BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for credit card with Pen fed credit union on XX/XX/2023, Pen Fed made hard inquiry on my credit and put hold on my application on contacting Pen Fed they told me that I have been conditional approved for XXXX $ and told me to submit my proof of income .After submitting my proof of income I contacted them about status of my application, then I was told that in order to approve my application I would have to open savings account with them .One of there representative then opened my account over the phone and told me to wait 24-48 hours for underwriting to review my credit card application.I waited another 3 days and call them back for follow up, then I was told by one of there supervisor that they cant process my application because of some issues ( which they were unable to explain me ) and I would have to submit my application again .Which I think is not fair because they are gon na make hard inquiry again on my credit. 

My application number was 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 2023-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via USPS on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. 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 advise I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXXXXXX XXXX  : XXXXXXXX XXXX XXXX XXXX  will be filing form 211 Treasury OMB firms to audit consumer account. EQUIFAX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Goal Structured Solutions, LLC
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:
Dear CFPB, I am having a major issue with Launch Servicing. I have sent many disputes out regarding inaccurate information on my report but they have not fixed the issue. Today I called them to see how I can get this removed from my report and they did not want to help me. I attached a copy of my report showing different balances reporting across all 3 report. Including an attachment directly from their website showing a completely different balance. Can you please investigate this for me? It is causing emotional distress. If you look at my report this account is also reporting as 120 and 180 days late but also shows as a delinquent account for many years. I don't understand how its reporting as open and late. I am also going to file a complaint with the state attorneys office if this company doesnt delete this account because as mentioned I have filed several disputes already and they are still violating the FCRA XXXX I'm sure they are aware that they are violating my consumer rights. Thank you in advance for investigating this matter. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-09-29
Company: EQUIFAX, INC.
State: GA
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:
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. 

has violated my rights. Or a list of inquiries : 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 2023-05-07
Company: Experian Information Solutions Inc.
State: IA
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:
The following hard inquiries currently listed on my XXXX, Experian and XXXX XXXX credit report are all unauthorized and not my hard inquiries : 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 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 2022-12-07
Company: Experian Information Solutions 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:
Hello, Please see the documents attached to this complaint. 

I hope you can help me solve this problem..

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 2018-04-26
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I had hired a law firm to assist me with a loan modification.XXXX XXXX XXXX is very much aware that I am a XXXX XXXX as previously established in court.I was at in residence and left XX/XX/XXXX returning to my travel assignment.I returned to Fl on XX/XX/XXXX.Plane tickets are the proof to find the house broken in, garage door damagedl, door frame broken out.Locks changed.I had to call my attorney to figure out how to get into the house.XXXX XXXX XXXX   retained Altisource who in turn entered the premise under the false pretense the house is abandoned. The electric is on, the mail is being picked up.Salt is being added to the water softener.Altisource has refused to pay for the damages.It went so far their attorneys will not acknowledge the break in.My neighbor and I have filed a report with the XXXX XXXX County Sheriff s Department and the officier I have spoken to stated he would drive to the XXXX XXXX XXXX XXXX Office for his investigation.My other neighbor overheard how Altisource had planned on putting watch dogs in the house.This is customer abuse and harassment.I am requesting financial reimburement for the damages.I had the garage door serviced.Now it will not work.It is impact resistant.The door from the garage to the house is completely destroyed.The lock and door frame are broken out.They left the AC running with the door left open.Found refrigerator and freezer door wide open.I knew something was wrong because of the electric bill.

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 2023-06-27
Company: Resurgent Capital Services L.P.
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 recognized and I made a police report and notified the companies. I asked via USPS on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. 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 advise I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loan held by US Dept of Education is being service by Nelnet. I 've called Nelnet in XX/XX/XXXX to obtain outstanding balance information on my student. I was told my current balance was {$17000.00} which include debt from XX/XX/XXXX to XX/XX/XXXX. Approximately two months later I 'm being told my student loan balance increased by {$6500.00}. I called Nelnet servicing dvision to get reason for the increase. At first, customer service representative was n't to sure for the reason and transfer me to a supervisor. Supervisor told me increase was due to reduced APR I was being charged while I was in Chapter XXXX bankruptcy. Student Loan with US Dept of Education was included into my Chapter XXXX bankruptcy filling. I told supervisor this in direct violation of the federal bankruptcy laws. I 've sent letters to both US department of Education and Nelnet asking for someone to contact me regarding matter. I 've attempted to contact US Department of Education for assistance, but was unable to get any help. I getting the run around with Nelnet when I ask for explanation. Nelnet saying it 's US Department of Education that caused the increase. Which is untrue. My Chapter XXXX bankruptcy was discharge in XX/XX/XXXX and XX/XX/XXXX Nelnet provided balance of {$17000.00}. Do n't understand {$6500.00} increase two months later. I 've asked Nelnet to do a full accounting audit on my loan balances, but have yet received any information from Nelnet. Nelnet is misrepresenting my true loan balance and refused to get matter corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was evicted from XXXX XXXX XXXX  in XX/XX/2016. Manager XXXX told me not to pay rent and just to move due to previous altercations with neighbor below me. However, during court appearance, the balance owes was only {$1300.00} and now I have a creditor named Pro Collect trying to collect XXXX in owed rent which I feel is unfair if the manager refused my rent payment. This has caused hardship in me finding other places to live and I was forced to live with relatives because no one would accept me with that large amount being owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: M&T BANK CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2023, I received a wire transfer of {$21000.00} from M & T Bank into my NFCU account. After XXXX to XXXX days, M & T reversed the wire and removed my personal funds from my account and caused my account to be closed for receiving " unauthorized '' funds. This has caused me great harm. The clearly signed bank wire slip was prepared and authorized by the M & T employee at the XXXX XXXX, name XXXX XXXX, who I called and spoke with, and the sender, XXXX XXXX XXXX. ( XXXX attached. ) M & T prepared the wire and validated it by sending it out through their clearing system. The transfer must have been valid at that point and completed. The reversal of the wire made the funds proceeds of crime in the manner that it was recalled which caused me great harm. M & T enabled their client, the sender, to cash out of her commitment, leaving me on the line for {$21000.00} and causing my newly opened account to be shut down and my personal funds taken. Other funds were thereafter blocked causing me further hardship and inability to pay my bills. I will be requesting from the XXXX XXXX XXXXXXXX an answer as to how an " unauthorized '' wire can be sent over their clearing network. I am unable to access my bank statements as my online access to my account has been blocked to penalize me. I am the XXXX XXXX XXXX victim of M & T and their client, XXXX XXXX XXXX. When I spoke with my bank, they advised me to contact M & T and the sender. I wrote to XXXX XXXX XXXX, Chairman and CEO and XXXX XXXX XXXX, XXXX and XXXX XXXX M & T. Their less than satisfactory reply was that " due to privacy concerns '' they were " unable to provide [ me ] with a response ''. They then suggested " contacting XXXX XXXX directly to further address this matter ''. ( Copy attached. ) I have tried to contact XXXX XXXX and have verified receipts that my emails to her were received and opened. ( Copies attached. ) However, she has failed to respond. She and M & T are refusing to provide information that I am entitled to as they used my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Problem XXXX XXXX XXXX is reporting I still have a debt. The amount is {$220.00} XXXX XXXX XXXX is the debt agency that is dealing with XXXX XXXX  debt. 

On XX/XX/XXXX I entered into a agreement with Roach & Murtha , P.C . who was working on the behave of XXXX XXXX  to repay my debt in full. ( see attachment for the legal documents ) On XX/XX/XXXX Per the XXXX XXXX, statement I paid the last payment of XXXX On XX/XX/XXXX, I got the legal document stating that the account is paid in Full. 
For the last 18 month, XXXX XXXX  and XXXX XXXX XXXX report are still report out to all 3 credit company that it is not paid and I will owe the money. 

On Mon, XX/XX/XXXX at XXXX XXXX  I sent XXXX XXXX XXXX the below documents and they still have not done anything about and is still report that it is not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: OK
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these personal information!! i only have 1 name 1 address etc. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1

5 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 explanation
Consumer complaint received 2023-01-03
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:
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-Acct # 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 explanation
Consumer complaint received 2018-05-03
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a student loan with Sallie Mae in XXXX. On XX/XX/XXXX my balance owed was {$16000.00}. Navient took over my student loan while it was deferred. When Navient took over my loan the balance owed on my account went back up to {$21000.00}. When I attempted to discuss it with the customer service representative they told me I was never down to {$16000.00} and that I owed the {$21000.00}. I requested they send me documentation of all transactions with both Sallie Mae and Navient. They sent me the attached paper. I have also tried to speak with them about releasing a co-signer and the representative told me I could not release him, but didnt give any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : XXXX XXXX, Capital One Auto, XXXX, & XXXX XXXX XXXX. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.

Company response to consumer: Closed with explanation