BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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:
To Whom It May Concern, I need assistance from your agency in order to help me with Chexsystems and the reporting that they do. I have been disputing a lot of inquiries, addresses and phone numbers. These issues need to be resolved correctly with their removal and they shouldn't continue to reappear. These items that I have listed needs to be removed : XXXX XXXX XXXX XXXX, NJ XXXX - is not my correct address -Remove ( XXXX ) XXXX is not my phone number XXXXremove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove ( XXXX ) XXXX is not my phone number - remove Inquiries - Disputing as I did not give the financial institutions permission to pull my report : XXXX 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, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  -5/15/2020 Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Blackhawk Network Holdings Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
User for years with XXXX XXXX. Received from work XXXX XXXX. No issues until now. This run around & getting poor resolution is unfair & unacceptable. Had {$130.00} bal for over a year. Used card for purch in XXXX it declined. Purchase was {$40.00}. They said no issues on their side but couldve been issue on merchants side. Seemed possible didnt try again & kept saving. Work gave points in XXXX. My bal was {$35.00}. Called to find out how to fix it. Told go to website. I couldnt. Found out theres no profile for me anymore. Was told last 2 transactions. I had a fraud charge {$99.00}. Told try review text alerts of purchase. Explained I never received any alert if I had this wouldve been handled right then. Asked how & when did my profile get erased. They couldnt tell me. They finally understood with no profile there's nothing going to be sent. I wouldnt know of a problem. They said wait for email 24-48 hrs they would have a resolution. Was told get a new card since mine was compromised. Called company several times in two weeks still no email. They would escalate again. Just received new card had to register new profile which now works. Checked new cards bal hoping to see orig {$130.00} & nope its only {$20.00}. Old bal was {$35.00}. They charged a {$15.00} replace fee. Just got email saying sorry but charge was over 60 days old theres nothing they will do to reverse fraud charge. Called to escalate got same thing. Was told with new card I can start over. Tried getting my company to help asked if they could help with reimbursing {$99.00} charge since work is a finance bank & they offer card to employees. They said sorry we just use this company go back to them. Blackhawk wont help. They didnt help in XXXX when all this could have been avoided. Just found out fraud charge was reason orig purchase didnt go through. This company dont care about their users and making things right. They just want to charge you fees & take your money. They are thieves. If you are lucky enough to get a response from the company its just a generic auto response. They do not fix any of the issues. I will also be filing a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2008I was declared XXXX and tXXXX XXXX by SSI. I was unemployed and was having trouble repaying my loans. I was told I was out of all forbearance and deferments. I spoke to many customer service agents and at one time I began to plead and said that I was XXXX. All of a sudden I was put on hold and then they asked if I had proof and I said yes, so I sent them my letter from SSI which stated I was XXXX XXXX and that my case wasnt to be reviewed for 7 years. They then said they could put me on a special deferment and nothing more was said. Fast forward a few years, I found out that I had been eligible for complete and total forgiveness of my student loans due to my XXXX and the SSI letter I faxed them, and all of the information I had provided them. Not once was this information mentioned to me about XXXX   forgiveness. Instead I was put on continual deferments making my original loan payment balloon to more than twice what I originally borrowed. I feel this was just such a disgusting manipulation and intentional malice on the part of this company. Truly disgusting and dishonest behavior, to intentionally not mention that I had qualified for total forgiveness due to my XXXX XXXX which they were aware of. I had been unemployed and XXXX for many years. If I had known of this exception ; if I had been given this information by my loan servicer Sallie Mae, I could have applied for forgiveness, and due to me not being able to work for many years, my loans would have successfully been forgiven a long time ago. Many years later, I was able to receive proper medical help and have now recieved employment and am now off SSI, which is great. However, I now have a ballooned loan so big due to Sallie Maes special deferments for my XXXX that I will probably never be able to pay it off, and it angers me that this could have been forgiven years ago. Sallie Mae is a corrupt and dishonest company, and sucks money from and lies, even to XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX # XXXX open on XX/XX/2015 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 explanation
Consumer complaint received 2018-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax, and XXXX XXXX/XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Equifax responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by Equifax. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by Equifax. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
Since XX/XX/ I have sent multiple letters to the Credit Reporting Agency regarding : XXXX XXXX XXXX ) ACCT # XXXX their negligent handling of my credit information. Despite numerous attempts to rectify inaccuracies on my credit report, the Credit Reporting Agency has failed to address the issues promptly and efficiently.

The Credit Reporting Agency has incorrectly listed several delinquent accounts on my credit report that do not belong to me, tarnishing my creditworthiness and hindering my financial opportunities. Despite providing ample evidence proving the errors, the Credit Reporting Agency has not taken appropriate action to correct these inaccuracies within the mandated time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # : XXXX I am writing this letter to formally lodge a complaint against Cavalry Portfolio Services , LLC regarding your abusive , deceptive, and unfair collection practices in the collection of extensions of credit. As a federally protected consumer, I am deeply concerned about the conduct of your company, and I believe it is essential to address the issue promptly.

I refute any alleged agreement or contract, whether implied or explicit, between myself and the original creditor. Moreover, I have never provided any consent for your company to possess my nonpublic personal information. This account is, in fact, a billing error, and I expect you to provide me with documentary evidence of the obligor 's indebtedness.

Additionally, I have reason to believe that Cavalry Portfolio Services , LLC is conspiring with consumer reporting agencies to cause a restraint of trade and commerce, which amounts to racketeering activity. Such actions are in violation of the False Claims Act and are seriously jeopardizing my consumer credit reputation with other financial institutions. By fraudulently furnishing this alleged debt to coerce payment, your company has resorted to threats, duress, and coercion, thereby exercising undue influence.

I want to make it clear that I am legally refusing to pay this debt under the provisions of 15 U.S. Code 1692c ( c ). Therefore, I demand an immediate cease and desist of all illegal activity, communication, and collection efforts related to this and any alleged debts until Cavalry Portfolio Services , LLC provides sufficient documentary evidence of my legal obligation to pay.

Failure to comply with this cease and desist notice will leave me with no choice but to pursue legal action for actual damages caused. In such a scenario, Cavalry Portfolio Service
s , LLC will be held accountable for violations of various acts, including but not limited to TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act.

I hereby request that you promptly provide me with the necessary documents supporting your claims. The receipt of this notice invokes my rights under UCC 1-202f, and I expect a timely response from your company.

Your immediate attention to this matter is both requested and required. I anticipate a resolution within [ state a reasonable timeframe, e.g., 30 days ] from the receipt of this letter.

Please consider this as an opportunity to rectify the situation and resolve the matter without resorting to legal proceedings. I trust that you will treat this matter with the seriousness it deserves and act in accordance with the applicable laws and regulations. 

( ACCOUNT NUMBER : XXXX ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional home loan with PNC mortgage, which is the company I used to purchase my home 12 years prior. I was relocating a few states away and process seemed to be going slowly with no updates and then finally no communication from the loan officer or her processors. My Realtor and I inquired as to the Appraisal and was told it was completed, but then the Appraisal company told me and my Realtor a few weeks later that they didn't ever complete it. I had paid almost {$600.00} for the appraisal ahead of time. I ended up going to another Mortgage Broker ( XXXX XXXX ) to save the contract and I was able to get the loan closed after a few weeks. I requested my money back from PNC and the loan officer on XX/XX/2021 and was told she would look into it but I have not had any further communication or my money refunded to me. I ended up paying for an Appraisal that I never received and having to pay again for one I did receive from the new lender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any 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 2023-06-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Xtreme Products LLC
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: Was not notified of investigation status or results

Complaint:
XX/XX/2018 for {$820.00} I have requested that this account be investigated multiple times. For the last 3 years I have sent multiple disputes and request for the validation of this account. I have never have received investigation response for neither of the 3 major credit bureaus. I have sent in multiple request trough certified letters and I have yet to receive anything back from this creditor.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NM
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.

The letters are stated with items and issues. 

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 2022-01-17
Company: Rent Recovery Solutions
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: Account status incorrect

Complaint:
In XXXX of XXXX, I spoke with a representative at Rent Recovery Solutions about their report on my wife and I credit. The report says collections/chargeoff. I have paid the balance off and was told by a representative at the Rent Recovery Solutions that the report will stay on my credit even though I have paid the balance. I then contacted CFPB and they helped me submit a complaint ( # XXXX ) against the company Rent Recovery Solutions XXXX The company responded and said that removing the report from my credit would take a some weeks to process. I contacted Rent Recovery Solutions in XXXX and they said that it takes 90 days to be removed from my credit report starting the day I reported the error to them in XXXX. It is XX/XX/XXXX and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: FL
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 working on several things listed on my credit file that report as duplicates and are past the statue of limitations. XXXX  and Experian keep reporting several student loans twice under different companies. There are a total of 9 student loans reporting with XXXX XXXX that should have been removed because they were transferred to XXXX XXXX XXXX XXXX. Both companies report the same exact information and XXXX XXXX no longer have the accounts. The delinquency months are the same, same open dates everything is the same. They are the same exact accounts however looking at the report they appear to be an extra 9 negative files. When a mortgage company transfers the servicing they remove the initial company and report the account with the servicing company the same with any other company for that matter. If you sign up with someone and they don't hold the loans they don't have the information because the new company has all information.

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 2023-05-24
Company: EQUIFAX, INC.
State: LA
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2021-08-23
Company: EQUIFAX, INC.
State: NV
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation