BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2018-05-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
First of all the worst thing i did was get a loan to go to school. Secondly i have been applying every year for a lower interest rate. As i apply every year the interest keeps going higher and higher as of course the point of Navient is that i pay the interest more than the principle. It was time again to reapply for the help but it has been three weeks since they have answered my emails. I did receive a call from a Navient Customer Service rep after i emailed who i believe is the head of Navient XXXX XXXX. i have sent several messages to him begging for help as my payment is coming up and the next payment would be double what i have always paid. i am not denying to pay but i really need the interest lowered so i can continue paying. I will work with them but i still need to feed my kids and put a roof over their heads.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX there was a Wire Transfer of {$36000.00} into my checking account. The person sending the mony made a mistake and said it was a fraud. Subsuquently the funder sent a letter that she was recalling the fraud statement and that they should release the funds to me, dated XX/XX/XXXX. I have communicated with their fraud dept., left messages and they never called me back. I have called at least 10 times and with messages. They sent me a letter dated XX/XX/XXXX, saying they were sending a cashiers check in the balance of what was in my account. I have never received any check from them. I called the fraud dept. and they told me that the money was in suspense. As far as I'm concerned they have fraudulently stolen my money. 
I have all the documentation to prove this statement.

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: 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 #. 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. Kindly Correct or removed the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2020-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
USAA credit started applying late fees to my credit card ending in XXXX despite me calling and requesting them to examine my XXXX  balance account! They kept adding a late fee every month despite my calls and emails. I would respectfully request assistance to repair this minor issue that they did not explore. They have now referred the issue to collections, a fee I do not owe. Hope you can help? Thanks XXXX XXXX XXXX XXXX XXXX XXXX, WV 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 2021-10-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA.XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 

XXXX Negative Accounts : XXXX XXXX US BANKRUPTCY XXXX US BANKRUPTCY XXXX EQUIFAX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX ( CAR ) US BANKRUPTCY XXXX US BANKRUPTCY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to delete immediately : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: WESTERN UNION COMPANY, THE
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/18 i found an XXXX XXXX from a website ( XXXX  ) i've used before without issue. the seller claimed the phone was an XXXX XXXX, pictures reflected same and would work on my XXXX account. seller was selling phone for {$180.00} which i sent funds via western union  MTCN XXXX. 

Phone arrived weeks after that to my surprise the shell of phone looks like the XXXX XXXX but upon booting up the phone nothing inside is XXXX rather what seems to be XXXX or another type of software. seller communicated what did you expect for {$180.00}. well iphones are made in XXXX so logically it is possible that costs of phones there are in that price range. seller said they'd accept a return for refund of {$180.00} but I needed to pay for shipping not them.

shipped phone back via usps XXXX XXXX on XX/XX/18 for {$23.00} to Scheduled Delivery Date : XX/XX/2018 Shipped to : XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX For whatever reason the package sat in XXXX forever, then usps couldnt locate the package, claiming that since the insurance was at {$0.00} ( requested by seller ) they couldnt reimburse me and its lost. 

Then about 2 months ago after 3 months of hearing nothing the package in its entirety arrives at my home. communicated with seller upon receipt of package and said they'd take it back again but then never heard anything when I said i add insurance of {$180.00} to not get screwed but who knows if it would get refused or not picked up at all. 

i have screenshots of the phone, the seller, the website, transaction data, emails, etc. 

http : XXXX? XXXX http : XXXX tried filing a fraud claim through western union but it keeps erroring out. phone is still in original and received packaging unchanged. seller sold through XXXX seller received payment by western union

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have filed a dispute for XXXX XXXX XXXX to either update or remove all inaccurate information. Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

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 2018-03-07
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2017 I was contacted by an extremely aggressive, rude, hostile, and threatening employee of XXXX about a medical debt of which I had no knowledge and did not owe. After trying to resolve the matter ( unsuccessfully due to their threats ) I sent a letter requesting that they cease all contact. The letter was dated XX/XX/2017. 

Today, I received a call from XXXX. The person on the phone who identified himself as XXXX or XXXX XXXX began yelling at me that I owe him {$60.00}. I asked what he was talking about, and tried to identify what he could be referring to as I have done no business with this company whatsoever. He then said " well you really owe us {$120.00}, but since you sent your little letter asking us not to contact you we'll drop it down to {$60.00} ''. I repeated that I had no idea what he was talking about, and then asked for his company 's name and mailing address. He started yelling at me again, then hung up on me. I called back hoping to speak to another person to get the mailing address and to verify the company with which I was speaking. XXXX answered again and said " well we got your letter, so you know our address ''. 

Upon reviewing my files, I noted that I did in fact send a no contact and denial of debt letter to XXXX, and although I have not had any change in my status of not having done ANY business with them nor any company that they represent, they have violated my rights and the Fair Debt Collection practices act. XXXX should be sanctioned to the fullest extent of the law and I want to be compensated for the harassment that I've had to endure in the amount of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been disputing this debt of {$680.00} with XXXX XXXX for over XXXX years now. 
When the debt went to collection company Credence Resource Manna, I have disputed with them as well. 
I have explained repeatedly that XXXX scheduled services at a location that had no signal and services never worked. I attempted many times to cease billing due to the fact that I had no services to be billed for. 
XXXX is a fraudulent company as far as Im concerned. How can you bill a customer when services do not work, and then hold them responsible for an insane amount of money, affect their credit when attempts were made repeatedly to cancel the service they initiated? I was at this location for five months and I did not even realize that this was on my credit report again until a few months ago. It showed up on my credit a few years ago which I disputed and it was removed. 
This needs to be deleted from my credit report permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: AZ
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 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 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these force information into my account

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 2023-06-15
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 Account # XXXX and 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 an 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 2022-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-05-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-05-05
Company: EQUIFAX, 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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reviewed a copy of my credit report. I was shocked to see that this was being reported as a charge-off/foreclosure. This is wholly inaccurate reporting. I became deadly ill and was hospitalized and while I was fighting for my life, I had to fight to try to keep my home. Instead of letting my home go into foreclosure, I continued to push for a short sale and that finally closed in XX/XX/2021. The status is wrong. 

This has been hurting me significantly as I am in the process of buying a home for my family. Please remove this account due to it being inaccurate from my credit report as soon as possible.

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 2023-02-24
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency XXXX 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 XXXX years. 
15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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