BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-01
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX XXXX Balance Owed : {$2800.00} Date OpenedXX/XX/XXXX XXXX XXXX Balance Owed : {$6100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6300.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe 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 2022-10-27
Company: Kovo
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/ I applied thinking this was a loan company. I was approved for a loan as it clearly stated that. I signed the loan agreement and it said the payments were {$10.00} a month for two years. The problem is that I didn't receive any money. They expect me to pay the {$10.00} a month for nothing as I contacted them and was told that I do not receive any money or cash. Why would I agree to pay {$10.00} a month for nothing at all. I googled loans and there name came up. It also says that if your unhappy with your purchase you can request a refund within 30 days and I did that by email to not receive any correspondence back from them imagine that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to a recent phone call with the collections department of Navy Federal Credit Union, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. NFCU claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. 

My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my XXXX credit report ( attached ) NFCU has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Scheer, Green & Burke L.P.A.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, MI XXXX. Debt Collector came to my home asking for XXXX XXXX. When he was told that she does not reside here continue to pursue posting paperwork on my door. I asked him to remove it and he said no that he is doing what the court told him to do and this is the address they have and continued to be rude and still taped paper to my door. Then when I asked him again he told me to mail it to her and that she owed XXXX and they are trying to collect and they will take her to court and get a default judgement against her. Once again I am not XXXX XXXX have nothing to do with this debt and was treated rude and he disrespected me and my son and my home and told us all the information about who and what she owed and that she was being sued. I am requesting that this company, this man, this attorney office and anyone related to this company not come to my home again. I have the entire incident recorded on my XXXX alarm and on my cell phone. She does not live here and I want them to stop coming to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: GOLDMAN SACHS BANK USA
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a response to CFPB and settlement with GreenSky LLC regarding loan origination and servicing practices of Greensky that resulted in unauthorized loans, I have an account with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX that partnered with GreenSky and authorized my consumer purchase number for a loan without my consent. The amount was XXXX, I have not received any notification from CFPB or Guideline Group Settlement Administrator that this account is included in the settlement and how can I receive compensation for the unprofessional actions that were taken against me during this loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX  score is the worst system these credit bureaus could come up with! My scores shooting down low even after a {$50.00} increase on one of my cards! Ridiculous!

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 2022-10-20
Company: Experian Information Solutions Inc.
State: MD
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:
I would like accounts and removed and updated 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 2021-06-09
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Department of Education/Navient is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX and XXXX are still reporting 13 accounts as of XX/XX/XXXX. Navient has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In late XX/XX/2022, I was looking into purchasing a new XXXX phone from their store using their XXXX XXXX ' service, which allows you to finance the purchase of a new phone. As part of that process, I was approved for a {$600.00} dollar XXXX Synchrony credit line. Because the phone was more expensive on the XXXX store than I'd anticipated, I decided to check the internal store for the phone carrier service I have with XXXX called XXXX XXXX. 

I've been a customer of XXXX XXXX for many years. It's a phone XXXX like XXXX XXXX XXXX or XXXX. Inside its app, it features a store for buying new phones and upgrades. The same phone I wanted to purchase through XXXX 's site was available on the XXXX XXXX store for {$590.00} due to a customer loyalty sale. My XXXX credit line is {$600.00}, so I looked into purchasing the phone through the XXXX XXXX store, using my {$600.00} credit line. After several days of ineffective customer support, they eventually told me that I could not use a XXXX credit line to make a purchase from XXXX in the XXXX XXXX store. I would have to use it to buy an unlocked phone from their main store. I can't think of meaningful legal justification for denying me the right to use that credit line to purchase literally the same hardware from XXXX on their XXXX XXXX store as opposed to their main store. 

They've issued me a line of credit but are telling me its only good for use on their products in very limited venues. One of those venues is apparently not the store for its long-time mobile customers. Instead, it seems to be a ploy to solely attract new retail customers who may or may not use XXXX XXXX at all.

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 2023-05-12
Company: Affirm Holdings, Inc
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I submitted to use affirm for {$750.00} - {$180.00} four times. 

I just received response from my credit card company that I have to submit the complaint to affirm since it was a third party transaction. 

The {$750.00} was for a payment to XXXX XXXX & it was for a convention that was supposed to happen XX/XX/XXXX. The event was cancelled the day of when it was supposed to happen. I could not request a refund in the period that affirm allows because of the circumstances. 

I would have filed with affirm dispute in XXXX had I known before a couple weeks ago from XXXX ( the card I used to pay for the loan ) had told me that is what I needed to do. 

I can not contact the merchant for a refund due to the emails no longer being active and no active phone number. 

The event was cancelled and no one was provided money back - so it did violate the terms & conditions that we had agreed to when purchasing the tickets. 

I attached the cancellation event email & the letter I just received a couple weeks ago about affirm being involved - which again I did not know before the date of that letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
During XXXX and XX/XX/2022, partially known individuals hacked our credit reporting agency account and commenced to apply for numerous ( 9 ) credit cards and loan applications before we were aware of the hacking into our credit reporting account.

We notified the 3 or 4 credit reporting agencies and placed a freeze on our credit reporting account. We interviewed with our local police officials and reported the situation. Police officials informed us that no police report would be prepared until a cash loss had occurred.

The same individuals hacking our credit reporting account requested a US mailing address be changed to their address. We contacted our local postal inspector and received a freeze on our mailing address, which could not be changed except by my wife or me.

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 2021-11-11
Company: Bridgecrest Acceptance Corporation
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Bridgecrest for my XXXX XXXX XXXX which I traded in on XX/XX/XXXX. On XX/XX/XXXX, Bridgecrest received my payoff check from the dealer. On the XXXX I contacted customer service because the car was scheduled for repossession, even though they had the check. I had previously given them the tracking number when the check was first mailed. The representative at Bridgecrest said the car would not be repossessed and the check would be applied to my account and backdated by the end of the week. I checked back on the XXXX and it was still not applied. I contacted them again and I was told the check was not enough. I paid the difference and was told that the payment would be applied and to check back by the end of the week. The payment has still not been applied. I have been assessed late fees and interest ( which they claim will be backdated but they also claim the check will be applied to me account within 48 hours every time I contact them ). They are also reporting to the credit bureau that I am late on my payments. I am at a loss how to resolve this. All I get is I understand your frustration. Be patient. It will be applied and backdated within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: BMW Financial Services NA, LLC
State: MI
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:
BMW has violated my consumer rights. 

Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is XXXX and XXXX and I never gave consent to BMW Financial to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because BMW has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights. 

THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: MI
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, 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
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account I am not responsible for and would like to have it deleted from my credit report along with the inquiries I did not authorize

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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