BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 U.S.C 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 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 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 7 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 2023-08-28
Company: Autovest, L.L.C.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act Autovest LLC violated my rights. Account opened XX/XX/2020, {$21000.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I declared bankruptcy back in XXXX. I went to school part time but my student loan was not discharged. I read that it should of been. also this school when I went to it XXXX XXXX was not a college when I started and became a college during my time there. I also read that it should of been discharged during my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've never heard of Sequoia Financial Services until I got a credit report. I noticed that this company had an account opened for me in 2017 and slowly ruined my credit by claiming I had not paid my credit with them. I never received mail or any notification for the 59 month 's worth of payment history data that was collected by the credit bureaus. The original amount being XXXX dollars and XXXX dollars being the total past due amount. It seems they only meant to destroy my credit without warning. My attention was only brought to it because it was the IRS that tipped me off to something being terribly wrong my notifying me that my tax refund had been intercepted in order to pay off a debt I wasn't aware of. 

As for the actual medical incident, which I did not call nor received medical treatment for, I was hit by a car while on my bicycle. I did not ride an ambulance, and I knew I was not in shock. A friend of mine from high school happened to be one of the XXXX 's and he just made sure I was okay. I did not realize they sent me a bill for a bad excuse for a reunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX by LoanCare : XXXX. I submitted my mortgage payment on XXXX in the amount of {$2700.00} XXXX. Payment was reversed on XXXX for what was originally labeled incorrect information but then changed to NSF. 
XXXX. We did not receive written or electronic notifications that the payment was reversed. 
XXXX. On XXXX I received a notification that my XXXX XXXX had changed so I did some investigating into why, which was based on a missed mortgage payment. 
XXXX. I logged into the account to pay XXXX mortgage and the reversed XXXX payment. 
XXXX. I then reached out to the customer service at LoanCare to file a dispute and to ask for help reversing the decision based on my evidence. 
XXXX. All help was denied ( hastily ). 
XXXX. All payments are up to date.

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 2021-10-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I live in XXXX Tx, there were several charges that cleaned out both my checking claim # XXXX and claim # XXXX and savings account Claim # XXXX these transactions were made in New York at ATM terminals on XX/XX/21, the bank at first refunded the charges and now they reversed the funds and denied the claim leaving us with a debt, they claim that we need to prove that I was in XXXX at the time, while the complaint was made at the XXXX bank and the credit card was turned in at the bank my identity was also locally verified at the bank on the same day XX/XX/21 all of which is documented at the bank located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Also my boss printed out my payroll report showing that I had been working in the restaurant located at XXXX Texas not only on XX/XX/21 but also on XX/XX/21, XX/XX/21 were I have witnesses that would sing sworn statements that I was present and working on said dates but the bank refused it as proof of location.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received a letter from my bank, XXXXXXXX XXXX, that my name and social security number was compromised. They gave me a complimentary 24 month membership to XXXX from ChexSystems. I tried signing up for the membership online on XXXX I received an error message and was told to call the company. I called 4 different times that day receiving several people who tried to help me. I was forwarded to their " escalation '' department twice. I was left on hold for an hour and was disconnected. I tried calling again for the following day ( XX/XX/2023 ) and made three additional phone calls. My last call was with the " escalation '' department, and she told me she would have another department call me and it would take 24 to 48 hours. Today is XXXX  and I have not received any information from this company. I need help contacting SOMEONE in their institution who can provide me with the service that my bank paid them for. I would appreciate any assistance you can provide me.

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 2020-04-09
Company: EQUIFAX, 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:
I want to start by saying thank you for looking at the items I sent in for investigation to XXXX, Equifax, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX District of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report.

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information. 

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX 2022 Debt was a high interest loan higher than normal and I couldnt pay it down fast enough. So I tried getting a affordable payment plan, perhaps a few months to start because of a unemployment issue. Now the debt been sold and is on my credit report causing damage to my credibility and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MN
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to Experian in regards to inaccurate and unauthorized accounts being reported on my credit report. They were not give permissible permission to report these invalid accounts and I demand these accounts to be removed due to improper and false reporting of accounts that i did not authorize.

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 2022-05-26
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
" Borrower '' communicated to " Shellpoint '' in a XX/XX/XXXX, " CFPB '' complaint, ... if you look back at the data you will see the skipped payments you mentioned were made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. A review of the attached spreadsheet will show, under Insurance Premium Disbursements, duplicate PMI payments made on XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX payment installments. 

" Shellpoint '' never responded or corrected the PMI payments on " Account. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: CA
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 can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( Experian, XXXX and XXXX ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.

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 2023-01-03
Company: EQUIFAX, INC.
State: PA
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:
Equifax has consistently reported old or inaccurate information on my report that has led to issues for me obtaining a mortgage. I would like information on how to move forward legally to sue if you can provide that for me I would appreciate it. What government agency can I reach out to next to take this further cause my multiple attempts here as well as letter and phone calls directly have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: SC
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/2022 I sent a letter regarding inaccurate and misleading 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 dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2023-02-21
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX Mortgage Company is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.

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 2020-04-09
Company: SYNCHRONY FINANCIAL
State: OH
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 in reference to my XXXX  Credit card with Synchrony Bank, that I applied for in XX/XX/2019, After receiving my card to set up automated payments I called to make a payment and set it up with what was asked of me which was my routing # XXXX and checking # XXXX, I proceeded to use my card quite frequently during that time after for travel and personal use etc., my account became very high so in XX/XX/2019 I paid the card off. I planned a trip in XXXX for a little over {$400.00}, after that trip I came home started making payments once again per automation off my XXXX XXXX XXXX card. On XXXX XXXX I received a letter from SynchronyBank stating that my account was closed because of a number of dishonored payments. Since that date I have called Synchrony, many times until I was told that if my bank fax a letter stating I was in Good standing they would reopen my account, I talked to XXXX  and they composed that letter in which the stated the wrong institution and noted XXXX instead of Synchrony, but they received it at Synchrony ) and sent it to XXXX or XXXX, it took a few days but they reopened my account on XXXX XXXX stating they would contact all major credit bureaus to remove any delinquencies I was so happy my credit was restored because I have paid my bills on time, even before they were due, but was still puzzled why this was happening. XXXX preceded to make a payment of {$35.00} toward my account using the same automated system and on XXXX XXXX I received yet another letter stating my XXXX XXXX XXXX Visa card account through Synchrony Bank was a deny payment, why would I make a payment and then deny it? They said it was done online, I told them I never go online, only call automation, thats when my bank told them they were sending my payments to the wrong account because XXXX   requires all the numbers, they are stating I gave the wrong numbers they put in the last 4 which is XXXX which we figured was going to someone elses acct XXXX  informed them they need to put in all the checking numbers in order for payments to go through. Please I need help on restoring my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief