BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX. I have the right to demand and see the contract between XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: TX
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:
Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 times

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 2022-08-10
Company: Experian Information Solutions Inc.
State: MD
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:
There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

These accounts on my consumer report is effecting my life in devastating ways.

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 2023-10-26
Company: Synovus Bank
State: MN
Product: Credit reporting 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 against XXXX XXXX XXXX regarding a recent incident in which they conducted an unauthorized hard inquiry on my credit report. Despite my repeated attempts to resolve this issue with XXXX XXXX XXXX directly, the matter remains unresolved, and I seek your assistance in addressing this violation of my consumer rights. 

The unauthorized hard inquiry in question was made by XXXX XXXX XXXX for an auto loan, a credit application that I have never initiated. This inquiry appeared on my credit report without my knowledge or consent, causing undue harm to my credit profile and raising concerns about potential fraudulent activities. 

The details necessary for this dispute are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX - Date of Birth : XX/XX/2001 - Phone Number : ( XXXX ) XXXX I first became aware of this unauthorized hard inquiry when I reviewed my credit report, and upon contacting XXXX XXXX XXXX to inquire about it, I was met with an unsatisfactory response. Their claim that it was related to an auto loan application I never made is not only false but also deeply concerning. I have not applied for any auto loans within the past year or authorized XXXX XXXX XXXX to access my credit report for any such purpose. 

I am deeply troubled by this violation of my consumer rights, as well as the potential consequences it may have on my credit score and financial well-being. I kindly request that the CFPB investigate this matter promptly and take necessary actions to ensure that XXXX XXXX XXXX rectifies this situation by removing the unauthorized hard inquiry from my credit report. 

Furthermore, I am seeking a comprehensive response from XXXX XXXX XXXX outlining the results of the investigation and the actions taken to rectify the situation. Additionally, I request that the CFPB take appropriate measures to hold XXXX XXXX XXXX accountable for their actions. 

I appreciate your immediate attention to this matter and your assistance in resolving this issue. Please inform me of any actions or responses received from XXXX XXXX XXXX. I can be reached at the phone number provided above to discuss any additional details related to this complaint. 

Thank you for your efforts in protecting consumers ' rights and ensuring fair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023, I called PNC XXXX department to make a contribution to my XXXX of {$250.00}. At that time, the representative told me that my contribution should be added to my account in 3-4 days. After almost two weeks, the money wasn't taken out of my checkings. Today I called to see why it hadn't been contributed. They asked me if I had a job. I told them that it was none of their business. They said they had to ask me that and informed me that I couldn't make a contribution to my XXXX unless I was employed. They should have told me that on XX/XX/XXXX. 

I don't know if you handle another type of complaint or not, but at the time of me openings the XXXX with PNC, I received no opening paperwork and had to list a beneficiary. When I asked my branch manager who my beneficiary was, at a later date, she listed 3 incorrect people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Navient Solutions, LLC.
State: CA
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:
Navient is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. Navient Refuses to rectify the situation my student loans should not be reporting late.

Navient has a history of not following proper procedures and has also been sued numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-05-19
Company: EQUIFAX, INC.
State: TX
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:
Someone got a hold to my personal information and attempted to get a vehicle. XXXX caught the incident and stopped it. 

I reported this to all bureaus due to the fact the let the person run my credit over 30 times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
ON XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. I was in a Covid-19 forbearance plan with XXXX Mortgage. 
2. I asked XXXX umpteen times to place my account on a repayment plan, to no avail. 
3. XXXX sold the servicing rights to Selene Finance LP. 
4. Selene Finance reported late payments to the three CRA 's. 
5. Selene Finance initiated a foreclosure proceeding.

6. I reinstated the loan and brought it current.

7. My new account 's online portal has hidden information with added fees that does not disclose nor explain what the added fees are for. 
8. My escrow balance is incorrect, as I have double-paid my property taxes : to the county and to the Re-instatement Amount. 
9. My credit score is damaged, as they were not supposed to report lates for those who are/were in a Covid-19 forbearance. 
10. Similarly, my new payment due is {$400.00} more than usual, and I will be reluctantly paying it because I feel as though I'm being coerced into doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: GA
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 contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE 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:
Courthouse told me they don't report to Credit Bureaus! 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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
Consumer complaint received 2022-02-04
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2022 I received a letter from Comenity Bank regarding my Arhaus Credit card stating they lowered my credit limit from XXXX to XXXX. The explanation they provided me with is they reviewed my credit through XXXX and due to my score being significantly lower which on their letter stated my credit score is currently XXXX which is incorrect! I called the company to try and resolve this issue and got no where. Was told to contact XXXX which I did and got a copy of my recent credit report. I just received my report that states my credit score is XXXX and I have no late pays or over the limit issues with Arhaus and No Late pays on any of my other cards! I am also aware lower someones credit limit can also hurt their credit significantly! I have never had a credit card company Lower my limit ever and Im appalled Arhaus did this to me which Is totally unfair and based off incorrect information!! I want my limit raised back to the original amount! If not, I plan to get legal representation but want to try and resolve this before taking it to that level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: GA
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 contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-12
Company: Spring Oaks Capital, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive reached out to this company to get clarification on the item that they reported on my credit. I never received any documentation from them in writing, and dont know who or what this company is and the item they are claiming is mine. This is in violation of my consumer rights and I will be seeking legal advice and/or pursuing to seek legal actions against this company for the inaccurate information that is being reported and hurting my credit. This has caused great stress on me mentally, emotionally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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: Personal information incorrect

Complaint:
The following list of names are incorrect 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 2021-08-24
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX a consumer, and Natural person Sent a Affidavit of fact, to Phoenix Recovery Group on XX/XX/2021 the group recieved the Affidivavit on XXXX XXXX they were given a 10 day response and as of today XXXX XXXX still no response .. They have not ceased in their collection of a debt not owed to them. they are reporting invalidated information to all 3 Credit Agencies ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I submitted an affidavit of truth regarding XXXX XXXX XXXX furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from XXXX XXXX stating that the credit reporting is accurate. 
I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, Discover Card : XXXX Please allow this letter as a complaint and an appeal for the check returned fees and the interest charge on my Discover account for the billing of XX/XX/2022. On XX/XX/2022, I made a purchase on XXXX XXXX with my Discover Card with the amount of {$3900.00}. Before making the purchase, my Discover balance is {$0.00}, therefore, with the purchase coming in, it makes my balance to be {$3900.00}. I then returned the whole purchase on XX/XX/2022 and then XXXX XXXX confirmed refund and released the credit back to Discover on XX/XX/XXXX. Because of Discover delay in processing the credit back to my account, only a partial of the credit posted back to my account before XX/XX/2022 which is the due date for the Billing Cycle. That makes the balance left over to be {$1700.00}. They then processed the auto pay for the that amount to my checking account, however, that payment was returned because I did not expect that payment therefore I did not put enough money in my checking account. They then charged me Returned Payment fee of {$30.00} and interest of {$23.00}. Until XX/XX/XXXX, all the refund from XXXX XXXX are posted back in my account. That makes my account balance to be {$53.00} because of the interest and return payment fee. I contacted them many time on XX/XX/2022 and XX/XX/2022. Non of their manager know what to do and understand the story. I asked them to waive the fees and interest because all other banks do that when they delay the process of clearing for the refund credit. Once the refund credit posted, those fees should be reversed. As those are related to the purchase charge originally. They refused to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-22
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
After filing for bankruptcy and them sending back a proof of claims to receive part of the estate I constantly received harassing phone calls. Emails and letters in the mail after being told those would all stop. Not to mention when speaking to someone with my student loan they kept going back and fourth between it being a federal and private loan one minute its federal the next they say its private. They received money from the estate in the end.

Company response to consumer: Closed with explanation