BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: AL
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:
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 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 consuming 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 furnished 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 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Balance went down for a month, they charged me 3 times. Called multiple times never got back to me. Also said they will refund but never did. They stated some bogus FDIC regulation DD, which states nothing about charging 3 times for one month drop of minimum balance.

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 2023-11-14
Company: Experian Information Solutions 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:
A collection added in is directly affecting my finances. It is unethical, incorrect, and not being reported. This account should not be on my credit. 

XXXX and XXXX : Account number XXXX. MUST BE REMOVED NOW EXPERIAN : XXXX account number has never been late. This late payment MUST BE REMOVED FROM Experian immediately. 

I disputed XXXX XXXX  on XX/XX/2023 as well.

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 2023-05-13
Company: Dave Operating, LLC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The account was locked without warning. When I tried to reach a representative I was denied the opportunity to speak with a supervisor or legal department. Stated I can not access my funds and will not provide a reason why. When I did receive a response back it was that I could not create a new account which I had not tried to do and have had the account since XX/XX/2022 with multiple different types of deposits. They will not let me access my money or provide a reason as to why I can not access the funds. Stated would not have a resolution for up to 5 days but then responded with the creating a new account response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband has also made a complaint against Navy Federal. He took out a personal loan and in XX/XX/2018, Navy Federal contacted me to say he was late on the loan payment and that I was a co-signer. I never co-signed any loan. I have never been in a Navy Federal location and have not signed any documents with them.

Prior to this, we had an identity theft issue at Navy Federal where they said we had a loan out and my husband ended up filing a police report.

In the summer of XX/XX/2018, I got a call again from Navy Federal saying my husband 's checks bounced. I told them again that I did not co-sign for the loan and they urged me to not take my name off of the loan as it would cause my husband legal trouble. My husband said he signed up for the loan over the phone and then went into a Navy Federal location to sign the paperwork. We then asked for them to mail us the paperwork where it would indicate I co-signed the loan and we never received  anything from them in the mail. 

In XX/XX/2018, I received a letter from Navy Federal stating the loan had an outstanding balance of XXXX. My husband took out a loan for XXXX to consolidate debt from medical bills. The last time he spoke to Navy Federal, he had explained that he had lost his job and that they were working out an installment plan. We had no indication that this loan had accrued XXXX in fees. No letter or phone call was made and he was under the assumption that the installment plan was still in place. When I contacted Navy Federal again, they said that the loan was in collections and we would not be able to remediate the issue.

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 2023-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit reporting act the following creditors violated my rights under the 15 USC 1681 section 6 o 2 states " I have a right to privacy ( 15 USC 1681 section 604 states a consumer can not furnish an account without my written instructions under 15 USC 166b, my XXXX account, Bank of America, XXXX XXXX, and XXXX XXXX. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. 

Under the FDCPA, a debt collector may not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from XXXX demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.

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 2023-11-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 credit bureaus that the accounts reported below in not authorized. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: OH
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
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 am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested to correct of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and correct my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX XXXX XXXXXXXX Balance : 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 2023-11-14
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Experian, because they were still showing a balance on my XXXX loans that were XXXX earlier this year. I submitted the letter, dated XX/XX/2023, from XXXX that confirmed that my loans were at a XXXX balance and I had satisfied my obligation on the loans. Instead of removing the loans, Experian updated my balance from {$65000.00} ( my balance prior to discharge ) to {$110000.00} ( an amount far greater than I ever owed ).

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 2022-12-06
Company: Experian Information Solutions Inc.
State: TX
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 name is XXXX XXXX, I am a federally protected consumer. I initially communicated with Experian Information Services in XX/XX/2022 via certified mail USPS in regards to entries appearing on my consumer credit report. Experian sent me an alert via the online app stating that my documents were being processed as a dispute. On XX/XX/2022 I received an additional alert stating that information was being updated. On XX/XX/2022 I mailed Experian a letter stating that I was requesting a complete investigation. I have enclosed letter that was mailed. Experian has continued to violate my rights, breach my privacy and identity.

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 2022-06-18
Company: EQUIFAX, INC.
State: NC
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:
Hello, I recently contacted XXXX, Equifax, and XXXX and asked for an investigation of everything they are reporting on my credit file. I have received back from each bureau saying items were verified. I did thorough research on each myself and found improper inaccuracies in all 3 even after they did thorough research. Listed below are the accounts that were reported as accurate back to me, I will also upload a screenshot of each account showing the inaccuracies. 
Also In accordance with the Fair Credit Reporting act The following accounts have violated my rights. : XXXX Account # XXXX ( Screenshot uploaded ) date open, payment history XXXX Account # XXXX ( screenshot Uploaded ) open date XXXX Account # XXXX ( screenshot uploaded ) date open, payment history XXXX Account # XXXX Screenshot uploaded ) open date, status, pay history XXXX XXXX Account # XXXX ( screenshot uploaded ) Pay history and date last active and limit. 
The above accounts have violated my rights. In accordance with the Fair credit reporting act : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Credit Card Acquisitions Group
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A XXXX XXXX from Foster and Monroe called myself, my place of employment, my spouse, my daughter and my mother to attempt to collect an unvalidated payday loan debt from XX/XX/2014. When calling my daughter, the agent on the phone, Ms. XXXX, told my daughter that " she should care because it will effect her, '' and they could, " take her house. '' They asked my daughter to verify my date of birth, as well as my social security number, which my daughter declined. In contacting my mother, the caller listed my date of birth and my spouses date of birth, and saying there was " a complaint against '' me and my spouse " in her office. The caller left a message stating that my mother needed to contact them directly, or have her attorney contact him. When I contacted them upon hearing their message, I spoke with a XXXX. I told XXXX that I wished for my family and my employer to no longer be contacted, and he told me that my daughter would not be contacted further. In addition, XXXX told me that since the alleged payday loan was with a tribal community, that Federal Debt Collection Practices did not apply. He asked repeatedly to confirm confidential information, which I declined. When I asked if his company was a debt collector or a law firm, he said they were " paralegals '' and that they just " handled the paperwork. '' Upon researching, this is a gross distortion of the this company 's business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I can not get my total Statement due on my QVC card..I have called XXXX  times I have been transferred XXXX  times nobody can tell me the total balance do on my Q VC account they only tell me that the amount do is {$15.00} XXXX XXXX only I want the total balance synchrony and QVC will not tell me the balance due so I could pay my card off And the total Balance DUE is not on their statements. This should be against the law. Please assist in getting my total balance due on the account so I can pay it off without interest!

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 2022-03-04
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have contacted primere auto credit on several occasions.. I purchased my vehicle in XX/XX/2018 and I had to get car repairs done in XX/XX/2018 that totaled an amount of over {$700.00}. When I asked if I could defer a payment I was first told to send in documentation to support my request. When I finally had my documents I was than told no I could not do a deferment and I did not need to send in any documents and in order to defer I would have to make a total of 10 payments. This was in XX/XX/2018. I have recently contacted them and requested the same thing and was told to send in paper work again. I declined and advised I was told something different in XX/XX/2018. I have tried speaking with a supervisor and the customer service reps I get the refuse to transfer me and say they are transferring me to a voicemail which I get hung up on. I am at the point I can no longer sit on the phone with rude unprofessional people trying to get correct answers to my questions regarding my loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: BB&T CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX of BB & T in XXXX XXXX, TN pulled my mother in laws credit report ten times back in XXXX of 2018, which ruined her credit report rating. He has since caused problems of rudeness. He told us the loan we applied for, of which he pulled her credit ten times, was denied however we never received a letter stating why. He refuses to answer our questions. I have been told to report on Regulation B.

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