BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When U S CFPB in XXXX filed a lawsuit for predatory loans eventually leading to the Closing of schools, no accreditation for the degrees, fraud and other illegal violations I felt the need to seek your help. 
Im filing this complaint about XXXX XXXX XXXX XXXX NAVIENT SOLUTIONS, INC for Fraud, deceptive marketing and predatory loan practices. Also for years of my credit score in poor standing and the stressful experience with a college degree that caused more financial hardships. 
After the news about the settlement for them using illegal deceptive tactics, for borrowers to take loans to attend. 
I have had a default on my credit report for years, unable to receive federal aid, my taxes offset XXXXand the struggle to overcome student loans from a Institute guilty of federal violations. 
Also for not assisting me with the information on CLOSED SCHOOL DISCHARGE programs when knowing I was a victim of the illegal violations. 
I am attempting to find a resolution to this complaint in a quick response before seeking judgements from the courts. For not respondig to the applications for the loan, not providing information about the loan, offset of my taxes. 
( I have more details on the illegal violations )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have the following accounts as collections on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, I don't understand how these debt buyers are allowed to placed accounts not verified on people 's reports. Also, I noticed that the account numbers are the exact same on both accounts, from two different companies with two different amounts, which is alarming. This needs to be stopped.

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 2020-04-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got an email from navy federal credit union advertising that they are willing to help there customers in this time of need with the coronavirus epidemic and navy federal credit union says there here to help with a loan for its customers but its false advertising to customers who believe that they would help, its the same qualifications as a regular loan not to try to help or say they want to help thats giving false hope, I called and spoke with a loan rep he even made me aware of the same thing I dont understand even myself Mr.XXXX, even my girlfriend which Im the one that brought her to navy federal says the same thing, why give false information if your going to help out help out not, say your going to do something but truly lie to a customer I dont need to have anyone explain it, I like navy federal but thats going to far, were here to help our customers through this coronavirus epidemic and wanted to help our customers with a loan to help, I want what the website says not be lie to and denied a loan when it actually is false advertising to all customers all my friends in the military say the same thing it doesnt make since, I want this resolved but dont want someone to think Im stupid, no bank of any financial institution needs to take advantage of any customer in a time of need and hope and help thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a credit card at BANK of AMERICA, number XXXX. 
In XX/XX/2020, COVID situation, Bank Of America informed to credit reports that i was delinquent. 
We are in pandemic and at this time was not been informed this lates. I lated but i paid! 
However, this information is at my CREDIT REPORT and my score in going down for that. 
I called to Bank of America and they want to open a disput. I don ; t want to disput, i just want to be excluded because we wwere at COVID situation and the ammount of XXXX $ was informed like delinquent. 

They don't want to exclude that, even i informed that all the banks were not reporting by Covid situation.

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 2023-03-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please see attached docs detailing where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: LJ Ross Associates
State: MN
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've resolved a debt of {$770.00} with XXXX  XXXX XXXX as my original creditor. L J Ross Associates is on the collection agency posting that this account is still in collections. It shows negative on all XXXX creditors, but XXXX and XXXX  report not paid, and says paid in full on XXXX. I paid all my debt off as of last summer, but it's still reporting and affecting my credit negatively after working hard to fix my credit for the last 2 years. I've called L J Ross associates and they stated that they don't see any record of me paying this bill and they're still going to report it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost XXXX XXXX XXXX XXXX  high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 . 

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

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2019-06-11
Company: Home Mortgage Alliance Corp. (HMAC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I came to XXXX after being denied the week of my closing date by another mortgage company at the advice of my realtor. At first they were very helpful and insisted that they would be able to help me. My application was in XXXX when rates were higher than they are now. My other lender locked me in at 4.375 %, XXXX because I was desperate gave me the same rate early XXXX but left the rate floating. I was changing jobs so they told me the underwriter could not make a decision on my loan until I got a paystub from my current employer, I asked several time in the course of the loan was this the only outstanding item, they assured me yes. I later find out that they had issues with my credit score, and were not planning to make the loan but didnt tell me until the day of my closing. They sent a representative that doesnt work for them to tell me we would not get the loan due to a credit score drop in XXXX. Well here we are and XXXX and instead of notifying me when it happened he kept it to himself. I told him that whatever issue that was on my credit in XXXX was removed and I had documentation to prove it. Had he told me when the credit was pulled, this could have been resolved then. He then resolved the credit issue in mins, redisclosed the loan to me at the same high rate even though rates have gone down, charged a 1 % origination and 1 % points fee and the issued me a closing disclosure. Closing disclosure stated that we could close on Monday. Because I was desperate and wanted the house I obliged. That same weekend my loan officer went on vacation, never notifying me and left my loan file to be handled by someone who hasnt seen my file. Needless to say we didnt close on Monday as the closing disclosure stated, on Monday it was still being reviewed by an underwriter. The back up loan officer then tells me that their system noted a possible foreclosure on a property Ive owned for over 10 years and have never missed a payment on. It was totally bogus, with no evidence at all. So I missed the closing date again. This is now the 3rd closing Ive missed. I wrote a letter stating how ludicrous these allegations were and how unprofessional this company has acted. And no apology from them at all, they just sent an approval over of my files. I have been embarrassed, my privacy violated, and taken advantage of by giving me such a high rate and expensive terms. This whole process has been unfair and abusive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit 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:
A merchant called XXXX charged my credit card {$230.00} twice on XX/XX/ ( totaling {$460.00} ). I did not make the charges or receive any merchandise from the merchant. I disputed the claim. Barclays ( credit card company ) sent me XXXX  two letters stating that they investigated the dispute and determined the merchant provided documentation to prove the charge. I called Barclays, but the agent was not forthcoming about merchant information. The agent did not explain what the charges were for or where the products were mailed. The agent reopened the case, but Barclays has not communicated information. I don't understand why Barclays would not explain their findings. They could have provided the merchant 's contact information but didn't.

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 2023-03-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2020-04-06
Company: EQUIFAX, 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, XXXX  AND EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, TRANSUNION AND 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 2019-01-24
Company: Home Loan Center, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On the afternoon of Thursday, XX/XX/XXXX, I entered my information at XXXX indicating my interest in a {$23000.00} personal loan. After completing the information, I was presented with several loan offers. I clicked 'Continue ' on an offer from XXXX. I assumed that they were able to extend these offers after doing a soft-pull on my credit report and that the offers were legitimate and not just click-bait to get you to apply. I was then taken to XXXX 's application page where I completed the rest of the customary loan application information. After hitting the submit button, I was notified by my credit monitoring services that XXXX had done a hard-pull on my XXXX  and XXXX  credit bureaus. This was expected. Then XXXX informed me that my request had been denied. This was NOT expected. If I had thought they were going to deny the application, then I would not have applied. Now I have 2 new inquiries on these bureaus that will affect my score and my ability to borrow funds in the future. If the 'offers ' from XXXX were conditional, they should have made that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.

Company response to consumer: Closed with explanation