to the 15 U.S.C 1681 law there should not be any damages on my report and its a defamation to my character.

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 2023-08-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On or about XX/XX/23 Experian allowed a company without any permissible purpose whatsoever to fraudulently obtain a copy of my Experian credit report. The company who fraudulently obtained a copy of my Experian credit report with permissible purpose is XXXX Co. 

Contacting Experian, they advise that inquiries can not be disputed. 

I also contacted XXXX XXXX and they refuse to do anything. They also refuse to explain how they even have permissible purpose. XXXX XXXX states that they are a credit card processor for various online companies. They further state that over XXXX years ago I made successful payments to a merchant that uses XXXX XXXX to process their payments. The transactions were normal and there were no problems. These payments were XXXX years ago. The FCRA does not show that this activity gives the company permissible purpose, especially since they were one-time events done XXXX years ago.

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 2022-07-22
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed an unauthorized transaction and the company declared that it was an authorized transaction. I called again to have them re-open the unauthorized transaction case and i added the details of the police case number. Within XXXX hours I still was notified that the transaction was authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
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:
I am writing to exercise my rights as a Federally Protected Consumer under the Fair Credit Reporting Act ( FCRA ) and hereby inform you that I am opting out of any and all authorization I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 USC 6802.

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 2022-12-20
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, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX 15 U.S.0 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit account with PayPal and have never been late in making payments. I go online as normal and made multiple payments from my XXXX checking account. PayPal sent me a notification that all of my payments were returned checks, even though I never wrote any checks. I was told that my checking account had become disconnected from my credit account and would not go through even though I made sure it was reconnected. I was then told it takes 4 to 5 days for the re-connection to be completed. That should not be me ( the customers fault ). I tried in good faith to pay on my balance but was rejected because of technicalities. I then called and read my debit card over the phone to pay the original amount I wanted to pay. Now Im told that because these previous payments were rejected ( through no fault of mine ) that my account would be closed, even though I have been a stellar client. This closure will look bad on my credit reporting agencies. But, I was told I basically have to grovel to get this PayPal ( Synchrony bank ) to get them to reopen my account once it is closed. This is unfair and not because I did anything wrong. Only because this company relies on computers to instruct them with how to deal with clients. Im XXXX XXXX XXXX and retired now, and I have great long term relationships with major financial organizations. Here is a relatively new banking institution who knows nothing of the value of a good client, and they could care less to treat me in an abysmal fashion. This cant be legal! It certainly is not ethical!

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 2023-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX, XXXX, and Experian Re : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 
I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 
The items in question are : XXXX All XXXX bureaus have status as late 60 days. 
XXXX last date of payment as XX/XX/22 but also has on the payment history as 30 days late for that month. 
XXXX and Experian both have the last payment date as XX/XX/22. 
Please update to pays on time every time and remove derogatory info from my report for this account. 
After doing so please provide me with an updated credit report reflecting the changes. 
Thank you for your time,

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 2022-12-20
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: ME
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:
For two months now with no new negative information Experian has downgraded my credit rating. 
From XXXX to XXXX. 
Over the same period XXXX  and XXXX have upgraded me to XXXX. 
The only difference in my report is that I have paid off all debt except house. 
They have tried to get me to give them access to my bank account to have their experian boost bump my score but it doesnt seem to work for my bank. 
If they are downgrading me because experian boost doesnt work they dont get to do that. 
Why is XXXX downgrading me with nothing but good things happening? 
Why dont they have to explain to me their logic or lack thereof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called is calling from random XXXX numbers. I f dat I not know who this is or what they want. Looked up phone number online which is how I found out that theyre a debt collector. No voicemails are ever left. I block one number and they call from many others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation