BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Partners Financial Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PARTNERS FINANCIAL SERVICES INC STARTED CONTACTING ME OUT OF NO WHERE SAYING I OWED   XXXX   XXXX   XXXX    {$1900.00} NEVER TELLING ME WHAT THIS WA S ABOUT.THEY  HAVE BEEN CALLING AND SENDING LETTERS SINCE  XXXX   2016  ON ACCOUNT NUMBER  XXXX  .FROM MY UNDERSTANDING THERE 'S A BOL MISSING THAT WAS SENT TO THE BROKER ON TIME, THAT THEY HAVENT TIRED TO GET A COPY FROM, KNOW ONE HAS EVER CALLED ME ASKING FOR IT TO SEE IF I HAD A COPY .THEY JUST STARTED HARSING AND REPORTING FALSE AND INACCUARTE INFO TO CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX / XXXX /   16  Called credit bureau to try to have inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX last reported XX/XX/2021 in the amount of {$420.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted XXXX XXXX individually and have not received any reply back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputes with Equifax  three  seperate times  XXXX  tax liens showing on my report. This item was incorrectly assessed at the creditors level. Because the first  two  disputes came back as verified by  XXXX  I did my own research. Verified that this debt was not mine and the issue was resolved at the creditor level.  XXXX   XXXX  did a investigation per my request found the debt to not belong to me and removed it from their files. I started my third dispute with Equifax. This item was removed promptly by   XXXX    and  XXXX . I faxed my   XXXX   XXXX   report to Equifax with my dispute. Equifax stated numerous different things to me such as they verified the debt directly with the lien holder  (  creditor ). Which they did not. I requested in writing how they verified the debt. That statement sent to me by  XXXX  stated it was verified through   XXXX   XXXX  . It was not. Once I received that statement from experian I asked for an updated copy of my file from   XXXX   XXXX   It was still clear of the debt. I have spent well over  20  hours on the phone with  XXXX  to remove this item and they refuse stating that it was verified directly from the source. I called the source of the debt. They stated that they do not communicate with credit agencies directly ever. I asked for verification that the debt was not mine. The creditor stated that it never existed so they could not send me any letter stating that the debt was not mine. Additionally they stated that my record is clear of the debt and should reflect as such. It does reflect correctly with   XXXX   XXXX  . I am in a mortgage closing situation and it is delayed because of this refusal to remove the item. I can not close a mortgage loan with tax liens on my credit. My original close date  was      XX/XX/XXXX . It  is pushed back indefinitely. The owners may recind our contract to purchase. I have been calling actively since the end of     XXXX   2017   but the initial dispute was submitte d two ye ars ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Account closed by company stating due to annual review and lo w credit score no   balance on card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting Account # XXXX Dept of ED/XXXX, XXXX XXXX Dept of ED/XXXX, # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of ED/XXXX, # XXXX Dept of Ed/XXXX, # XXXXXXXX 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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be 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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Bank of America which owns Merrill Lynch is forcing customers to open additional checking accounts to achieve greater rewards. 

I have more then enough accounts with Merrill Lynch to qualify for preferred rewards. But nope Bank of America says I have to open another account so they can charge me more fees to get these preferred rewards even though on their own letter it says accounts can be Bank of America and OR Merrill Lynch accounts. 


That is nothing short of consumer fraud Bank of America want people to open additional accounts so they can get their fees and charge people to qualify for rewards program with suspicious wording on their own letters. 

Shame on Bank of America and stay away from them.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
These are all hard inquiries that were not authorized by me buy a signature, Credit Card, or the option to opt out of having these cards reported. This is a violation of my privacy according to the federal laws of Congress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXXXXXX XXXX All Banks XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  Banks and XXXX XXXX XXXX XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, 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 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 2023-04-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue regarding XXXX, XXXX, and Transunion, the major credit reporting agencies in the United States. It has come to my attention that these agencies are not deleting accounts after the statute of limitation for reporting debt has passed, which is a clear violation of the Fair Credit Reporting Act. 

What is even more concerning is that these agencies are purposely not reporting the whole payment history to avoid deleting accounts. This is completely unfair to consumers and it is unacceptable that they are being penalized for the credit reporting agency 's own negligence. 

Furthermore, when requesting a dispute for the statute of limitation, XXXX, XXXX, and Transunion have decided to place the full responsibility of the removal of accounts on the furnisher of the information reported. This is an unfair and unreasonable expectation to place on consumers who have no control over the information provided to the credit reporting agencies. 

I have personally spoken with representatives from XXXX, XXXX, and Transunion and have been instructed to dispute all accounts with the furnisher, and they would decide if the information would be deleted or not. This is unacceptable as these agencies should be conducting their own fair and reasonable investigation into these matters. 

I urge you to take action against XXXX, XXXX, and Transunion for their actions, and to ensure that they comply with the Fair Credit Reporting Act. Consumers deserve to have accurate and fair reporting of their credit history, and it is clear that these agencies are failing to provide this. 

Thank you for your attention 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 non-monetary relief
Consumer complaint received 2017-05-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told that it would be beneficial to consolidate my student loans since I was applying for the   XXXX    Loan Forgiveness. I called to verify that my consolidation would not affect by Bankruptcy Forbearance and was told it would not. Now, I am receiving a bill for {$1500.00} and was told that the loan was disbursed after my bankruptcy filing and was not included in the bankruptcy. I am currently in the middle of my Chapter   XXXX  repayment and my bankruptcy will not be  discharged  until  2019 . The provider acknowledged that I was provided incorrect information but told me there was nothing they could do. My only recourse was to contact my attorney. I am in the process of working with my attorney but this needs to be resolved. I was given incorrect information with a significant financial impact. FedLoan.org needs to be sanctioned and ordered to reinstate my bankruptcy forbearance. This predatory behavior is despicable and must be terminated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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