BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: VA
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. 

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.

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 2020-04-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has been attempting to collect {$330.00} from XXXX that I dont owe them. Ive reached out XXXX about this bill and they said they would remove it as my responsibility and remove it from my credit report. Since then, XXXX has put the {$330.00} with several collection agencies which was put on my credit report each time. 
Since XXXX I have disputed the {$330.00} placed on my credit 4 times by 4 separate collection agencies. Each time I dispute the collection it has been removed, only to be placed on my credit by another collection agency. Its presently once more placed on my credit report on XX/XX/XXXX by Convergent Outsourcing XXXX XXXX XXXX XXXX XXXX WA XXXX for {$330.00} Original Creditor XXXX. 
This collection has taken off XXXX  points off my FICO score in a time when I need my good credit to get a loan due to the current Coronvarius pandemic impacting my livelihood. It seems I dispute this collection, only to have it be placed on my credit by another collection agency XXXX hires. 
Im asking that it be permanently removed from 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 explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: MARINER FINANCE, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I registered my bank account online with Mariners Finance to make my payments. The numbers looked correct on my side and showed that my account was validated. I made my payment on time and then received a call that my payment did not go through. The branch manager said she couldnt confirm my account and need to speak to IT. She called back the following day to say my account number was wrong and I was going to now be charged {$15.00} and I couldnt make my payment online and needed to use my debit card and be charged for using that. 
This sort of additional charge has been occurring since the inception of this terribly high cost loan with a rate of 35 %. When I said this was not okay, I was continually told I didnt understand the process. The condescending manner to be spoken to is infuriating. And I assured the multiple people of spoke to that I am a licensed Mortgage Loan Officer and completely understand miscellaneous, frivolous charges and I told the last person I spoke to that I was filing a compliant. 
You cant restrict how a payment is made and charge them for making the payment that way when that manner is the only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
In XXXXXXXX XXXX XXXX my Wife and I filed for XXXX XXXX  bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay '', " Notice Only '' payments to be made by the debtor ( s ). On XX/XX/XXXXXXXX XXXXour bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on-time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '' to the credit bureaus. As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in there " Loss Mitigation Dept. ", the department manager XXXX XXXX says they have done everything they can do to fix this and blames the credit bureaus, the credit bureaus say they can only report what they receive. We check our credit regularly and pay monthly for XXXX XXXX XXXX, to date nothing has changed.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX ending in # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-01-25
Company: Kentucky Higher Education Assistance Authority
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have Private Student Loans with Kentucky Higher Education Student Loan Corporation in XXXX, KY. I can not make the XXXX $ payment per month and they have threatened to take my taxes and garnish my wages. I have no other options but to default on the loans ... I am at a loss and need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Navy Federal Credit Union offset over {$10000.00} in protected ( exempt from secure loan disclosure and special interests disclosures ) funds over the last year of my life. I spent over XXXX hours in the XXXXXXXX XXXX  branch working with XXXX. XXXX XXXX from NFCU has informed me they will not be refunding me any money, both credit lines are still active, and they will NOT offset from the protected/exempt funds moving forward. 

Questions : 1. Why is NFCU so confident in keeping protected funds? 
2. Why was NFCU allowed to falsely indicate my auto loan ending in XXXX was XXXX and XXXX  days late triggering the illegal offsets, " The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show our member established his used vehicle loan ending in XXXX on XXXX XX/XX/XXXX and as of XXXX XX/XX/XXXX, the account has a balance of {$8000.00}. XXXX XXXX loan payment is due on the XXXX of each month. On XXXX XX/XX/XXXX, our members vehicle loan went past due for XXXX payments, totaling {$1400.00}. {$1400.00} was properly transferred from our members checking account ending in XXXX in accordance with the promissory note, in which XXXX XXXX pledged security interest in any share or joint accounts should the loan become past due. 

Please see attached credit report dated XX/XX/XXXX dating back XXXX  years, loan ending in XXXX has never been recorded more than XXXX  days late ; XXXX and XXXX of XXXX. 

4. Has XXXX XXXXXXXX XXXX XXXX been violated? 

5. NFCU has admitted to offsetting protected funds, and yet with no remorse or refund ; what or who are the funds protected from if not NFCU? 

6. Why does NFCU have their own representative at the XXXX 

7. How powerful is NFCU after the XXXX CFBP order release, why no change as I highlighted repeated offenses?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Please send me proof the I requested the alerts. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinanced home mortgage on XX/XX/XXXX. The old loan and the new loan were with the same mortgage company, XXXX, also known as Dovenmuehle Mortgage , Inc . The Initial Escrow Account Closing Disclosure Statement ( shown in the attachment ) showed that the new loan escrow would open with a balance of {$5100.00} and in XXXX there would be a payment from the escrow account of {$4300.00} for Property Taxes. The new loan account showed the escrow account balance of {$5100.00} when it was set up on XX/XX/XXXX ( the second screen shot in the attached ). This screenshot came from the XXXX website details for my loan. The XXXX Property Tax Payment was never made. I received a Real Estate Tax Bill from my county in early XX/XX/XXXX. I called XXXX and was told to email it and they would look into it. I sent an email with a copy of the notice to XXXX on XX/XX/XXXX. I never heard anything. I then received a Delinquent Real Estate Tax Bill from the county in late XXXX. I called XXXX again and was told to send that. It was sent on XX/XX/XXXX. I called several more times over the next few weeks to try to ensure XXXX was looking at the issue properly and never heard back, always that they were looking into it. My last round of calls started on Monday XX/XX/XXXX to check that it would be paid. The county statement said it needed to be paid by XX/XX/XXXX to avoid additional additional penalties or collection actions. Customer service continued to tell me they see the issue but it would be up to the XXXX Department to take care of it. They also said it would be paid by the end of the week ( XX/XX/XXXX ). As of today, XXXX, it has still not been paid. When I called XXXX on Monday ( XXXX ) they said they would expedite the request to the Escrow department '' but that was all they could do and it was still in process. They also did not commit to sending a check let alone when they would send it. They also only noted that they would " do what they could '' to ensure XXXX covers the late fees rather then saying they would cover the fee. 
On one of my earlier calls the customer service agent tried to say I was responsible for paying the taxes since I refinanced and I had received the amount from the escrow account of the old loan. That is not what happened and I told them that, but I am concerned that the Escrow Department, which I am never allowed to talk to directly, does not see that. 
I am hoping CFPB can do something about this although I am not familiar with regulations related to escrow payments made by the mortgage company. I appreciate anything you can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Kriya Capital, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been trying to get remarks removed from all 3 credit bureaus TransUnion XXXX  and XXXX  after numerous attempts they still refuse to remove these remarks off of my credit report, they have violated the fair credit reporting act by denying my requests. This is my fourth attempt to get this resolved and they still havent removed these negative remarks.

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 2021-03-02
Company: Bull City Financial Solutions, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to ERRONEOUS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My online banking sent checks to Huntington. They cashed the check in XX/XX/2019 and lost the check inXX/XX/2019. XXXX  XXXX XXXX ( my checking account bank ) re-sent the check for XX/XX/XXXX and they did cash that one. They are still saying that they never received either and have reported me as 30 days late on my RV loan. I have never missed a payment EVER. They misplaced one check completely, and failed to account correctly for another. I have been in touch with them for over two weeks and they just notified me that they feel they are correct. They are wrong, I supplied them a copy of the cancelled check from XX/XX/XXXX in support of my argument.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The supposed name of the company is XXXX XXXX XXXX. 

I was contacted online through XXXX chat about a business opportunity to purchase the contract of a model they have employed XXXX XXXX. So the deal, as I was led to believe was to send these payments using XXXX, XXXX XXXX, XXXX, and XXXX First payment was on Tuesday XX/XX/2022 to a XXXX username XXXX in the amount of {$410.00}. 
The second payment was on XXXX  XX/XX/2022 for the amount of {$900.00} to XXXX using XXXX again. 
The XXXX  payment was the same night of XX/XX/2022 for the amount of {$1600.00} to XXXX using XXXX again. 
The XXXX payment was again XX/XX/2022 to XXXX XXXX for {$900.00} reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$500.00} using XXXX. Reference number XXXX. 
The XXXX payment was on XX/XX/2022 to XXXX XXXX for {$1500.00} using XXXX XXXX. Tracking number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX payment was on XX/XX/2022 but it didn't settle with the merchant for a XXXX days after. Her name is XXXX XXXX I sent {$1400.00}. Transaction number XXXX. 

I will be attaching screenshots documenting each and every transaction that I sent with any other information I have on this company. 

Thank you for your help in advance im praying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax isnt showing my credit union credit card. Removing that credit card from my report lowered my equifax score by XXXX points. The credit card was removed from their report after XX/XX/XXXX. The XX/XX/XXXX equifax report shows the decline in my score. I reached out to credit card company and they were filing a complaint as well. My XXXX XXXX score shows the credit card and shows the opening of the card XXXX of XXXX. Please rectify this for me. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: NY
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:
My XXXX lease for a vehicle, account was paid in full and closed XX/XX/2023. It is still showing up on all three credit bureaus as being a delinquent open account. I am not able to lease another vehicle with any dealership because they are taking a look at my credit history and denying me off of this XXXX account. I have all information showing that the account was paid off and it's supposed to be closed.I have contacted XXXX for 3 months straight and I've made numerous disputes with all three credit bureaus and nothing has been done. XXXX is acknowledging that the account is closed but nothing is being done.

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 2022-04-15
Company: TD BANK US HOLDING COMPANY
State: NY
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 did not open this account I do have another account with this company they opened the account by themselves with a different address so I never got invoices and wasnt able to pay the bills now Im late 120 days

Company response to consumer: Closed with explanation