BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loan was discharged in a court settlement for predatory lending. All account balances have been discharged for the affected borrowers, even people who were default on their payments and never paid their balances. I made all of my payments on time and have paid more than {$10000.00} on this loan. I feel that if the loan was found to be fraudulent or predatory and they are discharging all remaining balances, even the people who never paid anything, then I should be entitled to receive all of the money I have paid into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Information belongs to someone else

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
My dad was contacted via email ( XXXX  is part of his email ) today with credit collection information that contained private information about the debt collection to his email. I have never received an email on my email about this or anything. Yet somehow they used an email with family members name in email to contact me while talking about the debt and debt collection and also threatening legal action. 

Under the act they should never sent the email to my father Im XXXX XXXX XXXX and live in another state plus never used that email ever. But they falsely sent that email I have pic from XXXX about it with a lot of private info that is against the law to share with family members. 

Below is attachments from messenger that my father who owns email sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit 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:
Comeity Bank is not honoring a valid identity theft claim on my account. They failed to do a full investigation meaning physical and digital. They deemed the account as belonging to me simply because the dentist office gave them my stole/fraudulent credentials meaning name address etc. No camera no evidence but they are saying I own the $ XXXX which is ridiculous I dont even live in nor near the area

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage financed through XXXX Mortgage XXXX XXXX XXXX, IL that served me very well. Recently XXXX sold my mortgage to Specialized Loan Servicing LLC of XXXX, CO. I was notified of this change from XXXX on XX/XX/2022. XXXX even provided an address for Specialized Loan to send the XX/XX/2022 payment. I mailed that XXXX payment but have yet to be contacted via phone, mail, or email by Specialized Loan. As per the periodic statement rule of the reforms passed in the XXXX, I am entitled to a monthly statement from my new service provider, yet I have not received 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 2023-09-15
Company: LEXISNEXIS
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:
I was XXXX for my bankruptcy XXXX  XXXX in XX/XX/2019. My bankruptcy is being reported without my permission " Permissible Purpose '' 15USC 1681b ( a ) ( 1 ) ( 2 ) : Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

No written instructions were given/submitted to anyone. My bankruptcy should not be on my consumer report with XXXX, XXXX, and XXXX. This violates my consumer rights and should be removed immediately. I have reached out to the bankruptcy court ( see attachment ) they have confirmed that they do not report/verify bankruptcies to the credit bureaus. 

I have included communications from LexisNexis  who have been reporting to XXXX about my bankruptcy without my permission. As you see in the attached correspondences that their customers which include companies in various industries such as financial services, insurance, government and healthcare have a permissible purpose to access my information. this is a direct violation to my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XXXX I applied and received a HELOC loan from PNC Mortgage. In XXXX I was forced to file XXXX XXXX XXXX due to the loss of my company after the market crash in XXXX. This 2nd lien was included in that Bankruptcy filing. It was my understanding that PNC could no longer collect on the loan and PNC did not contact me post-bankruptcy by mail or phone since the bankruptcy until now. I did maintain my first mortgage and continued to make payments post-bankruptcy. I was even able to modify the mortgage in XXXX without knowing the lien from PNC still existed on my home. Which as I understand now means that they approved my mortgage company to maintain 1st lien position ahead of them on the title. Still I did not hear from them. Now I am trying to sell my home for what I believe to be the only debt and their lien surfaced at my closing as needing to be paid in full. The balance of the lien is the entire amount of equity I have in my property which I was relying on to move. I am now at risk of having now money if I pay them off or being sued by the purchaser of my home if the sale does not go through. If I pay them, I will be homeless as I cant afford another home without the sale proceeds. While I understand that under the XXXX filing they were not required to release their lien, I have consulted with other industry mortgage servicers and understand in XXXX the CFPB required servicers to send monthly statements to borrowers in this exact situation so they were NOT surprised like I was with a debt that I thought was gone. If they had done that and followed the regulatory requirements, I would not be faced with homelessness at this time. I would have been able to make other financial decisions. How can they not follow servicing rules and require me to pay them all this money that I didnt know I owed from over 12 years ago? It did not appear on my credit, I received no mail or calls. Ive suffered great emotional and actual financial harm in the last few weeks while they have not resolved this situation or relented on the funds due. Is this happening to other borrowers too? Only now, since Ive attempted to get this cleared are they sending me mail about loss mitigation assistance options. 
Also, as of today XX/XX/XXXX I was told by the attorney that the buyers want me out by XX/XX/XXXX so they can take ownership. I am in need of an answer quickly and don't know what to do. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE HOME DEPOT/CITIBANK pulled my report without authorization on XX/XX/2023. 

I assume related to fraud found on my report. Ive attached police report and

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 2023-05-17
Company: EQUIFAX, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
got judgement from me by check garnishment from my job. thought it was paid in full. not heard from them in 9 months all of a sudden my bank account has been drained no contact from them in any way shape or form. now my bank account is frozen and i have no money to cover my bills and no warnings once so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of 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 2022-02-09
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, thank you for accepting my complaint and for what you do. XXXX kept sending me billing notices for a mysterious order/item ( s ) and they refused to give me statements or the bill for them. I made requests in email and I have their emailed responses. They even told me that they can't find an account for me ( see their email ). They eventually put it on my credit report for {$110.00} and I disputed it and showed the evidence that it wasn't my bill and the entry was removed. Years later, they gave the debt to JEFFERSON CAPITAL SY who refuses to remove it from my credit report. I hadn't ordered anything from XXXX and they never showed me a bill or receipts. It isn't my debt. Please investigate and correct this. 

Please tell me how to submit the emails between me and XXXX  thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Credit Systems International, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am the federally protected consumer. I am not being coerced by any third party agency. I have more evidence in regards to this company 's willful negligence. I am aware they are attempting to collect on behalf of someone else, however, this company is furnishing inaccurate information furthermore violating my federally protected rights as I never gave permission to them directly to furnish anything to my consumer report. They are also furnishing transactions and history between a creditor and I, which, according to law should be excluded from consumer reports. This company is a VIOLATOR!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to file a claim against XXXX, Equifax, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct XXXX XXXX XXXX responded stating that all information was removed and requested XXXX, Equifax, and XXXX to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I booked a 4 night stay at XXXX XXXX XXXX XXXXl in XXXX XXXX XXXX XXXX through XXXX. ( XXXX ) .and prepaid the reservation with a XXXX XXXX  card issued by AFFIRM in the amount of {$320.00}. XXXX XXXXXXXX sent me a copy of the charges and receipt. Upon checkin, the hotel said they only charged the first night and I still owed the other 3 nights. In order to checkin I had to have another virtual card issued for the alleged balance of XXXX. 
The hotel and XXXX assured me the double charge issue would be resolved. 
I have plead my case to the hotel in XXXX, filed a complaint with XXXX XXXX as well as a dispute with Affirm. 
Affirm is still demanding payment even though my account was clearly charged 2 twice. The hotel never returns my email or calls and XXXX says they are investigating but I have had no response from them in over a month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This happened on XX/XX/20 and XX/XX/20. On XX/XX/20 I went to the Capital One credit card website to find an ATM that died not charge for cash advances. It said XXXX ATMs do not charge a fee. However when I withdrew the {$20.00}, it charged me {$4.00}. So after that I had {$10.00} available credit. I just spent {$3400.00} cash, all to my name moving this weekend and was planning to use the remaining {$10.00} from my Capital One card for groceries. I go to XXXX supermarket and try to charge {$10.00} in a line filled with customers and it declines! I then said try {$9.00} because I checked earlier and {$10.00} was available. I swiped the card for {$9.00} and the clerk said that also declined. I immedilogged into the Capital One app to see what was going in and it said I had been charged another cash advance fee, this one was now {$10.00}!!!! Luckily a guy behind me offered to pay for my groceries, I was so embarrassed. I then called Capital One and spoke to a supervisor and he said they do charge a 3 % cash advance fee or {$10.00} whichever is greater. I told him I was already charged {$4.00} at the actual ATM that was listed for free withdrawals, and asked him if he could issue a one time courtesy credit for the {$10.00} credit since I was unaware of the charges that would incur off of a {$20.00} withdrawal. He said he could not. I told him taking out a total of {$14.00} is ridiculous on an only {$20.00} withdrawal and immediately told him to close my card. I want something done about this. This is ridiculous to let a credit card company get away with charging that much for a {$20.00} cash withdrawal.

If you chose to investigate the last 4 digits of my card were XXXX. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation