BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have asked all three reporting bureaus to delete an account SYNCB/care credit opened XX/XX/2018 charge off of XXXX acct number XXXX. I did not open this account and have tried feverishly to have it removed with no success. I have also called that lender and they said they would do an investigation. I did an online dispute with XXXX and they sent me an errant email saying I cancel the transaction when I didnt. If you can have these removed from my credit report I would greatly appreciate it. My name is XXXX XXXX I live at XXXX XXXX XXXX, XXXX, CA XXXX. My phone is XXXX. Please advise if I need to provide any other 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 non-monetary relief
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/XXXX I mail a certified letter to Equifax stating that they are reporting something inaccurate. I sent along documents showing that the account is 100 % reporting wrong and got no response. The letter clearly shows this I've also received money back because of the inaccurate reporting. For two years from XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
They have a hold on my money and it's been a week and every time I go to claims they give me a different answer and have me doing the work to recoop what they already have. I am so done with bank of america. I had just over XXXX dollers in my account and they are holding XXXX of it .its been a week..I need this money now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 called TRANSUNION and XXXX on XX/XX/XXXX regarding erroneous inquiries that were placed on my reports without my consent. When I called in they told me they would be working on getting this inquiries removed and since then there has been no changes made for inquiries done erroneously. 

Transunion Erroneous Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  - Inquiries done 2 times by this company XXXX Erroneous Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries done 2 times by this company

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 2023-07-06
Company: Freedom Mortgage Company
State: CT
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:
Freedom mortgage violate my right to privacy. I never gave them the right to publicize anything about my payment they violated code.15 usc 6802b also they never gave me the option to opt out of them release of my information. Secondly, they per long my hardship further when they send somebody to break into my home to do damage to my property. thirdly, there was never supposed to make a report while I have my application of forbearance and review, and they keep telling me to redo, redo my application.

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 2023-02-24
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2022-10-13
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Navient Solutions, LLC.
State: CO
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:
My son XXXX XXXX XXXX since then I have tried diligently to get this resolved get help without any help from the lender. I submitted his death certificate. I asked for help and all they would do is say since I co signed it I would be the one one to pay the full amount. They constantly offered no help no negotiations no options for me. I co signed his private student loans. They say I owe it all. I have paid diligently since then I work two jobs to keep up but no one will negotiate with me to apply for discharge of the loans or even negotiate with me about this. I am bearly making it and no one will help me. I have my own student loans n am overwhelmed with my son 's debt n mine. Everywhere I turn they all say there is nothing they will do about getting his loans discharged forgiven or even negotiated. Every time I call for help. They say there is no help. There is laws per my senator they have to follow. I have paid diligently on my son 's and my loans. Yet they still won't work w me. It's bad enough to be without my son since XXXX. But each month I send a large check to them for my son 's loans wishing he were alive to use his college education. I'd pay all the money in the world to have him back. They are a very large corporation with millions of dollars. Where is their heart in this? I'm not a slacker. I've kept up my side of this paying monthly. I hope for someone at navient to never go through what I have losing a child. But even worse having to write a check out each month for the past 13 years on your XXXX XXXX XXXX student loan. N bearly getting by to do it. Per records I have .It says with what I pay now I won't have it paid off till XXXX. That is awful. I have reached out to my senator governor and news media about this. I pray we can resolve this. My son would not want me to XXXX this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: RI
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2016-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a letter from the Debt Collector, Midland Credit Management , Inc. stating I needed to contact them to work out arrangements before suing me by XXXX/XXXX/2016. There letter states that they would work with me on payments that were flexible and affordable for me. I called them. The guy on the phone was rude and refused any payments I offered or any plans I offered to pay which I am unemployed and unable to work. I was told if I did not pay what they were wanting that they will sue me. They threatened me and refused to work with me even though their letter stated otherwise and I was offering to pay {$20.00} a month on {$1000.00}, which is all I could afford being unemployed. They did n't offer any assistance or anything and said they will pursue with contacting a lawyer and suing me even though I called before the date they asked and tried to work out something affordable/flexible for me. They REFUSED anything I offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a loan modification at XXXX per month. 
Then the interest rate adjusted at the new payment is XXXX per month. 
I applied for loan mod and denial when all paperwork was complete. 
Were in the pandemic and Im being foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: NAVY FEDERAL CREDIT UNION
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:
I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and i noticed that NAVY FEDERAL CREDIT UNION are reporting my transactions and experiences specifically a late payment that have posted on my consumer report : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term ''consumer '' does not include - ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely at to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my Consumer report! A LATE payment is a transactional history, My HISTORY WITH NAVY FEDERAL CREDIT UNION. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on my consumer reports! NAVY FEDERAL CREDIT UNION HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which clearly states IS NOT included on my CONSUMER REPORTS. PUT ON NOTICE that the reporting of my transactions or experiences with NAVY FEDERAL CREDIT UNION to the consumer reporting agencies is a DIRECT VIOLATION of the Credit Reporting Act 15 USC 1681a 2 Ai and this constitutes to inaccurate reporting. Furthermore, pursuant to 15 USC 1681 S-2 15 U.S. Code 1681s-2 - Responsibilities of Furnisher of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBTION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2020 USAA is guility of ID Theft. USAA used my data to place UNAUTHORIZED charges on my XXXX  XXXX XXXX  of {$3.00}, XXXX. This overdrafted the account - {$2.00}, XXXX on my account. I had to do without food and paying rent. This is ID Theft Retaliation. I called USAA on XXXX spoke to XXXX requesting they remove my XXXX  XXXX data because I would NOT be using it to pay on ID Theft. USAA punishes me for reporting ID Theft. I contacted Social Security hooked up with XXXX XXXX to reverse payment When XXXX  XXXX told me ALL MY MONEY GONE AND OVERDRAFT FEES ACCESSED. I had a XXXX  XXXX XXXX right in lobby at XXXX  XXXX. I left went home to resolve and rest. Social Security Act section 207 prohibits debt collection from social security funds. It also is illegal to collect on ID Theft AND USAA IS GUILITY OF being an ID Theft CRIMINAL USING MY DATA TO PLACE FRAUDULENT CHARGES ON MY XXXX  XXXX BANK ACCOUNT. I have never had overdraft fees in 71 years. This was defaming my character to XXXX  XXXX.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account name : XXXX XXXX  & Account number ( XXXX ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX Account number : 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.

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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2019-07-05
Company: STERLING JEWELERS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
*******URGENT******* I called the XXXX XXXX XXXX office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.

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