BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

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 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
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, Account name : XXXX XXXX # XXXX, Account name : DEPT OF ED / XXXX # XXXX, Account Name : US DEPT OF EDUCATION/XXXX  # XXXX, Account Name : 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.

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 explanation
Consumer complaint received 2022-02-07
Company: Expert Credit Sweeps
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I found a XXXX channel that is loaded with information about credit repair. There is a woman I would think may be on probation running the website from a supposed office in XXXX XXXX, XXXX. I was contacted for a credit consultation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX sent me an online contract to and a link to make payment for a credit repair program she had designed. I had to also sign up for a credit monitoring software package at XXXX. I have made several attempts to contact XXXX XXXX and she has not returned phone calls or texts or emails. Luckily I researched to find out that XXXX XXXX XXXX is also XXXX XXXX XXXX a former resident of XXXX XXXX, NY that was a felon charged with stealing peoples social security number and information and selling the information in XXXX. I immediately realized I had been scammed and I shut my debit card down so that no further charges can be made. XXXX XXXX XXXX had me send her a copy of my drivers license and social security card. On XX/XX/XXXX Internet research at XXXX and XXXX provided me information to show that XXXX XXXX XXXX is actually XXXX XXXX XXXX who was arrest and charged in XXXX XXXX, NY for selling people 's identity. Once you view her XXXX  and website you are convinced that she is a reputable credit repair XXXX when actually she is a crook and most likely on probation since sine she was arrested in XXXX and facing a XXXX year sentence. Looks like she has resumed her previous career by posing as a credit repaid specialist. This allows her to gather personal information from innocent people who have suffered through some credit challenges with the use of XXXX and her website. I'm sure it is too late for me but perhaps the XXXX and CFPB will be able to shut her down so that she is unable to take advantage of anyone else. In research her on the internet I was taken for a small amount of money compared to some of her victims from whom she has stolen thousands of dollars. 

Here are internet sites that may help with this complaint. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-05-10
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi I fell on hard times recently and my checking account was overdrafted due to my bills being on autopay with my checking account. I've been working towards getting the money to fix it but I keep being charged more and more fees making it almost impossible to make my account positive again. I went to my local huntington bank and talked to them about my account and fixing it and tried to get fees taken off and to stop more fees from coming out. I figured they would help me out since I've never overdrafted before but they only refunded one fee out of 10+ fees. I opted out of their 24hr overdraft program to make sure anymore bills wouldn't try to charge my bank thus resulting in another fee but my gas bill just charged and now I received yet another fee. I canceled all my autopay bills as much as I could remember so it shouldn't happen again. Huntington was my first and only bank account since I was XXXX and I don't want to leave but this is just ridiculous 41 % of my total balance owed as of XX/XX/18 are fees! Nearly half. I know I screwed up to let this even happen but it seems like huntington is trying to make me fall down lower and lower to a point of no return and not help at all it really doesn't make sense to me. If this happened to most of the people I know they just wouldn't pay anything at all and forget about it. But I couldn't do that I just don't understand how they expect someone to pay them back when they keep charging more fees than a lot of ppl can make in a day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have NEVER been late with my XXXX  credit card payment and it was listed as being XXXX days late, so I disputed this and was told I was wrong, which is not true so I resubmitted my dispute and am being being told that I cant

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 2023-05-09
Company: Resurgent Capital Services L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days in counting and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of accounts listed IMMEDIATELY! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an auto loan through Santander Consumer XXXX XXXX. This COVID Pandemic is really taking and effect on me. I am continually out of work. As you know when you are exposed you have no choice then to quarantine. I am a XXXX XXXX, and the job market was a mess before covid. I told them I am finally back to work now with a permanent company that will keep me on for a while. I asked them to give me a deferment so I can be on an even playing field. They said I was eligible for a loan modification and then denied me for no reason. Said I had too many. I cant control how bad covid is in XXXX XXXX  XXXX. I am willing to make sure that I am on time from now on. Now that I am back to work. I need the loan modified to become current so that I can be in the current status and not have my car repo 'd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 2022-05-19
Company: Experian Information Solutions Inc.
State: DE
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:
So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : 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 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 2023-07-21
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: Their investigation did not fix an error on your report

Complaint:
Attention! My information is being trafficked due to your inability to be impartial

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
XXXX and XXXX, XXXX, and Experian continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.

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 2023-05-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice of an attempt to collect a debt from Jefferson Capital Systems LLC which is dated XX/XX/XXXX, it references that I had a XXXX XXXX  account from XXXX XXXX XXXX  and XXXX XXXX and that as of XX/XX/XXXX I owe {$840.00} but also this is the total amount of the debt. The letter states I can contact Jefferson Capital by calling or writing to them by XX/XX/XXXX to dispute all or part of the debt and in doing so they must stop collection on any amount I dispute until they send me information that shows I owe the debt. My concern as of today 's date which is XX/XX/XXXX is that upon checking my credit report with XXXX Jefferson Capital has posted this collection with XXXX and maybe the other agencies as well. The derogatory information was reported to XXXX on XX/XX/XXXX and today my credit score has dropped. 

I find this to be highly unethical on their part since they have not given me the time indicated in their notice to respond whether by writing or calling them. It is my request that they immediately remove this negative information from all XXXX credit agencies asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: SLM CORPORATION
State: FL
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:
I have made my monthly payments on time with Sallie Mae ; paying extra monthly. My balances of {$13000.00} is even more than what the loan was originally for {$12000.00}. So what Sallie Mae is doing is applying that extra money towards the next month instead of the principle balance. Next month I owe a total of {$3.00}. I was unaware that any extra payments would not automatically go towards my principle. I've asked Sallie Mae for any additional payments that I make be specifically applied towards my principle. I was advised today that they do not put additional payments towards principle only. Any extra payment in the month would continuously be applied towards interest. This keeps me and other consumers in debt. For example my monthly loan payment is {$150.00}. I paid an additional {$500.00}. {$58.00} was applied to principle. How can anyone pay their loans off? Was this a law put into effect and when in which a company can apply any extra payments how they feel fit. I have a list of companies that I am calling today to question how my payments are being applied and if they give me the same answer that Sallie Mae just did ; CFPB will be receiving a complaint on each and every one of those companies. This system here is not set up to benefit in anyway the consumer. It is set up for failure and someone has to step in. I would like clarification on this if possible. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$1600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}

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 2022-11-14
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account Number : 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 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 explanation