BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MT
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 this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says, I have the right to privacy 15 U.S.C. Section 604 A section 2 it also states a consumer reporting agency can not refurnish an account without my written instructions under 15 U.S.C.1666B A creditor may not treat a payment on a credit card account under an open and 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 2022-12-04
Company: EQUIFAX, INC.
State: MI
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 many credit inquiries on my credit report that I NEVER authorized or approved. I been battling with identity theft for some time now and these inquiries are not any that I inquired about MYSELF nor did I approve anybody else to act on my behalf to obtin these inquiries. ALL OF THE FOLLOWING INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND I WOULD LIKE THEM REMOVED AS SOON AS POSSIBLE. THE INQUIRIES ARE : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OF THESE INQUIRIES ARE FRAUDULENT AND UNATHORIZED AND SHOULD BE REMOVED ASAP BY ALL CREDIT REPORTING AGENCIES THAT ARE REPORTING ALL OR ANY OF THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. In accordance with the Fair Credit Reporting act Bank of America Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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. Please note there is not actual account number listed for this account. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2018-05-21
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX and XX/XX/XXXX I worked with my XXXX XXXX XXXX Navient to agree to terms for a Forbearance. I live in the XXXX and spent much time on the telephone working out these terms. The agreement was that they will automatically deduct {$390.00} per month on the XX/XX/XXXX of each month from XX/XX/XXXX - XX/XX/XXXX, after which we will come to new terms for payment. So far, Navient has deducted the amount on different of each month : XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. This is every three weeks and not on the XXXX of each month. The problem is 1 ) this is not according to the terms of the agreement I made with Navient ; 2 ) this is every 3 weeks, not monthly ; and 3 ) this could cost me fees if my bank balance is overdrawn. Note that I have to wire money internationally from my XXXX checking account in order to get money into a US checking account to make payments. This is going to wreak havoc with my monthly expenses. I have been trying to call Navient for the last two weeks and have been unable to get through to a person. Usually there is a 20 minute wait time, and I can't afford to sit on the telephone for 20 minutes ( paying international rates ) waiting for a representative, not to mention the 10 minute it takes to repeat my information over and over to a robot and then to staff who usually can't help me and have to transfer me to someone else. Today,XX/XX/XXXX, I decided to wait it out and sit on hold, because I need to get this matter resolved. The first time I called, I was on hold for 10 minutes, then was put through to a representative who needed to transfer me to someone who could help me. He did and, in the process, disconnected me. I then called back, sat on hold another 10 minutes, got through to someone else who couldn't help me and transferred me to another representative. By then, I was out of patience at having to repeat my stats and contact information again. I then began explaining what I needed and that I had already been disconnected and could not sit on hold while paying international rates. He hung up on me. I then tried to use Navient 's system to send an email about my issue. I typed all of the above information, clicked on 'SEND ' and received an error message that the system was not working. I need Navient to correct my auto payment details to reflect the agreement that was made regarding withdrawl of payment on my account : XXXX should only be withdrawn from my account on the XX/XX/XXXX of each. This is unbelievable. They are absolutely contemptuous of overseas customers. They have made it literally impossible for me to alert them to the fact that there is a problem - and I will be the one paying for it in overdraft fees, which is absurd since it is Navient who is violation of the terms that they themselves stipulated - terms I have absolutely abided by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-07-13
Company: Experian Information Solutions Inc.
State: OH
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 am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. XXXX XXXX XXXX XXXX Balance : {$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 explanation
Consumer complaint received 2022-03-29
Company: Kenneth, Eisen & Associates, Ltd.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Kenneth, Eisen & Associates , Ltd. at ( XXXX ) XXXX. I called to ask why I was showing a flag from them on my credit report. They gave me the information about the bill and I let them know that it was not accurate information. They tried to get me to confirm personal contact information and I let them know that the date they are saying I gave birth is wrong. They changed the tone of their voice and said well this has never happened and was trying to start an argument with me. I did not respond and just asked for the correct spelling of the provider they were trying to seek payment for and the number to contact the provider.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: AK
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: Problem with personal statement of dispute

Complaint:
I have a mortgage with XXXX XXXX and they have reported me to the credit bureaus for not making payments. I have made every payment this year and XXXX  XXXX just made 3 more payments for me. 
I have been turned into the credit bureau each month since XXXX, stating that I have not made my mortgage payment. Currently I should be 2 payments ahead. I had a credit score of XXXX and now its XXXX, each month it keeps going down. I called several times, I had one call back and they said they were going to fix this mess, nothing has happened for 5 months. I called again and they said that my credit would slowly fix itself, it just keeps getting worse. They ruined my credit score and refuse to correct this error. They closed my on line acct so I cannnot even see my acct. XXXX they said that if I did not make over XXXX in payments I was going to loose my home. Attached are proof of my payments and XXXX  XXXX payments they made for me.

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 2022-07-08
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with this issue for over the past 2 years now. First with XXXX XXXX XXXX XXXX my acct number for my mortg XXXX is XXXX. XXXX XXXX. They claimed I had unpaid payments of well over {$13000.00} and that WELLS FARGO retracked those payments from my XXXX XXXX Acct due to my bank XXXX XXXX, said " either XXXX, or or wrong account number, OR mis applied pymnt. well these accusations are not true. I have contacted not only XXXX XXXX XXXX many times as you will see in your investigations, but also to XXXX that provided me with the docs to show the monies coming out of my acct and never being returned or pd to XXXX. they supplied me with all the tracing numbers and all. I then sent all this to the escalation team at Wells Fargo. They REFUSE TO GIVE ME ANY HELP OR INFORMATION, Stating ..That I am not on the Account or on any account with XXXX I am leaving another email to XXXX XXXX at XXXX re : what XXXX had told me. I need this Resolved as I am trying to sell my home and buy another.. I am seeking a settlement out of court of approx. $ un settled, for the Partial Claim I had to sign to keep my home but for all the hour 's I missed from work and hours and years spent to get this resolved. I just got off the phone with the Supervisor from ells Fargo Escalation Dept ( XXXX XXXX and he still would not help me stating it is XXXX or XXXX  fault. THIS HAS NOT BEEN RESOLVED THEY SAY ..IT HAS AND IT HAS NOT THEY HAVE ALL MY DOCS TRACING NUMBERS BANK STMNTS.. THE GAL ON THE CASE IS XXXX AND HER BOSS XXXX... THEY HAVE NOT EVEN GOTTEN BACK TO LOAN CARE EITHER!!! Please help me with this. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$68000.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2022-11-01
Company: Bread Financial Holdings, Inc.
State: IL
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:
Thank you XXXX XXXX Customer Advocacy, For finally acknowledging that my last payment to XXXX was on XX/XX/2019 in the amount of {$43.00} you stated in your response letter that you are unwhiling to make any changes to my account with the credit bureaus and you are reporting accurate information in accordance with the law! At this time I am NOT asking XXXX to correct anything with the Credit Bureau I am only wanting information on what laws and or procedure your company has operated under that XXXX has been able to make these changes to my account without my permission. Resulting in falsely manipulating the statute of limitation. 
As you stated in your response letter my last payment was XX/XX/2019 making XX/XX/2019 the first month of delinquency. Now you stated do to return mail is the reason XXXX updated my account to paid as agreed going back from XX/XX/2019 until you reported the account 30 day again how/why? even after you sold the account XXXX reported 15 more paid as agreed payment! Again you stated ( Due to returned mail, the account was previously updated and brought current. ) please explain in detail this procedure XXXX initiated without my knowledge or consent so I may follow up in accordance with the law. ( Due to returned mail, the account was previously updated and brought current. ) how/why does return mail changes the payment history on account from being late never paid to paid how?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
A month ago I was made aware that I had XXXX outstanding late payments from a student loan. This loan had outdated information and I did not receive any of the late notices. I had to recover my password for the email account they had on file in order to reopen my online account with them. This loan also did not appear in any of my credit reports I routinely access to for some reason. I paid off the loan as soon as I was made aware of it. All the other student loans have been able to contact me and I have received timely information about them. I even opened a repayment plan for all my student loans and this particular loan was missing from that list. This company, Heartland ECSI, did not. After I paid the loan in full, including all late fees, I requested the company to remove the late payments from my credit report since I did not have access to any of the notices about the payments. The company did not accept my request, in fact, they did not even consider it and they denied my right to speak to another person that could have the authority to help me with this. The customer service representative refused to transfer me to speak with somebody else and also refused to answer my questions clearly. It is my understanding that because I paid the loan in full already, they're refusing any other help with this account as well as my right to dispute the unfair late payment reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I called binance support because I needed to withdraw my funds into my ledger. ( Im not very tech savvy ). I couldnt login so I called support, the representative basically told me he would help transfer my coins into my ledger for me. Long story short, I gave him access to share my screen ( stupid move ), he transferred a few random coins into my ledger as I watched ( thinking he was transferring them from my binance account ), until after a few minutes my screen went black and he told me this will take a few minutes. While it went black, he transferred all my existing coins from my ledger out and left me with nothing then hung up and blocked me. He stole XXXX worth of crypto. I came to find out after doing some research that it was a scam phone number posing as binance customer service. I contacted XXXX to remove the link, which they havent yet. I still have the phone number and he blocked me but when I called from my friends number, he answered. I had my friend hang up and a few minutes later, the scammer called my friend back. The scammers phone number is XXXX. Another number he called from was XXXX. I gave you the short version. If you would like more details, or would like to talk on the phone, my number is XXXX. I am active on XXXX  at XXXX XXXX or on XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TN
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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exceptional ) XXXX XXXX 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 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 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