BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have seen that this company have been fraudulently charging me when the account has been closed forover a year now, it is also showing incorrect dates on all three of the credit bureaus according to the datesshown on each account, i will like this to show this as removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: CA
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:
Hello, I 'm a XXXX. I took out XXXX school loans from XX/XX/XXXX-XX/XX/XXXX serviced by Navient ( formerly XXXX XXXX ) for well over XXXX. For the next 6 years I finished my XXXX ( 5years ) and XXXX ( 1 year ) at XXXX including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with an average yearly income of XXXX. Through out these six years I was repeatedly and from the very beginning was steered by Navient into forbearance. 

The cycle began with when I started residency and my loans went into repayment and I discovered that the monthly payment was almost equal to my monthly income. I was told by the company that deferment and forbearance is my best option unless I had another source of income. Yearly I would receive letters stating that forbearance was expired and that the next payment ( almost equal to my income ) was due and several times received a late fee because I failed to make that payment. Then I would call and was told that the best option was sign a forbearance to avoid further penalties. In the end I was left with nearly XXXX $ when I graduated fellowship. XXXX When I got my first job as an XXXX at XXXX XXXX XXXX, I met with an financial advisor who explained that an option called Income Based Repayment was available and I could have also taken advantage to Loan forgiveness that would have saved me over XXXX $ over the years, however it was too late because now my income has substantially increased and I did not qualify. 

I feel that Navient steered me as an struggling borrower toward forbearance, and obscured information about programs that would have saved me over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: NY
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:
as notified before i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I PAID OFF AN AUTO LOAN WITH XXXX XXXX ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM DECEMEBER XXXX, XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY XXXX YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM XXXXXXXX XXXX AND I HAD NO MISSED PAYMENTS.

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 2022-11-26
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2020-02-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
To Whom It May Concern : On XX/XX/XXXX, we paid off our home mortgage with Lakeview Loan Services LLC. The amount due was wired through XXXX XXXX XXXX from our XXXX XXXX XXXX XXXX in XXXX Colorado. We never heard anything from Lakeview that the loan was paid in full. We just stopped receiving bills for our mortgage. 
In XX/XX/XXXX, I called the XXXX County Clerk and Recorder Office in XXXX, Colorado and asked if they had received evidence that our loan had been paid. They only had the lean we originated when we purchased the house. 
I then called Lakeview Loan Services on or about XX/XX/XXXX to ask about our loan and if it had been sent to our county or another county by mistake. They assured me that it had been released on XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX County Clerk and Recorder Office again and after checking again, nothing had been posted. 
I called Lakeview Loan Services again that day and she said it had not been sent, but would be sent that day, XX/XX/XXXX. 
In the first part of XXXX we received the Annual Tax and Interest Statement and a Customer Account Activity Statement. The Customer Account Activity Statement shows the payoff payment, but no XXXX   balance of the loan. 
So, XX/XX/XXXX, I called that XXXX County Clerk and Recorder again. Nothing has been received and posted. 
I called Lakeview Loan Services again and the woman I spoke to said that it should have gone out fifteen ( 15 ) days after it was paid in full. I asked them if they could send a new document, they could not answer or explain anything, the woman was silent, I finally just had had it, I felt like they didnt know what they were doing. 
It has been five months, I made several calls and finally someone gave me the number for the Consumer Financial Protection Bureau. I am hoping you can contact this company and resolve this issue. If my husband were to pass away, I could not sell the house. This is just wrong and Lakeview is doing absolutely nothing to correct the mistake they made. They have made no effort to contact us. 
Thank you for helping us out on this matter. I look forward to hearing from you soon. 
XXXX XXXX XXXX and 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 2023-06-29
Company: SYNCHRONY FINANCIAL
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing yet another complaint against Synchrony Bank, due to recurring issues. My primary concern is the lack of clarity regarding the outcomes of my previous disputes. In this complaint, I will be providing specific transaction amounts and approximate dates related to some of my disputes. Yesterday, I spoke for an hour and a half with XXXX from the dispute department. She told me that for many of the disputes that I filed, I was given provisional credits that were then overturned in favor of the merchant and rebilled to my account. Synchrony Bank neglected to inform me about these reversals, which led me to believe that I had received permanent credits. When Synchrony overturned the disputes, they rebilled me for the amounts without my knowledge. In many cases, I had re-disputed the amounts multiple times, and this is reflected on the statement they sent me. Synchrony Bank 's failure to notify me about the rebilling of these disputed amounts while allowing me to believe I had received credits is deceptive. I have contacted them on numerous occasions, and they confirmed to me many times that the disputes were resolved in my favor. However, upon reviewing the statement they provided, it is evident that many of these credits were later overturned, without my knowledge. Also, the statement they sent me doesnt include the names of the merchants nor what products or services were purchased, but I have kept some notes on this information, so I will try my best to provide you with the most accurate details I have. Some of the purchases are not even on the statement they gave me for some reason, the statement is missing a few transactions. Furthermore, I contacted Synchrony today and experienced unhelpful customer service from XXXX. He displayed no willingness to assist in resolving the issues related to my disputes. XXXX even stated that he was unable to provide me with crucial information regarding the disputes, including the names of the merchants involved or the dates of the disputes or purchases. To make matters worse, he placed me on hold for an extensive 20-minute period before hanging up on me. I have included the data for my disputes in an attached file. Thank you again for your 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 2018-12-12
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/2018 I have reached out to All three credit bureaus requesting corrections to my personal consumer credit report. 

I have contacted all three agencies via telephone and also via certified US mail with my requests for corrections. 

Since my initial requests submitted back in XX/XX/2018, I was able to get multiple items corrected on my personal consumer credit report with the exception of several items that are still invalidly listed on my profile. 

XXXX  is the primary credit reporting agency that I am having the greatest difficulty with getting them to report accurate information on my personal credit report. I have spoken with them via certified US mail and over the telephone with an agent representing their agency and was told that the only way that I am able to view my personal credit profile online, would be to subscribe to a service that they offer for a fee. 

XXXX  is allowing various companies to list inaccurate information and information that does not belong to me onto my personal credit profile, after I have disputed it several times within the past year. This is hindering my credit abilities and causing great strain within both my personal and professional life. 

One of the main issues that I am having with XXXX, are the correct reporting of my student loans, I have consolidated all of my student loans which should be listed under only one Agency, however XXXX  is listing them under the agency that they are consolidated with, but they are also listing them individually making my credit profile look as if I have double the amount of student loans which is impacting my overall credit score. 

XXXX  is also allowing XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX to report inaccurate information on my personal credit profile which is impacting my overall credit and credit score.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: MD
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX 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 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 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$3200.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$950.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XX/XX/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 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 2021-07-22
Company: Collections Acquisition Company, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, an amount of XXXX appeared on my credit report from XXXX XXXX XXXX A check had been written on an account that has been closed since XXXX, when I had identity theft. This is not my debt. I received a call From Sheriff department in XXXX county in XXXX XXXX. There has been another check forgery in XXXX county. I have not written any check to XXXX XXXX XXXX. These checks are forgery. 
I disputed these allegiations but the calls continue. 

Numbers-XXXX, the recording states time sentive, call XXXX Reference number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  / XXXX / {$25000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2023-05-19
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit has been reduced 3 times in the last year from {$15000.00} to {$8500.00}. The most recent was on XX/XX/XXXX. My payment history with the company is excellent so there is no reason for the decreases. Their actions are causing my credit score to stay stagnant rather than rise which it should be. As I pay off the card, my credit utilization should be dropping, which in turn would raise my credit score. 

I've spoken to 4 representatives and am being told that there is no one who can restore my previous limit and that I should apply for an increase. The problem is that I won't get approved for an increase if my credit utilization, and this my score stay stagnant, which is purely due to their actions. 

There are 2 statements attached from XX/XX/XXXX and XX/XX/XXXX. Both show a credit limit of {$9500.00}. I don't have a statement from this month, but the limit is currently {$8500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance Owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance 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 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
15 USC 1681 Sector 602 States I have the right to privacy.

15 USC 1681 Sector 604 A Sector 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 plant as late for purpose.

Company response to consumer: Closed with explanation