BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Inaccurate Bankruptcies

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 2022-10-17
Company: EQUIFAX, INC.
State: NJ
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 have inquiries without my approval. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-02
Company: EQUIFAX, INC.
State: VA
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:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Documents sent certified mail to TransUnion LLC on XX/XX/2021, with no response for more than 60 days. Filed CFPB complaint XX/XX/2021, TransUnion mailed document with deletion of account on XX/XX/2021 & mailed another document on XX/XX/2021 reinserting document. TransUnion is in violation of several laws. See attached.

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 2023-02-28
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. I am particularly concerned about the following accounts : XXXX XXXX XXXX late payment account XXXX XXXX XXXX XXXX charge off account XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX late payment account XXXX XXXX XXXX charge off account XXXX XXXX XXXX  Collection account I understand that these negative items can have a significant impact on my credit score and my ability to access credit. However, I believe that some of these items are in error, and I would like to request that they be removed from my credit report. 

I also want to note that the impact of these negative items has been extremely difficult for me and my family. It has caused us a great deal of stress and XXXX as we have struggled to secure the loans and credit we need to maintain a stable financial situation. 

Furthermore, I would like to remind you that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information that appears on my credit report. I request that you investigate these negative items and provide me with a detailed response explaining the results of your investigation. 

Thank you for your attention to this matter. I hope to resolve these disputes as soon as possible. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX had split up. All communications from XXXX XXXX ceased. I was not told that XXXX is the new loan holder. I did not received any communications from XXXX regarding the split or that they are in charge of my student loan. 

In XXXX XXXX & XXXX took me to court on behalf of XXXX. I did not know who XXXX was, and still have not heard from XXXX except for the yearly student 1098-E Tax form. I've contacted XXXX to ask them why they are sending me the form when I have never made any payments to them. During the court hearing I was informed that XXXX is XXXX XXXX. 

I was ordered to make payments to Harris & Zide. I asked the attorney representing Hariris & Zide what my monthly payment is,. and he responded " whatever payment you can make. I leave it up to you. '' I've been paying either {$100.00} or XXXX a month. 

Harris & Zide returned my payment for the month of XXXX, XXXX. The letter dated XX/XX/XXXX, stated that " the check is being returned due to ACCOUNT CLOSED WITH OUR OFFICE. '' The letter was from XXXX XXXX, XXXX XXXX. I immediately called and left a message. No one from Harris & Zide returned my call. On XX/XX/XXXX, I sent a letter to Harris & Zide for clarification on what " Account Closed '' mean. Do I still owe the money, should I still be sending a payment, the status of the judgment against me. 

On XX/XX/XXXX, I called Harris & Zide again. I was told by the staff member that my account is closed, and that I have to contact XXXX XXXX regarding my payment. I Responded that it was Harris & Zide that took me to court. All payments were made to Harris & Zide since XXXX. 

Prior to the law suit no one at XXXX XXXX has any record of me. No one from Customer Service could help me because they could not find me. Had XXXX XXXX contact me to let me know that my account is no longer with them and that XXXX is handling my student loan I would not have a judgment on my record. 

No one has reached out to me regarding making payments. In XXXX XXXX have no record of my account, XXXX did not respond to any of the letters I wrote asking for documents showing that I have a loan with them. 

I can not contact an agency that I have no dealings with in over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I,  XXXX   XXXX  believes that a major national bank has colluded several federal guidelines and consumer laws that were initiated to protect my rights as a consumer in the American economy. I attach items showing my fight against  XXXX   XXXX  and  XXXX   XXXX   XXXX  as Trustee. My argument has always been that  XXXX   XXXX   XXXX  had no financial right to foreclose, that my rights to an initial modification was voided by a trick imposed by a former loan servicer to obtain a default judgment of foreclosure. Now, after tens of thousands of dollars spent to avoid a foreclosure, I have a new law firm representing my interest called the  XXXX   XXXX   XXXX . Previously, I submitted a complete outline to the  Federal Housing Finance Agency,  Inspector Generals Office ( FHFA-OIG ). That federal agency is in position to give relief on my house indebtedness by legal precedent. The office simply shelved by request to intercede on the foreclosure/principal reduction matter. Now, as I have submitted multiple financial items for a modification that should have been granted years ago, my foreclosure is re-scheduled again. The foreclosure can not be scheduled while the mortgage is being transferred to a new servicer. My new servicer is known as Fay Servicing , LLC,   XXXX   XXXX    XXXX   XXXX ,  XXXX , IL  XXXX . This agency must cease and desist all further foreclosure processes immediately as such a servicing agency has not had the file in hand long enough to fulfill my protected rights under the expanded Fair Debt Collection Practices Act of  XXXX   XXXX ,  XXXX . Under federal guidelines, all foreclosure procedures must stop, and I request a full investigation into  why the Federal Housing Finance Agency, Insp ectors Generals Office ( FHFA-OIG ) never took my original request of  XXXX . This inconsistent way a massive federal bank such as  XXXX   XXXX   XXXX  can hire the finest of law firms, paying tens of thousands of dollars that will be covered b y the Federal Deposit Insurance Corporation,  all due to the  XXXX  national real estate meltdown, is a sham. Fay Servicing , LLC must contact the  ( FHFA-OIG   ) to reopen my case for initiation of a principal buy-down. My home is worth {$120000.00} by appraisal , and   XXXX    XXXX   XXXX  desires to foreclose on a {$220000.00} debt that shows a 90 % debt over value. I must be given proof that the  XXXX   XXXX ,  XXXX  foreclosure has been cancelled, and that a serious consideration is given on principal reduction to restructure the debt in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Army and Air Force Exchange Service
State: MO
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 USC 1681 Section 602 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.

15 USC 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 2021-03-20
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The bank company recently switched how consumers are to pay down their line of credit. At first I was locked out of using their new payment system until I agreed to new terms and conditions. The 11 pages of terms of use were confusing and convoluted - So I called in and asked for an explanation which was provided stating that this was only to change their fee schedule and amounts. However on follow up I still wasnt able to make payments down to zero due to the interest nature on this account which previously I had no problem in settling. Now according to this new process it is mandated that I carry a balance with no easy way to settle the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-03
Company: CITIBANK, N.A.
State: IA
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 called XXXX XXXX XXXX numerous times on a count that was listed on my credit report from Sears credit card through Citibank the card was not mine the account was not mine the balance on my credit report {$1700.00} over 6 months and I reported to the credit bureaus at that balance was not mine the account was not mine they finally removed it 30 days ago and I dropped XXXX points they both told me that Sears is the one that dropped my points I would have to contact Sears Citibank credit card but the count was not mine Sears credit card has no record of me Citibank has no record of me the accounts belong to a relative the relative loss the credit card 3 months ago reported fraudulent activities the card was shut down 3 months ago but for some reason the XXXX balance and the credit card was on my credit report still I reported to the credit bureaus but that card balance and a car needs to be removed off my account it was a fraudulent account the account no longer exists for over 4 months I try to credit bureaus finally moved the account and I was about 20 points for it XXXX told me that Sears credit card Citibank was responsible for the points but yet I can't get an answer from either party due to the accounts not mine the relative that the account belong to can't have access to the account because it was closed over 6 months ago due to the fraudulent activities on the card credit bureaus told me that they can do anything about it until Sears contacts them to change it how can Sears credit card Citibank change a credit score when they have no record of me and their systems credit bureaus are not giving me a straight answer nor are they helping me resolve the issue of my credit points of 20 points being deducted from my credit score nothing happened to my relatives credit score when they count was removed from their credit reporting account. 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 2022-11-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX, XXXX. Acct # XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX - XXXX XXXX Acct # XXXX US DEPT. OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX US DEPT . OF EDUCATIONXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Bankruptcy Reference Number : XXXXXXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Avant Holding Company, Inc.
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charges started XXXX, XXXX. 
Three fraudulent charges reported via telephone multiple times and multiple emails. 
I talk to a fraud dept., nothing is done. 
I called the merchants, fishy, no charges to me. (???? ) I reported this. 
I found out today that a loan with them was denied, I did not apply. This is identity theft. 
I found the account, the card is active, I did not activate a new card. 
These people seem to be scammers themselves.I locked this account again. 
Please investigate them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: SYNCHRONY FINANCIAL
State: MN
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 am writing to file a formal complaint regarding an unauthorized inquiry made by SYNCB on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to resolve the issue. As a consumer, I am well aware of the protections provided under the FCRA. Section 604 of the FCRA clearly states that consumer reporting agencies, such as SYNCB, may only furnish a consumer report under specific circumstances, one of which includes " in accordance with the written instructions of the consumer to whom it relates. '' To the best of my knowledge, I have never provided written consent to SYNCB or any related entities to access, gather, or inquire about my credit report. Therefore, I strongly believe that the inquiry made by SYNCB is unauthorized and in direct violation of the FCRA. I understand the importance of protecting my personal information, particularly in the context of credit reports. The FCRA explicitly directs consumer reporting agencies to treat their duties with fairness, impartiality, and respect for the consumer 's right to privacy. By conducting an unauthorized inquiry, SYNCB has failed to fulfill these obligations and has infringed upon my privacy rights as a consumer. I am seeking immediate resolution and request that the CFPB thoroughly investigate this matter. In doing so, I kindly ask for : 1. Verification of the unauthorized inquiry made by SYNCB on my credit report.

2. Appropriate actions taken against SYNCB to rectify this violation of the FCRA.

3. Assurance that SYNCB will cease any further unauthorized inquiries on my credit report.

4. Compensation for any damages or harm caused by this unauthorized inquiry, if deemed necessary. 
I expect a prompt response from the SYNCB regarding the initiation of an investigation and the subsequent steps taken to address this issue. 
Additionally, I would appreciate regular updates on the progress of the investigation and any actions taken by the CFPB. Please note that I have retained copies of all relevant documents, including my credit report, for reference and potential legal action should it become necessary.

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 2023-02-17
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
American Credit acceptance has stated that my vehicle has been charged off and due to this IRS has stated that I had a cancellation of debt in the amount of {$9300.00} and this amount was included on my tax return as income when my tax return was audited and cause me to owe {$3400.00} to the IRS. The vehicle in question was repossessed and auctioned off on XX/XX/2022. The proceeds of {$8000.00} went towards the loan amount which brought my balance to {$6800.00} and they are still billing me for this amount. Irs informed me to contact ACA to get a statement that states that the cancellation of debt was sent in error. I called them in XX/XX/2022 and the agent stated that the charges were not written off and no debt was cancelled. I reached out again on XXXX and the agent states they sent the account to a third party ( XXXX XXXX ) to collect the balance remaining. of {$6800.00} since the vehicle was sold on XX/XX/2022 and no debt was cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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