BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MS
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am requesting to get my entire credit file. I have received several adverse actions against me. That contain inaccurate information. I am not asking for my consumer report. I have received a copy of all my up to date consumer reports. I need to retrieve my entire file that your company has assembled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: R & B Corporation of Virginia
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Please validate this alleged debt. This is my 2nd time contacting you about this account and I hope this time with the help of CFPB you will not grant my request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: LEXISNEXIS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2021-05-04
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:
XXXX student loans reports that I was 60 days late on multiple accounts on my credit report. I have sent letters to XXXX and the Credit Agency showing that i wa in a forbearance with my student loans. I contacted XXXX with copies of my application for the forbearance and the credit report. XXXX also has failed to process my application for over 3 months which is why I am showing 60 days late. I have all copes of my approval, and applications of when applied each time.

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 2023-06-07
Company: Synovus Bank
State: NJ
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, NJ XXXX City, State Zip XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, PA XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal Law. 


Yours Truly XXXX XXXX, XXXX XXXX All Rights Reserved )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
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: Their investigation did not fix an error on your report

Complaint:
Experian do not clearly state the results of my credit report dispute. Instead, they only give information that implies that the disputed account still negatively affects my account, and they state that I will have to pay for reports and fraud protection in order to see the results of their inquiry. 

Experian dispute number XXXX submitted XXXX XX/XX/2019. Reported as resolved on XXXX XX/XX/2019 via email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX NA XX/XX/2018 unauthorized COLLECTIONS XXXX   XXXX XXXX not mine XXXX XXXX not mine

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 2023-11-25
Company: EQUIFAX, INC.
State: NC
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of mallard cove apartments in XXXX va in XXXX of 2019 due to a protective order and domestic XXXX. I was advised that I did not owe any money. I never received anything in the mail from the apartment complex nor collections. I recently pulled my credit report and saw a collection company, national credit systems showing {$810.00} due for mallard cove. I contacted them and they claimed it was for rent. However, I never received any notification from them nor mallard cove. I contacted mallard cove and was advised they did not have records from 2019 as they have new management. I contacted the old management company and was advised they sent all their records to the new company managing the property. When I contacted the property again, I was advised they show {$810.00} but my rent was actually {$820.00}. They stated a late fee of XXXX wouldve been attached and I should have a {$250.00} credit for my deposit towards the amount. However, the fees do not add up to {$810.00}. Nor do I have an itemized bill showing anything. There has been absolutely no contact from the collection company nor the apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a negative balance of {$800.00} in my student loan account. XXXX XXXX owes this money to me. It refuses to provide it. Please intervene in order that my funds are properly refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Klarna AB
State: NY
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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( KLARNA ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 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 2023-12-13
Company: Empower Finance, Inc.
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XXXX I attempted to get a loan in the amount of {$350.00}. I used the standard transfer option. On XXXX I received an email staying that due to a technical error my loan will arrive on XXXX instead. I did not receive my loan and opened a ticket on XXXX. XXXX responded that my loan failed due to a technical reason and that I should try again. Per support, I requested a test loan draw of {$48.00} and paid the fee for same day deposit. That loan was received that day. Following that, I requested a loan in the amount of {$340.00} and paid the same day fee. The {$340.00} loan did not arrive that day. I proceeded to contact support for additional assistance. Per support, I XXXX the auto-pay function until the issue was resolved. On XXXX my XXXX XXXX  was charged {$360.00}. I promptly contacted support for an immediate reversal. This lead to the account to be severely overdrawn and I am unable to make payments on bills. I attempted to follow up on XXXX. I did not receive a reply until XX/XX/11, in which Empower was still 'researching ' the issue. However, I am now incurring fees with my bank. On XX/XX/11 I filled a dispute with XXXX XXXX to reverse the transaction and have submitted the support tickets. 

Empower has been incredibly slow resolving an issue that is causing a major problem and incredibly high fees for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: MS
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am making a final goodwill attempt to have you clear up this matter its my understanding that the consumer financial protection bureau help enforce consumers rights and stop bad reporting agencies from reporting inaccurate incomplete information on consumers credit report also be advised that i made several attempts 120 days later. I still haven't gotten the proper validation. This agency is in violation of 15usc1681, for not properly verified the accuracy of any of the provided accounts I have copies for It's my understanding that reporting agencies are to ensure 100 % accuracy and not parroting false information which means any unknown account that can not be proved has to be removed. And section 1692g ( B ) states the collector must cease all collection efforts until this debt is validated.. another violation is 1692e ( g ) this agency has failed to communicate this debts is in dispute mode. It's obviously with 10 letters as proof this company can't verify this account, and under section 611 ( 5 ) ( A ) of the FCRA its required to be deleted ALL INFORMATION. i wont ever remedy that's granted to me for negligent noncompliance section 617 says if you fail to comply with the federal law, I can pursue litigation to enforce my rights under the FCRA.. I demand my right to be acknowledged to these company immediately. Sincerely XXXX XXXX 15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XXXX, 2. XXXX  XXXX 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 explanation
Consumer complaint received 2020-03-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Consumer Finance Protection Bureau : I am submitting a complaint against Barclays for erroneously holding me responsible for fraudulent charges on my credit card. The attached documentation shows that I was not present in the location where the fraudulent charges were made on the dates they were made. I attempted to resolve the matter directly with Barclays with no success. 
The fraudulent charges totaled {$680.00} and were made between XX/XX/XXXX - XX/XX/XXXX in XXXX, LA. I was not in Louisiana during that time. The attached hotel receipts and credit card statements prove that I was in Texas during the entire date range when the fraudulent activity occurred. 
As I explained in my letter to Barclays dated XX/XX/XXXX, I was working in XXXX XXXX in XXXX but I departed on XX/XX/XXXX, as evidenced in the attached flight records. My Barclays card was lost/stolen during this trip. When I received the Barclays statement, dated XX/XX/XXXX, I immediately called Barclays to notify them of the fraudulent activity. Based on the call, they closed the account, reversed the charges pending an investigation, and sent me a new card. At that point I thought the matter was resolved. 
But in XX/XX/XXXX I received notification from Barclays that their research has indicated that the transaction ( s ) is valid and that they were placing the fraudulent charges back to my account for me to pay. When I called Barclays to ask what the basis was for their decision, they told me I had said in my initial phone call that the card was in my possession. I dont remember saying that. Instead, I remember being unsure where the card was. At the time of the call, I thought the card might be somewhere in my house, but I wasnt sure. Even if I did say what they claim I said, it was an error on my part and disproven the evidence presented. 
After that call, I faxed a letter with supporting evidence to Barclays on XX/XX/XXXX, requesting they reopen the investigating and reverse their previous decision. In early XXXX, I received their reply, dated XX/XX/XXXX, denying my request and notifying me all charges were my responsibility. 
Having been unable to satisfactorily resolve the matter directly with XXXX, Im making this complaint with the CFPB. 
Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX as well as XXXXXXXX XXXX  An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, XXXX and TransUnion XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

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 2023-03-19
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX XXXXXXXX and was sold to Selene finance. My terms and payments were not supposed to be changed. The only thing that Selene said was changing was the payment address. My mortgage with XXXX XXXX XXXXXXXX was {$900.00}. At one point XXXX said the payment was {$750.00}. After a few months XXXX started sending my billing statements for {$8800.00} a month. I have called since this happened and nobody can explain why. XXXX will also not accept any payments lower than the {$8800.00}. I call XXXX a few times a month and nothing ever gets resolved. Now they are wanting to foreclose on my home. I pay my own homeowners insurance and taxes. At one point they said they were adding their own insurance. I never had an escrow account with XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation