BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
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: Information belongs to someone else

Complaint:
I am writing to request the removal of certain information from my file. The specific items that I require to be deleted are listed in the report enclosed with this letter. I have been the victim of identity theft, and I did not authorize the charges in question. To correct my credit report, I am requesting that these items be deleted. I have already reported the identity theft to the Federal Trade Commission, and I have enclosed copies of their identity theft affidavit for your reference. I kindly request that you take prompt action to delete the aforementioned items from my file as soon as possible. Thank you for your understanding and cooperation in this matter.

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 2022-06-01
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:
In accordance with the Fair Reporting Act XXXX  account consumer reporting XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.Bankruptcy XXXX XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act XXXX  account consumer reporting XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.Bankruptcy XXXX  XXXX # XXXX Has violated my rights. 
15U.S.C.1681 Section 602 A. States I have rights 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 instruction.

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 2019-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ID FOR XXXX XXXX-XXXX ID FOR EQUIFAX - XXXX-XXXX Folling my initial complaint to XXXX re predatory interest rates in XX/XX/XXXX, and as previously confirmed by XXXX through CPFB, this account never went in to collection, Instead they engaged in coordinated harassment by phone and on site. 

Since complaints to Equifax and to CFPB above on XX/XX/XXXX, XXXX reported erroneously to XXXX ( no change as of now to score XXXX ) : Payment after charge off/collection Settled - less than full balance With Equifax, in Mid-XXXX XXXX reported late payments in XXXX and XXXX of XXXX, which caused my credit score to drop 24 points from Excellent to Good. Following the above CFPB complaint, a remark was added regarding late payments and collection, but it has subsequently been removed. This morning, I was just notified by XXXX XXXX that a negative remark has been added to my Equifax report, and my score dropped another 45 points to XXXX ( Fair ). 

When I review XXXX closed account in Equifax, the calendar showing late payments and their latest remark had been removed. 

The notice on XXXX XXXX states Between XX/XX/XXXX and XX/XX/XXXX, your automotive account with XXXX XXXX was removed from your credit report ( although it is still showing as a closed account on XXXX XXXX  ). The remark on the Equifax Closed Account says " Consumer disputes - reinvestigation in process. '' Since XXXX has been adding negative remarks on an account closed equitably in XX/XX/XXXX, I have to question whether there is tacit or explicit collusion between XXXX and Equifax. I expect and request Equifax ( and XXXX ) to report the XXXX loan as as indicated on XX/XX/XXXX, and since, with no additional remarks, and restore my credit rating prior to predatory and retaliatory actions by XXXX in XX/XX/XXXX. Equifax has corrected prior erroneous reporting by XXXX since XX/XX/XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-06-01
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: HW Holding, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They contacted my place of employment and gave them information about where they were calling from. In turn, a fellow employee emailed me letting me know that the individual from that specific company had contacted me and had asked me to call them back.

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 2022-06-01
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Entrata Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Resident verify has me with an account that does not belong to me. I applied for apt and was denied because of eviction on my record for which I have never even lived at the address! I disputed it and asked it to be removed and provided identity theft report but still no movement. This company is ignoring me requests and has reported information that I have not given them permission too. 

Im accordance with FCRA 1681 I have a right to privacy ; and also no reporting agency shall knowingly report information believed to be false or misleading Resident verify ( entrada ) has violated my fcra rights and refuses to take down information that is damaging to my credit profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
After seeing 3 different branch managers and an uncountable amount of phone calls with corporate for over a year, for simply wanting to cancel wire services since XXXX of 2021, getting charged monthly fees for a service I requested to cancel, getting charged for stop payments on multiple occasions for transactions I did not authorize and still getting rejected, after so many bank visits, emails, additional monthly fees for XXXX knows what that no branch manager or account specialist or customer service rep could even explain to me what these fees are for, let alone follow up or do anything about it - I finally was able to close my two business banking accounts with PNC today. I feel humiliated and cheated out, since all these fees and unauthorized charges totaled over a couple of XXXX dollars. Each time I came last to visit PNC bank branches in XXXX XXXX XXXX XXXX XXXX branch managed by a XXXX branch XXXX named XXXX, XXXX XXXX branch managed by a careless branch manager named XXXX XXXX XXXX and a downtown branch formerly managed by XXXX ) I felt XXXX small and unimportant. They've all seemed " so helpful but busy '', telling me to send them an email, never following up, never calling back, never doing anything about it. When I call corporate they start telling me that I did request a cancelation for my wire services back in XXXX of 2021, but the branch manager never gave me another paper to sign to confirm it? Why is it so intentionally convoluted? And when I ask the branch managers about it they look at me as if I just landed from XXXX. They even put a new " work order '' for the wire services cancelation a month ago and never followed up with me about it. I have email communications proving all of this, bank statements and if needed deeply enough you could look into camera footage and see the amount of hours I spent in frustration at these branches, to no avail. This bank is run by XXXX, and even if I don't get anything back I want people to know about this running XXXX of a crime organization, claiming to be a bank. I'm just beyond tired of all this. If needed more evidence, I'm more than willing to dig through and gather any information about what I said here, I'm just so exhausted from dealing with such nonsense while on top of that trying to run a business, let alone have a life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi, I opened a new XXXX XXXX XXXXXXXX credit card in XX/XX/2022 and made my first purchase. As part of my purchase I received {$380.00} rewards in my 1st statement. 
I went to the XXXX XXXX  XXXX store in XX/XX/2022 and made a purchase of {$220.00} by using my rewards. The day after I checked my rewards balance it was showing as XXXX XXXX balance. I called customer service as I thought that it was a system error. They told me that rewards have to be used in one transaction and if I do not use it in one transaction, remaining balance is deleted. This was never communicated to me clearly neither I was applying to card in XX/XX/2022 or the day I was making a purchase in the store by using my rewards in XXXX. The sales clerk should have at least warned me about this. 
They told me that it is stated in terms and conditions. This has to be written as big as possible so customer can aware about this or at least store employees should inform customers about this. This is not fair! It is like a Scam! 
If I would have know this, I would not apply to this credit card. It is clearly a 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 2023-03-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested my credit card with Navy Federal Credit union to be closed on XX/XX/XXXX. I had already made a payment of {$160.00}. My credit report showed clsd for XXXX. On today XX/XX/XXXX I get multiple alerts from My credit monitoring stating, I had an account status change. My credit score dropped XXXX  points. Navy federal credit card is the only account on my credit report.Navy federal reversed my payments from my credit card on XX/XX/XXXX, then waiting to report to credit card as 30 days late. They reopened my card because it now shows on my credit report as 30 days late but I closed my card over 30 days ago. As you can see in the attachment for my credit report on XX/XX/XXXX my account was closed and current but they navy federal went back and changed the status today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were credit inquiries on my XXXX, TransUnion and XXXX credit reports that I didnt make.

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 2018-08-28
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing failed to resolve unfair deceptive issues before they transferred or sold my mortgage to XXXX XXXX XXXX. I requested loan remodification under the Harp Program when I took very ill and missed 2 payments. Instead Ocwen inaccurately adjusted my mortgage to a higher amount ( initially XXXX XXXX-payment {$300.00} for 240 months at 9.90 % interest rate ; in XX/XX/XXXX-balance of {$36000.00} was modified by Ocwen ),  did their own modification, and did not apply my previous payments of over 10 years prior. After months of inquiries and unresolved complaints, Ocwen transferred my mortgage. My mortgage suppose to be {$0.00} this year. After I inquired to my current mortgager, XXXX XXXX XXXX of final payment, I was informed they had to investigate and review file as mortgage info was confusing and not accurate in file. Now again, XXXX is transferring mortgage to another company also. I never missed but 2 payments which was in XX/XX/XXXXwhen I became ill ( was on XXXX ) and those payments were brought current in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Paragon Credit Services
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX has engaged in the following against me and my wife. 

1. Consumer Fraud : Company stated they would repair credit by deleting derrogatories from credit file. The company charged me thousands of dollars which we paid. Our credit got worse not better.

2. Fraudulent Marketing : Company provided misleading statements related to credit repair and also provided false claims related to being able to not owe any money if not satisfied. Company lies to Veterans to get them to sign up for this fraudulent service.

3. Lying to CFPB : Paragon claims that they won in the Arizona Attorney General Office. The fact is paragon never won anything. I filed a complaint against paragon with the Arizona attorney general 's office for fraud and consumer scamming. I actually won against paragon and now they are lying to CFPB. Myself nor my wife owe this company a dime.

4. Deceptive and harassing communication : This company bullies consumers by sending threatening emails and phone calls. The paragon owner is a complete fraud who preys upon consumers who are trying to fix their credit. Instead Paragon doesn't fix credit, and lies, and charges consumers for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-03-17
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
TransUnion violated my right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) -Accuracy and XXXX XXXX XXXX XXXX XXXX which is a violation of the ( FCRA ). pursuant to Title 15 USC 1681b ( a ) ( 1 ) -Permissible purposes of consumer reports, TransUnion have not got an order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, to furnish account ( XXXX DEPARTMENT OF EDUCATION XXXX to my consumer report. I as a consumer never VERIFIED nor gave prior permission to TransUnion to furnish the account ( XXXX DEPARTMENT OF EDUCATION ). I as a consumer is enforcing my RIGHTS and demanding that TransUnion Delete/Remove ( ALL ) accounts ( XXXX DEPARTMENT OF EDUCATION XXXX XXXX my consumer report or I'll file suit pursuant to Title XXXX XXXX XXXX XXXX for willful noncompliance and XXXX XXXX XXXX, for XXXX noncompliance Respectfully, TransUnion will be liable XXXX me {$1000.00} each violation for violating Federal Law ( FCRA ) 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