BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax refuse to delete all negative items on my credit report XXXX XXXX XXXXXXXX and XXXX. Need to be removed immediately or will be suing for defamation. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I went to XXXX XXXX to buy a car, the agent asked if they could run my credit to see if I qualified for a loan. That agent went on to multiple banks and pullled the credit report and that I did not approve I was concerned that it would impact my credit scores. As it turned out it did impact my score. We ended not buying the the vehicle from them. 
About a week or two we went to XXXX XXXX XXXX looked we were interested and they ran my credit report and they also contacted several banks to get me financing I was not aware that they also used multiple lenders. I finally got approval from XXXX XXXX XXXX XXXX and bought the vehicle. 

My bank XXXX XXXX XXXX XXXX sent me notice that my credit score was lowered this week and I contacted Trans union they recommended that I start a case with your company so I can get a copy from your company and forward it to all three credit bureaus. 

Please contact me asap sincerely 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 2022-11-07
Company: EQUIFAX, INC.
State: FL
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 # LP XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX XXXX/ Account # XXXX Account name : FXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX/ Account # XXXX Account name : XXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : US DEPT OF EDUCATIONXXXX Account XXXX XXXX Account name : XXXX/ Account # XXXX Account XXXX : US DEPARTMENT OF EDU XXXX Account # XXXX Account name XXXX US DEPARTMENT OF EDU XXXX Account # XXXX Account XXXX : US DEPARTMENT OF EDU XXXX/ Account # XXXX Account name XXXX US DEPARTMENT OF EDU  XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account XXXX XXXX Account name XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account # XXXX Acount name : XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX/ Account # XXXX Account name XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXX XXXX 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 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 2016-02-23
Company: First Recovery Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/XXXX, a robocall was left on my voicemail - stating that there was a message for XXXX and given claim # XXXX. I returned the call. I was told I was in Breach of Contract for a payday loan taken out on XXXX/XXXX/XXXX from XXXX XXXX, and I owed {$500.00}. When I asked for a mailing address for the debtor, I was told they could not provide that for their own security. They said they could email me information only. They provided a fax XXXX Attn : Arbitration. They stated that if I did not pay on the debt via credit card, would go to jail and I better get a " good lawyer. '' They had my last XXXX of my social. They are leaving these messages on my cell phone and sister, husband, mother and brothers phone. They do not have a legitimate company -- internet research is showing this is a scammer number. I do not have any outstanding payday loans - nor have I taken any payday loans in XXXX. These company is operating as a bogus debt collector and will only accept payment via electronic means. They will not provide a mailing address. I have called multiple times and they yell, threaten with jail time and that they will see me in court, and then hang up. They will not give you any verification of alleged debt, will not provide you anything via mail

Company response to consumer: Untimely response
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.

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 2022-04-16
Company: BAM Management US Holdings Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX Binance.US rolled out a new XXXX XXXX XXXX XXXX without any type of notice to its end users. This new policy is forcing its users to take a video scan of their face and submit it to Binance.US. and their third-party service providers and their affiliates. If you do not accept and or agree to this new policy you are looked out of your account with no way to withdraw your funds. Obviously this is very sensitive data, and I refuse to take part in this new policy. I also firmly believe in by giving up privacy for security you lose both, and I refuse to let this company take average of my personal data like this and refuse to let them hold my account XXXX until I comply. 

I have tried numerous times to reach out to their support and all I get are automated responses. ( Copy and Paste Replies ) I dont understand how this can be legal. How can a company change its policy without any type of notice and hold a users portfolio hostage without any means of exit. I love the idea of XXXX and what it stands for, and its exchanges like this that give it a bad name. 

Seeing how all of my attempts to get access to my money have fallen on deaf ears, I would like to file a formal complaint against Binance.US

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Blackrock Mitigation Group LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On approximately XX/XX/2016 I was contacted by a person who claimed to be a courier. He stated he had an important paper for me. When I asked what he stated " maybe a summons '' I asked who he was delivering it for and he provided me a phone number. I called the number and spoke to a representative who stated that they were a pre litigation company and were contacting me to see if I wanted to pay the bill owed to XXXX . He further stated that he worked with an attorney in the office who represented XXXX and that he would see if they would take a settlement. This representative never informed me they were a debt collector and that they were attempting to collect a debt. They stated that XXXX may still want to take me to court even if I paid. Fearing a lawsuit I paid them {$980.00} with a credit card. The representative further stated that they would send me a letter to submit to the credit bureau 's to have the charge off removed by XXXX. When I did this the charge off was not removed. I called XXXX and they stated that they had sold the debt to Blackrock and that the charge off would remain on my credit bureau for 7 years. I paid Blackrock under the believe by their statements that they were attorneys planing to sue me and that by paying the debt I would have the charge-off removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-29
Company: NAVY FEDERAL CREDIT UNION
State: TN
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 Navy Federal Credit XXXX has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 'm serviced by Navient, I was required to start paying back my loans before I had actually graduated a year after take a leave of absence form school because of the economic downturn at a time when I had only XXXX class left to matriculate. Navient encouraged me to use forbearance during this period when I might have been directed to an ICD or ICR payment plan. I would like Navient to be require at minimun to be responsible for the increase of debt/payments resulting from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I reported Fraud on my credit card. I reported the Fraud to Bank of America, the charge is still on my file as they " research '' the issue. I want to pay the balance of my card but I do not want to pay the fraudulent charge. As a " preferred client '' I tried to call and speak to the claims department and was told I would need to wait over one hour. There is no online assistance and I suspect Bank of America is not doing everything in their power to resolve this manner in a timely and satisfactory manner.

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 2019-11-26
Company: Experian Information Solutions 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:
I recently received addition information on my dispute to Experian. ( Please see attachments ) In XXXX of 2019, I sent Experian a dispute letter challenging multiple inaccuracies and violations on my Experian credit file. 

As a result of the my dispute letter, Experian has sent me an updated credit report, which has no changes. The following accounts still reports with multiple inaccuracies and violations. 

XXXX XXXX XXXX XXXX currently reports a payment history on a collection account ; violation ; delete account. 

XXXX unknown account ; delete immediately XXXX- reports as being sold to security cardit services. However ; Experian does not report the company address or phone number. This is a violation. Account must be deleted immediately. 

XXXX XXXX XXXX XXXX reaged Account ; violation delete account immediately. 

XXXX XXXX XXXX reaged account ; violation ; delete account immediately. 

XXXX XXXX XXXX  XXXX reporting a payment history on a collection account. Violation ; delete account immediately XXXX XXXX unknown account ; no methods of verification has been provided by the company. Violation ; delete immediately XXXX XXXX  XXXX reporting a past due and payment history on a collection account. Violation ; Delete immediately. 

XXXX reporting as sold to security credit services. Experian does not reporte company address or phone number. Violation, delete immediately

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 2023-07-11
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:
I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  CARD XXXX Owed : {$15000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Last Thursday, I received a phone call that went to voicemail. It was apparently a recording, since the beginning was cut off. It turned out to be from a collection agency that threatened to file a XXXX and report me to credit bureaus. The message told me to go to their website, XXXX 

Since I was unaware of any delinquent payments, I went to their website. The name on the collection agency 's website was XXXX XXXX XXXX. The phone number is listed as ( XXXX ) XXXX, but there was no email or postal address. I was asked to enter my phone number and the last XXXX digits of my Social Security number. My supposed debt was to Washington Mutual, a company that ceased to exist in XXXX. 
I did at XXXX time have a credit card from Providian that got taken over by Washington Mutual, but that debt was discharged when I filed for Chapter XXXX bankruptcy ( Case No. XXXX, Date of Issuance : XX/XX/XXXX ). I dug out the paperwork I received afterward to make sure that my debt to Washington Mutual was, in fact, listed among those that were XXXX. 

According to the last page of the document, " The discharge prohibits any attempt to collect from the debtor a debt that has been XXXX. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take an other action to collect a XXXX debt from the debtor. '' After visiting XXXX 's website, I received a text message from " XXXX with XXXX '' ( XXXX ) offering to help resolve the matter, but ending " calls XXXX continue unless already resolved. '' I replied that this was a debt that had been XXXX to a company that no longer exists, and said that I would be reporting these attempts to the appropriate authorities. I received another call today, identical to the first XXXX but from a different area code. These calls are causing me to lose sleep and be unable to concentrate on my work! 

I am attaching a recording of the call I received today ( Monday, XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the company and asked them to verify debt, I have sent emails and shown that debt is not owed, the company will not remove the debt and states that I was to difficult to talk too, I have asked for the proof that they own this debt and they continue to deny me of that, I have asked that they remove the debt with all XXXX credit reporting agencies and without assistance they tell me they will and do not, I have spent countless hours on the phone and emails and money to check to see If they have removed the debt and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Avant Holding Company, Inc.
State: OH
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:
On XX/XX/22 I appied for a Avant credit card.It clearly states that no hard inquiry would be performed on my credit file.I check my credit report and there it was.I contacted Avant to have them remove the hard inquiry.I advised the person that I needed to speak with someone about my hard inquiry on my credit report.He asked me for my name which I gave and then my SSN number.I advised him that I would not provide it since I did not have an account with them.He then stated that he had to have it.I asked to speak with a supervisor and he said that he could not do that because I wouldn't give him my SSN.I would like the hard inquiry removed because they stated it would not be a hard inquiry and they falsely represented that and can not get it correct by them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by LVNV FUNDING LLC They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is Opened Date : XX/XX/2020 Original Creditor Name : XXXX XXXX BANK. 
Balance : {$12000.00}. 

I want to give LVNV FUNDING LLC the chance to solve this matter before any legal action is taken. 

Remedy : Deletion of account from all bureaus

Company response to consumer: Closed with explanation