BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I sold my XXXX XXXX XX/XX/XXXX that I got a loan for from Navy Federal CREDIT UNION... I sold the car to a third-party company XXXX... they called over and got a {$23000.00} 14-day payoff from navy federal ... XXXX sent over that full amount and now navy federal is saying they gave XXXX  a 14-day payoff amount of {$23000.00} but still released the title to them after XXXX sent over a check for {$23000.00} now its reporting to my credit that I owe money on the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MI
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 received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Equifax after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these Account : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX ( Late 30 days XX/XX/XXXX ) / ( Late 60 days XX/XX/XXXX ) on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have them UPDATE from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to update/correct any account which was opened without my knowledge, consent, or authority within 4 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 information relating to any transaction by the consumer.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not correcting this account is inadvertently resulting in me being extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
These hard inquiries are not mine. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/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 2023-01-16
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-08-25
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:
This is my response to a customer satisfaction survey that Experian Credit Bureau sent me : On XX/XX/21, I was trying to upload documents and it didn't work. The customer rep told me to clear my cache and try again. That still did not help and it caused me to lose all my saved history. I then try another browser and still got an error message. For some reason you people at Experian really don't want to help me address the fraud that was committed on my account. 

On top of that I was given three different addresses to mail my documents to. My documents contain personal identity information about me and I'm not even sure where to mail them???? And I shouldn't have to mail them when I should be able to upload them. 

I have been trying for almost a year to get the fraudulent accounts removed from my credit file. But no one at Experian seems to want to help me. This is just as bad as the identity fraud. 

It would be helpful if someone with extreme knowledge and ability could contact me so I can upload my documents and get this matter resolved once and for all. It's frustrating and time-consuming and a very inconvenient. 

Thank you in advance, 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 2023-11-04
Company: Maximus Education, LLC dba Aidvantage
State: KY
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:
On XX/XX/XXXX, I submitted my first student loan payment in full of {$53.00} to Aidvantage. I never got an email saying my payment was denied. I checked my account on XX/XX/XXXX, and noticed it was saying I was late on my {$53.00} and was issued a delinquent warning for my credit. I then decided to submit a new payment of {$100.00}, to cover the late amount and the same amount for XXXX. Today, XX/XX/XXXX I checked my account again, and that payment was also rejected stating, Unable to locate account. I double checked my banking information, and it is all correct, but theyre are reversing the payment. I now have two notices for delinquent warnings when I have made my payment on time and used correct banking information. I am very concerned that this will affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: Synovus Bank
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, correspondence was sent in regards to CFPB Complaint # XXXX to First Progress Cards Vice President XXXX XXXX to the address provided on the attached letter submitted on his behalf. The correspondence I sent gave an explanation for the past due amount that appears on my credit report. I requested an opportunity to pay the {$160.00} in full in exchange to have the account status updated to reflect PAID IN FULL AS AGREED. However, it has been 2 months since the correspondence was delivered via certified return receipt mail ( XXXX ) and no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX. Equifax XXXX ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, everything is wrong! This one really takes the cake you guys. Please don't make me dispute this again. Look at it. You know you are wrong and it is really insulting to tell me that it is accurate. Give me a break. First the same account is being reported as two completely different accounts. Equifax, you barely have no information at all. XXXX, you have some more information, but its all completely different than what equifax has. If you do nothing to resolve this, I'm going to know that your dispute investigations are bogus and I'm getting a lawyer because this is ridiculous. LOOK AT IT AND TELL ME IT '' S NOT INACCURATE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
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 XXXX XXXX XXXXXXXX Account XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MI
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Balance : {$800.00} ; XXXX  XXXX XXXX Balance : {$430.00} ; XXXX  XXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the night of XX/XX/22, I was likely drugged  because I woke up in my hotel room the next day not remembering what had happened. My friend said that I was missing the night before for about an hour but I couldnt remember anything. I then discovered that my phone was missing, but still had my wallet. A little later, I discovered that my drivers license, one credit card, and one debit card were taken. One credit card remained in the wallet. The theft took my Bank of America Debit card and used as the following below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XX/XX/22 {$200.00} XXXX XXXX  XXXX XXXX, XXXX, LA XX/XX/22 {$800.00} XXXX XXXX XXXX LA XX/XX/22 {$4.00} XXXX XXXX XXXX LA XX/XX/22 {$1000.00} XXXXXXXX XXXX XXXX, CA XX/XX/22 {$1200.00} XXXX XXXX XXXX, CA XX/XX/22 {$1500.00} Bank of American stated that they will give me temporary credit while they investigate, which they never did for the 2 transactions for XXXX XXXX. Later, they then took back rest of the temporary credit for the other 4 transactions. 

I already told them in the beginning that I was a victim of identity theft and provided them with the police report, and also filed a report with the FTC, which they still rejected my claims, for which I am filing a complain.

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 monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX  XXXX Account XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-01
Company: Experian Information Solutions 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:
I am writing to bring to your attention a matter of great concern, one that touches upon both my rights as a consumer and the unique challenges I've faced as a XXXX single mother in America. This issue pertains to the accounts listed below that have infringed upon my federally protected consumer rights under 15 USC 1681 : The accounts in question are as follows : XXXX. Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX  Bankruptcy # XXXX XXXX. Account name XXXX XXXX XXXX Bankruptcy # XXXX XXXX XXXX Account name : XXXX XXXX Bankruptcy # XXXX XXXX. Account name : XXXX XXXX Bankruptcy # XXXX The Fair Credit Reporting Act ( FCRA ) safeguards my right to privacy, as outlined in 15 U.S.C 1681, section 602 A. I believe that this privacy is not just a legal right but also crucial for my personal well-being, given the challenges I face as a single mother.

Furthermore, 15 U.S.C 1681, Section 604 A, Section 2, emphasizes that a consumer reporting agency can not furnish an account without my written instructions. This requirement is especially important to me as it ensures that I have control over my financial information, which is essential for providing a better future for my children.

Additionally, 15 U.S.C 1681c ( a ) ( 5 ) restricts consumer reporting agencies from including certain adverse information in my consumer report beyond a specified time frame. Inaccurate or outdated information can be particularly damaging to someone in my circumstances, as it affects my ability to secure a stable living environment for my family.

Lastly, in accordance with 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is fundamental that the information furnished to consumer reporting agencies must be accurate. Inaccuracies in my credit report not only harm my financial standing but also create additional hurdles for me as a single mother striving to provide the best for my children.

I would like to stress that these errors and inaccuracies have compounded the challenges I face as a XXXX single mother in a country that still grapples with issues of XXXX equality. The difficulties I've encountered in obtaining suitable living conditions for my family have been exacerbated by these inaccuracies. 

I kindly request that you review these accounts, taking into consideration not only the legal violations but also the personal struggles that these inaccuracies have brought into my life. Your support in addressing these issues is not only important to me but also to countless others who may be facing similar challenges.

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 2019-09-04
Company: LEXISNEXIS
State: MA
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:
There is a public record on my credit report that has to be deleted, the FCRA says that everything on my credit report needs to be 100 % accurate, and XXXX, XXXX and Lexis Nexis are breaking the law by reporting this in inaccurately. I know that Lexis Nexis is providing this information to the credit bureaus and not the bankruptcy court like they keep telling me. I disputed this bankruptcy before and it was ignored by these three companies. These credit bureaus are giving me a hard time and I am very upset at the fact that they think, they can just report whatever they want. I contacted the bankruptcy court and I asked if the courts shared or validated bankruptcy information with third parties and they said no, I requested this in writing and it was sent to me by mail. This public record is being reported in accurately because on my credit report it says that the bankruptcy court is the data furnisher for this and that is not true. I want this public record deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened an account with XXXX XXXX XXXX  through XXXX XXXX many years ago. I was trying to build my credit and my minimum was XXXX  dollars. I made purchases for this amount and made payments on time except for one time and the payment was a few days late. After this I had them call me all hours of the day multiple times a day. They have called from multiple numbers and different states. I have tried to call XXXX  about this many times, I have somehow accrued over 2,000 dollars in debt for a maximum of XXXX dollar credit limit. I have made payments I should not be making and have tried to comply the best way that I could. I did some research and spoke with my bank when recently they took money from me that was unauthorized. I called XXXX first and asked them why the money was taken and they said they do not have a record of this money being taken out so I need to call my bank because it is their issue. I was hung up on towards the end of the call and then called my bank XXXX. My bank was very helpful and put in a dispute to get my money back as well as put a stop payment for them. This is not the first time this has happened with XXXX and the lady at XXXX  told me to let the XXXX know about what I have been dealing with. Just today I received a call from XXXX yet again a Colorado number this time claiming that I need to set up a payment to give them the money back that my bank disputed and took back from them. They hreatened that I need to have an attorney call them and I have one last chance before they take further measures. This happens so often and so many times and I am frustrated and worried. I try to do the best I can to pay off my debts and they are relentles. My husband and I both have asked them to stop calling or I have tried to set payment arrangements just to get rid of them but something always happens. I read their reviews and they have a D- by the XXXX  and it has raised a concern to me with how they treat their customers rudely, by threatening them and calling them in a harassing manner and taking money that should not be taken. They take advantage of other people.

Company response to consumer: Closed with non-monetary relief