BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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:
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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent 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 2022-11-30
Company: BLINCLOANS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
have an payday loan that i didnt apply for also have had it removed from my report before and it has reapeared on my account need it removed. Blinc loans XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX  closed my account and reported a charge off to XXXX, XXXX and XXXX and my Consumer Rights have been violated and I have been defamed. I communicated with this company honestly and earnestly without resolve. My last good faith attempt was simply asking them to validate the alleged debt by sending me an accounting of said credit. I did not refuse to pay ; a debt validation request was sent and next this I knew.. my account was closed and now my Consumer credit scores are inaccurate and it's effecting my health and livelihood.

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 2019-08-03
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/2019 CREDIT MANAGEMENT LP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C.  1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NY
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:
This is my second 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 an 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$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 non-monetary relief
Consumer complaint received 2023-06-28
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have one credit card with Fortiva ending in XXXX with a 34.74 % Annual Percentage Rate The Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
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:
.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. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX, Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXXXXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX CARD XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX Acct 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
Consumer complaint received 2019-08-03
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Soo I have been a home owner for 20 years my loan has been bought and sold numerous times which basically means your stuck with the company you didnt get to choose so my mortgage was taken over back In XXXX the new company has a different set of rules then any other company Ive dealt with in the last 20 years of homeowner ship that I find unfair and predatory and here are my examples first they havent sent me a single letter let alone a mortgage statement second I have always been able to have a 15 day grace period to pay mortgage not with this company third if I chose to make a payment from an automated phone call its {$12.00} free with the other 7 companies if I choose to pay online its free till the 4 th of the month then there is a fee again usually free till the 15 with any other company there are more issues but what Im getting at is how is it fair for them to change the terms of a loan on me without my consent

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 2023-09-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I did a wire transfer on XX/XX/XXXX of {$15000.00} from my Wellsfargo bank account to a XXXX XXXX XXXX recipient. The account and counting number was accurate however the beneficiary name used in the transfer was XXXX XXXX ( Business Owner ) instead of XXXX  XXXX ( Business name ). I reached out to Wellsfargo to make the amendments on XX/XX/XXXX. I was told it will be done and the recipient will get the Money by XX/XX/XXXX. I called XX/XX/XXXX to open a case and requested a refund Claim # XXXX, I was told it will take XXXX working days. I called on XX/XX/XXXX and XX/XX/XXXX and was told it would take XXXX business days which was a different information. I said okay. XXXX working days was XX/XX/XXXX. I Called again - still no update I was told it was assigned to someone XX/XX/XXXX and no update. I walked into the branch on XX/XX/XXXX still no update. My wire transfer fee of {$25.00} was refunded XX/XX/XXXX but my {$15000.00} was not refunded. I called again XX/XX/XXXX and was told they are busy and do not need to look into the file until its the XXXX working day which to the representative started counting on XX/XX/XXXX when he received the file not when I opened the case. I said okay so where is my money? he said they need to investigate, I said what have you been doing since I opened the case? he said hes been busy, today XX/XX/XXXX I Finally got an official communication telling me they do not have an update and they need time to investigate I should give them another XXXX business days which will be XX/XX/XXXX. This delay has cost me loss in my business, emotional stress and discriminated against because I am XXXX. I would like to hold Wellsfargo accountable.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: NV
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited XXXX  days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

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 2023-01-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Per XXXX XXXX and experian XXXX XXXX are reporting at least 3 bankruptcy # XXXX # XXXX # XXXX in which they all state that this has been filed jointly with someone else which this two is inaccurate information per usc 1681 b permissible purposes which means I have a right to be notified when these credit reporting agency are putting information on your credit report all four of these credit reporting agencies have never called or sent anything in writing per usc 1682a that I as the consumer have a right to fair and accurate credit reporting when I filed a dispute with experian they re verified information that the reported I am Also a victim from the data breachs in which XXXX and XXXX and experian had which cause my soical to be leaked on the dark web.

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 2023-12-12
Company: Lefkoff, Rubin, Gleason, Russo & Williams, P.C.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Why are you indicating that XXXX XXXX XXXX XXXX XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached COURT documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$0.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for XXXX XXXX XXXX XXXX XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
MY BANK OF AMERICA MASTER CARD BILLING STATEMENT SHOWS THE NUMBER IN FULL ON THE MONTHLY STATEMENT AND PAYMENT COUPON. 
IF MY MAIL IS MISSDELIVERED, LOST OR STOLEN, I AM AT RISK FOR ID THEFT! 
I WENT TO A LOCAL BRANCH IN PERSON TO SAY THE ABOVE AND RECEIVED PABLUM BY WAY OF COMPANY RESPONSE. 
THE SOLUTION IS TO TRUNCATE THE CCN TO ITS LAST 4 DIGITS ON ANY PUBLIC FACING MAILINGS/CORRESPONDENCE, LIKE OTHER COMPANIES DO.

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 2021-11-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
One of my loans is {$89.00} per month. The other loan is {$100.00}. I allocate {$150.00} per loan each month. Navient still allocates the way the payments are applied, even though I am paying more than the amount due each month. This keeps the interest adding up and the loan never seems to go down. Also, even though I am paying over the amount due each month, the interest continues to add up. I have been paying on this loan since XXXX and it is down to {$6000.00}, but it should be paid off by now. I am paying over the amount due each month so the monies I allocate for each loan should be allocated as such. It seems that all Navient does extend the loan so that it takes more time to pay it off. Navient truly XXXX. Please help. I have tried everything, but keep getting the same answer and that is they say the Federal Government is responsible for it taking so long to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
There is a discrepancy on my credit report that I have been disputing for a while ; from XXXX XXXX XXXX XXXX ( d/b/a XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

The reported debt is neither private nor federal student loan, rather an institutional loan granted by the college for which I have written notification ( dated XX/XX/XXXX ) from the XXXX XXXX, Vice President of Student Affairs, stating the balance was forgiven and zeroed out. 

Despite such documentation, the school continues to negatively report on two of the three credit reporting bureaus, adding {$89.00} to the balance each month, causing it to reflect a current past due balance of {$9600.00} as of XX/XX/XXXX. 

I have supplied the supporting documentation to Transunion and XXXX and tried to dispute the account so that it can be removed from my report ; however I have been unsuccessful. 

I am reaching out for you assistance in getting this collection removed from my credit reports.

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