BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-07-25
Company: EQUIFAX, INC.
State: LA
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 have a bankruptcy chapter XXXX that was discharged on my credit report. I received my letter from the bankruptcy court that specifically says, they do not report bankruptcies. I sent that letter to all 3 credit bureaus as well as to XXXX XXXX to have the Bankruptcy removed. It has been over 30 days and I have not heard back from XXXX XXXX. The credit bureaus responded back stating they verified with XXXX XXXX. If the bankruptcy court does not verify bankruptcies, how is it that a third party company reports this as a valid debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 50 days later I have not received a response yet. I feel like my disputes and I are being taken advantage of and dismissed. In section 611 ( a ), plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX I got an alert from one the Credit Bureaus Equifax that my credit Utilization went from 12 % to 18 %. From my previous. XXXX monthly statement my balance was XXXX. I didn't have a balance or owe any fees. I immediately called the Company and asked " Why did they report that my balance increased, when they don't report until XX/XX/XXXX of this month. The representative ensured me that my balance was XXXX. The amount for {$48.00} increased my utilization and caused my score to drop 10 points on Equifax. My correct balance on XXXX XXXX was {$24.00} The representative from XXXX XXXX told me to call Equifax. I called Equifax and spoke with a supervisor XXXX. He said that XXXX XXXX had updated to the Bureau through electronic. I explained that I was looking at my correct account as we were talking on the phone and that the last report from XX/XX/2020 showed a balance of {$48.00} dollars and that a comparison with XXXX   showed a XXXX  balance from XX/XX/2020. I explained that this was a violation of my FCRA and it should be removed. They refused to remove it. I had also explained that the reporting date was incorrect as well that the company reported on the XXXX of XXXX of the previous month was also the same issue before that I was calling about now. 

I called back to XXXX XXXX XXXX  and asked to speak with a Supervisor. I spoke with a supervisor XXXX  and he reviewed my account and he clearly said that my balance was XXXX  and that they only report once a month. I asked him to explain how Equifax received this information if it wasn't reported. I explained that this was illegal and violated my rights as a consumer. He said that the only feasible thing to do was contact the correspondence via fax and that an investigation would take about 5 days and that was to department that correspond with the bureau 's. I explained meanwhile my credit would remain unchanged and that it would be passed the new reporting month. 

I have all records of the complaint that I'm filing. This is costing me valuable time and money to dispute with the bureau 's and companies not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
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:
Dear Sir or Madam, Carrington illegally furnished information to consumer reporting companies that our account was delinquent, rather than current, even though our loan was under an approved XXXX forbearance. Carrington also falsely told us that we would be assessed or had been assessed late charges while under forbearance. Enclosed you will find evidence showing that : XXXX. We applied for and were approved for a XXXX XXXX for a VA Loan from XX/XX/XXXX, to XX/XX/XXXX. 
2. Carrington Mortgage violated the CARES Acts and illegally reported our loan as late to the credit bureaus for the exact months our loan was under the XXXX Forbearance for XXXX, XXXX, and XXXX of XXXX despite the written notifications that stated : You are currently on a XXXX Forbearance plan. You are not required to make any payments during the XXXX forbearance period. In addition, you will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the XXXX forbearance period. This has caused us considerable damage, emotional distress, and delayed family projects. 
3.Carrington Mortgage demonstrated willful negligence and gross non-compliance with the CARES Act when we informed Carrington of the errors and they did not correct them. Instead, the representatives misled us to believe that the XXXX forbearance program is no longer in existence. However, your website ( XXXX ), as of the date of this letter, states the program is active and available until XX/XX/XXXX. 
4. Additionally, we were deceived about our repayment options ; Carrington attempted to put us on a loan modification that increased our monthly payment by more than 60 %. 
5. Carrington Mortgage has a history of deceptive acts and practices under the Consumer Financial Protection Act with regards to mortgage forbearances and subsequent action was taken against Carrington Mortgage by the Consumer Financial Protection Bureau for these very same violations in XX/XX/XXXX. Despite the order to repair the faulty business practices, they continue. Enclosed are the following articles of evidence : 1. The written statement from Carrington Mortgage regarding our approved XXXX  Forbearance. 
2. The mortgage statements with the XXXX Notice for the months of XXXX, XXXX, and XX/XX/XXXX. 
3. A recent copy of our credit report shows the falsely reported late for XXXX, XXXX, and XX/XX/XXXX. 
4. Carringtons attempt to overcharge us for a loan modification. Records of our attempts to resolve the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: LEXISNEXIS
State: IL
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX RE : Consumer Number : XXXX RE : Case Number : XXXX For months now, Ive tried getting a copy of my consumer report from LexisNexis to no avail. LexisNexis keep sending a letter stating the documents Ive mailed were not legible, which is absurd! All of my documents were legible! 

Im asking CFPB to help me gain access to my consumer report from LexisNexis. Attach are all of my CLEAR documents to prove my identity and residents. 



Please mail me a copy of my LexisNexis consumer report to the abovementioned address on this letter. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: CA
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XXXX XXXX XXXX XXXX collection account was opened fraudulently back in XXXX. I have disputed this item as a result of identity theft numerous times, but XXXX continues to report this fraudulent account on my credit report. I mailed and faxed the company documents last year including an FTC report, identity theft affidavit, and a police report supporting identity theft. After spending countless dollars mailing and faxing this information to XXXX upon their request, they still are refusing to stop reporting this fraudulent account to my credit report. 

On XX/XX/XXXX, I reached out to the original creditor, " XXXX XXXX XXXX '' and obtained copies of legal documents including the original contract and the GAP Addendum to Installment Sales Contract. It appears that the GAP Addendum to Installment Sales Contract does not bear my signature nor the signature of the creditor or dealership representative on behalf of the creditor. It also appears that there is a discrepancy between th

e GAP insurance coverages. Attached to this complaint is two docu
ments : the GAP Addendum to Installment Sales Contract in which does not bear my signature, as well as the Calculation of Surplus or Deficiency document that reflects a discrepancy between the GAP insurance coverage amounts listed on both the GAP Addendum to Installment Sales Contract and the Calculation of Surplus or Deficiency document. This GAP contract shows that the price of the GAP coverage totaled {$790.00}, whereas the Calculation of Surplus or Deficiency document shows that the GAP insurance rebate totaled {$800.00}. This information can be found in the highlighted portions of the attached documents. Regardless, the original creditor does not have my signature on the GAP contract, which proves this transaction was not authorized by me. This information provided clearly shows inaccurate information reported on my credit file and should therefore, be permanently deleted from my credit file. 

According to the Fair Credit Reporting Act, it states, " In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As a result, promptly remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX I didn't authorize any inquiry to be made on my credit

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 2023-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I updated my banking account information on XX/XX/2023, prior to making the full payment amount due of {$59.00}. Also On XX/XX/XXXX I received an email correspondence that my payment information had been received. However, Kohls system did not update my payment information and instead maintained the old bank account which had been closed. Therefore, my payment was reversed without my knowledge. Once I received the new statement showing that my payment had been reversed, and there was a late payment And a reporting of a late payment on my credit bureau reports. I immediately notified Kohls and spoke with web support who apologized for the error, and that it would be corrected on my credit report as it was a glitch in the system that did not complete the updated information. Web support investigated the issue and advised that they would ensure that my credit report late payment reporting would be removed and that has not been done even though I have Accessed the system again today updated my banking information again, and ensured that the new account information was accepted and finalized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In 2016, I filed a complaint regarding the misrepresentation of information provided at my enrollment to XXXX XXXX XXXX. 

I was advised at enrollment that I would receive 1 ) receive assistance through their career services in obtaining a position in my field of study and 2 ) that the school was accredited and I would be able transfer my credits to another school.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
Hello Sir ; Im having an issue that needs immediate attention on my credit report because I have noticed unauthorized usage of my personal information to apply for applications thats not of my consent and thus is a fraudulent claim of the following services and a risk to my credit information. 

SYNCHRONY XXXX ( Bank ) XX/XX/2022 XXXX ( Retailer ) XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 2022

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 2021-07-24
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company which is convergent and the original company or creditor is XXXX XXXX. They wrote me a letter on XX/XX/2021 and I responded back to them on XX/XX/2021. Letting them know that this was not in my name this is the second company that has tried to collect on the saying say it did and it has been removed from my credit report once. The name of the sea it did is XXXX XXXX. That is not my name my name is XXXX XXXX XXXX. The amount is {$470.00}. I wrote them they have not responded back to me. I wrote them on XX/XX/2021 a dispute letter for this collection.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: FL
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:
According to my research about FCRA 605, you are required by law to remove & block any inquiries which are found unauthorized, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 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 2016-10-16
Company: AMERICAN EXPRESS COMPANY
Product: Credit card
Issue: Other

Complaint:
Dear Sirs, Mon. XXXX XXXX 2016 at XXXX Attached copies of American Express indicated I authorised XXXX XXXX to charge the subscription fees of {$99.00} on XXXX XXXX 2016. On XXXX/XXXX/2016 XXXX refunded this {$99.00} on receipt of my dispute. 
But on the same date of XXXX/XXXX/2016 XXXX charged me again without my authorization this {$99.00} it had refunded me and American Express honored this unauthorized charge of {$99.00} and paid XXXX XXXX. 
The proof I have produced here with is more than enough and disqualify both American Express and XXXX XXXX to question me or argue further in this matter. I would therefore demand both Amex and XXXX agree to correct their oversight error they both have committed on their parts and refund my {$99.00} immediately.. 
Should I fail to receive the refund of {$99.00} within 7 days from today, I will bring this matter to the attention of appropriate authorities. 
Yours truly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Had Hospital Bill over {$20000.00}, Hospital had contract with Insurance Company to pay at contract rate per their contract. Hospital is trying to collect over and above what was contract for. Hospital has sent a collection agency after me and is harassing me to pay an additional amount of money above what the Insurance paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I added funds to my account on XX/XX/2020 and it shows that they received the money on XX/XX/2020 but the money has not yet been used to pay off my balance. I have called the company to attempt to get this resolved but they have stated that there isn't a person that can do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation