BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This bank likes giving me a hard time before approving any application submitted they send me these verification letters I recently applied for a XXXX store credit card and verified the reference number to the account protection they didnt even ask me any verification questions as stated on the letter and declined it telling me to reapply in 30 days this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not know this AD ASTRA RECOVERY SERVICE but they are requesting for me to send them {$610.00}. Lasted reported to my credit report XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I contacted my bank once I realized I was a victim of fraud and tried to get them to cancel a transaction but was advised I had to wait until the charge cleared to complete my fraud claim. I thought I was investing in bitcoin mining only to find out it was a scam the next day after sending the funds to the scammers. Navy Federal has a zero liability policy that states a customer can be covered for transactions they didnt authorize or benefit from. When I was finally able to put the claim which didnt happen until 5 days later. the representatives made me feel as if I would be to get my funds back because of the aforementioned policy and I asked specifically if by me initially authorizing the payment would that prevent me from being covered they advised no. A week or so late I get a letter saying my claim was denied because I authorized the transaction which was never information that they didnt know as I told them I initiated the transactions but found out I was being scammed. After speaking with another rep she advised me that they shouldve put my claim in as a dispute and not fraud and stated I should submit another claim but as a dispute and not fraud. Several weeks later they come back with the same decision this time stating that I was charged for the amount I owed after receiving merchandise or a service which I havent received the scammers have my money. I sent screenshots of the conversation between me and the scammer and screenshots showing the website the scammers gave me thats is now down. I was a victim of fraud and Navy Federal has come to 2 decisions that is doesnt support the documentation I sent to them. Ive been banking with them for several years and when Im a victim of fraud they totally disregarded it.

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 2023-07-28
Company: Experian Information Solutions 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. The List of accounts below has 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 # XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CBC Companies, 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 is missing that should be on the report

Complaint:
XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan for {$210.00}. Shortly after that, I had someone break into my car and steal my identity. The robbers broke into checking account and filed taxes in my name. This caused me to go delinquent with XXXX. After I was able to fix the damage that the robbers did I tried to pay my balance that I owed XXXX XXXX. They told me that I would have to pay them XXXX. I explained my situation but they refused to work with me. I think that it is unfair and predatory that they will not allow me to pay the balance that I owe them. In addition that is harming my credit. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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: 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. 

Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2022-06-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnions housed incorrect and false data that was supplied to credit and service providers who in turn took negative action against me because of the false data housed by TransUnion. 
At the time I could not gain access to my credit report and TransUnion would not provide me with a copy of my credit report when I called multiple times. TransUnion have since created a new file in my name which does not contain all of my credit information, so my file continues to be incorrect and negatively impacting my financial status. 

TransUnion refuses to provide me with access to the historical information and data that was collected about me and used against me by credit issuers and service providers. 

TransUnions has evaded all requests placed directly with them and TransUnion continuesto fail to provide notice to the creditors who used the incorrect data against me that the data they were provided with was incorrect. 

I can not get answers or a response from TransUnion and their call centre staff hang up the call when I ask to raise the matter.

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 2023-06-27
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My family paid off my student loans, which totaled right around XXXX between my grandfather and my mother. This was a significantly small amount of the total around {$3500.00} if memory serves. A few months go by and all the sudden Im getting collection calls from this company about the same loan that is paid off. At this point I was much younger and had no clue what to do, the loan they are calling about was originated the same day this other one was paid off supposedly. Although I had never taken out another loan. I have tried for years to get them to do anything other than put me on hold for extremely long stretches of time, to no avail. Im stuck this loan was paid in full years ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
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:
There is a collection reporting on my credit report under XXXX XXXX. I have been disputing with the credit bureaus and the collection company. After every dispute, the credit bureaus, Transunion, XXXX, and XXXX leave the collection on my report. However, I have not received an appropriate response from XXXX XXXX myself. I have sent debt validation letter on XX/XX/2021, and follow up letters on XX/XX/2021 and XX/XX/2021. XXXX XXXX has not responded through mail, phone call, email, or any other method. If they can not respond to me and validate the debt for me, how are they validating the debt to the big 3 credit bureaus? I know that there is an estoppel of silence and with XXXX XXXX not responding to three validation requests, I would like to use it in my defense and have this account deleted from my report immediately. Transunion, XXXX, and XXXX have also failed to provide me with any dispute results over the last 5 months. I pulled a copy of my credit report today and noticed that XXXX XXXX is reporting the same account twice on XXXX with a different account number. I want these accounts deleted immediately because they are unverified and reporting inaccurately. I have enclosed my ID docs, copies of the letters I have sent to XXXX XXXX and copies of the images from my credit report. I am me and no one else is filing this for me. I do not want to receive letters that they need to verify my identity or anything like that. Please delete the inaccurately reporting item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: NC
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 other endeavor to tell EQUIFAX AND XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX : {$0.00} ; XXXX  XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I recently got a copy of my credit report and saw some items I did not personally benefit from nor have any knowledge of. I submitted all documents asked of me by the bureaus but still have yet to receive any action on their parts. This situation is hindering my ability to purchase my first home and i would like the situation resolved as soon as possible.

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 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This account was settled in full on XX/XX/2021 and I received my discontinuance letter on XX/XX/2021 via email. I have reached out to both the law office and the credit unions to have this account removed from my credit report. They instead reported the account minus the amount I paid but in the letter it clearly states that they can not collect any further. This law office removed my last account when we went to court and I want the same thing done here.

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 2020-07-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I'm a checking customer through PNC bank. PNC has made it impossible to use non-PNC banking products, like XXXX or XXXX, and has made it very difficult to use payment products like XXXX or XXXX XXXX. PNC doesn't offer comparable products ; and it makes it more difficult to send and receive payments, and also to use innovative financial products to save small amounts of money like XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: PA
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:
XXXX Equifax responded to my CFPB Complaint # XXXX that I submitted on XX/XX/2023. 
Equifax replied to CFPB and myself that XXXX XXXX verified that account belongs to me. 
My Question is : Why is Equifax avoiding the sole basis of my dispute being the violation of my right to privacy. The Gramm -Leach -Billey Act states I am to receive notice to opt out of credit reporting and that NO information should be reported on my consumer report without my submitting written permission/instructions. 
I did not give consent to XXXX XXXX XXXX or Equifax to report this information. 
I also understand that because verifying information that is violating my privacy rights is an additional illegal action and I may be privy to compensation in a court of law. 

Additionally, Equifax stated to CFPB that XXXX XXXX is not reporting on my equifax report but as of today I find it is still reporting. WHY? 

I want both items removed due to my federally mandated right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
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: Old information reappears or never goes away

Complaint:
Chexsystems is reporting outstanding debts to XXXX and XXXX however both were paid. I need to be removed from chexsystems.

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 2021-05-30
Company: Debt Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt Recovery Solutions is still showing on my XXXX  report with 1 amount showing for {$890.00} and another amount showing for $ XXXX.They replied to my CFPB complaint that they will request these activities be remove/delete but they have failed to hold their word and obey the law. 



I dont know this company I have never done business with this company this company doesnt have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Consumer Adjustment Company Incorporated
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX This written correspondence is in reference to an account listed on my credit report that I did not open, and was opened up fraudulently. The account is identified as XXXX XXXX, with Balance of {$5000.00} USD. 

I have requested that the company remove this item from my credit report and disputed the account as fraudulent. CACi the collections company has only increased the balance on my report to now {$5000.00}. 

This account was opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The credit reporting company TransUnion is not complying with their own policies in a timely manner. I mailed my dispute XX/XX/2021 about XXXX XXXX having no permissible purpose nor my consent to have the account on my credit file. I do not recognize it and I have no results or findings from their investigation. It has been well over the 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am struggling to make my payments due to being overwhelmed with finances. The company calls up to 10 times a day, harassing me at this point and I don't know what else to do..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/21 I sent written correspondence to Experian credit reporting agency of an account ( XXXX XXXX XXXX ) that needed attention. However, the credit companies are not complying with their own policies in a timely manner. This has caused me undue XXXX XXXX and XXXX  and has hurt my ability to obtain credit because the agencies are supposed to be reporting 100 % accurate and correct 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 explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXU.S. 

DEPARTMENT OF EDUCATION Account number XXXXU.S. 

DEPARTMENT OF EDUCATION Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX 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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief