BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
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:
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, Account Number : XXXX and Account Name : Dept of Ed/ XXXX, Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
My letters were sent on XX/XX/23 and no update has been sent to me as of yet about the matter to dispute. By law the credit company has 30 days and both XXXX and Equifax has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2023-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the account Portfolio Recovery account numerous times on my consumer report XXXX. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. XXXX has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. XXXX did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion. 

From XX/XX/XXXX until today XXXX has allowed Portfolio Recovery to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account. 

This account has been updated only with a balance update! 
Below are the updates I've received with only a balance updated date. 

" Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights. 
I am aware that a consumer reporting agency can not furnish inaccurate information. 
I do not believe my disputes have been handled in compliance with the law. 

I request deletion or method of verification of how this account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Navient Solutions, LLC.
State: MI
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:
My student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a XXXX balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at XXXX with Navient. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at Navient in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX Navient still appears on my credit report showing delinquent from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a fraudulent phone account. I did not open this. I have no other details. I am unaware of the phone number and email address used to open this account as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
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: Information belongs to someone else

Complaint:
Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with XXXX or authorized an agreement with XXXX for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )

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 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased ticket XXXX to XXXX I paid XXXX XXXX ( approx XXXX $ ) for extra legroom seat XXXX XXXX changed aircraft and that seat on smaller plane is not available and I had to take normal seat ( no extra pay ) They sent me a receipt showing refund forthcoming but over a month now and no word or credit given

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have all three credit bureaus reporting judgements, tax lien from XXXX XXXX and XXXX XXXX on my credit report, they are reporting time barred debt on my credit debt that does not belong to me, tax lien in the amount of {$17000.00} Theses items were removed before through a prior complaint in XXXX, since then they re-inserted the debt which is a violation of the FCRA, they are not supposed to re insert debt. they have told me over recorded conversation that they have once again processed the removal of the tax lien for XXXX XXXX, XXXX XXXX, XXXX XXXX 2 accounts, they informed me they were going to correct my credit card information removing the 6 months late payments, they also told me they are not reporting the tax liens, the eviction which is deemed public records, they informed me they do not report judgements, tax liens, and public records, when I pulled my report, XXXX surprise they are still there, the credit bureaus have not done one thing to correct it, the they say they need verification of identity,. After I submitted nothing has been done to remedy my complaint, Equifax continues to report old time barred debt, and old collection accounts that are past 8 to 13 yrs past credit reporting statute of limitations past 10 yrs, I have now hired a Consumer Protection Attorney to remedy the situation, if they do their jobs and fix the errors on my report, a remove the judgments, tax lien, and public records, then I will not have to push forward in a lawsuit. The CFPB needs to monitor these bureaus, and collect data from other consumers to file another class action lawsuit. Equifax, XXXX, and XXXX  needs to remove these items my scores are supposed to XXXX in the 700s.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2023-04-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony Bank continuously posted payments to my JC Penney account in error. 

The payments apparently belonged to a different account number and Cardholder name. 

The Payments applied to my account in error are as follows : XX/XX/XXXX - {$1000.00} acct XXXX ending in XXXX was returned " payment not authorized '' XX/XX/XXXX - {$1300.00} acct XXXX  ending in XXXX was returned " acct closed '' XX/XX/XXXX - {$1900.00} acct XXXX  ending in XXXX was returned " acct closed '' I reported these payments were not issued by me and not my financial institution, they sent a letter of apology for the payment on XX/XX/XXXX posted to my acct in error. 

I received a following letter stating my acct was closed because of these payments. Two of these payments are from the acct number they stated was posted in error. The balance is also greater than i would have previously charged. I have asked for copies of these checks so i can pursue possible fraud charges, i have also asked for location of delivery or purchases for the items charged. Jc Penney and Synchrony Bank have not assisted in this endeavor at all, but they did manage to close my account because of THEIR ERROR and failure to protect THE CONSUMER from their own Failed processes. Why did Synchrony Bank send a letter of apology for posting a check to my acct in error and then use it as an excuse to close the account.. Synchrony Bank apparently has a history of doing this very same thing and I will not accept this as the norm. I want a SINCERE Letter of Apology and my Account Reinstated as it should have NEVER been closed.

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 2023-03-16
Company: CL Holdings LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights! 
Under act 15 U.S.C. 1681 section 602 says " I have the right to privacy. '' 15 U.S.C. 1681 section 604 A section 2 it also states " A consumer reporting angency can not refurnish an account without my written instructions under 15 U.S.C. 1666B " A creditor maXXXX not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " XXXX XXXX ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " XXXX XXXX '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " XXXX XXXX '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, 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 2021-08-29
Company: EQUIFAX, INC.
State: GA
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:
Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " XXXX XXXX ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " XXXX XXXX '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " XXXX XXXX '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-07
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of i tems which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX  XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} ' XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX ' According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-11-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
On XX/XX/2023, I applied with StudentAid.gov for their Income Based Repayment program and was automatically enrolled in their SAVE program. 

I also applied with their Public Service Loan Forgiveness Program, to which my school is eligible. 

In submitting my paystubs, my retired husband 's w-2, and given access to our tax return documents, the site stated in the screenshots taken that my repayment was {$0.00} until XX/XX/2048. 

Navient asked for the SAME documents about 2 weeks later to which I submitted. Then, in a document dated XXXX, they're stating they need my RETIRED husband 's most recent W2. He is RETIRED, he only gets that document ONCE A YEAR for filing our taxes. Here 's the kicker, if they can't get a recent w2, they need a letter dated and signed from me self-certifying that is what he makes. I can't. If they can't accept official government documents what good is letter from me? If StudentAid.gov doesn't need me to self certify a letter, Navient doesn't get one from me. 

I am so LIVID with Navient, all they do is give me stupid delays and meanwhile, I am getting charged late fees on my account. This is not the first run around they've given me but what more document does this company need when the organization that says I'm qualified for debt forgiveness and a {$0.00} payment is stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: AFNI INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI at XXXX XXXX  XXXX XXXX, IL XXXX has been sending me collection notices about {$200.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation