BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had approximately {$26000.00} in loans from various companies when I finished school. I quickly decided to consolidate, I notified all of the companies. I had no problems until I discovered that everything was transferred to XXXX but around {$2500.00} was somehow left with NAVIENT. NAVIENT reported me as late. I have maintained a near perfect credit score all of my life but what was a in the 780s range is now in the 560s range. NAVIENT will not help my although I have mailed in every possible document, I have email them many time and spent hours on the phone. I have spoken with the Department of the Customer Advocate many times. All I get told is that there is nothing they can do. I have spent countless house researching what went wrong and I admit that I did make a few mistakes during the consolidation process but at this point I feel that NAVIENT is simply unwilling to review this mishap or take into consideration that I have never had a late or missed payment in my life which is why my credit score was almost perfect. 

NAVIENT can not send a letter detailing conversations and say they consider the matter closed and expect this to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-23
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection that was just listed, I disputed it I have no idea what this is nor is this mine and never received anything from this company. Please help

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 2021-05-18
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to request temporary unfreeze in my online Equifax account : " ... unable to retrieve status of security freeze ... '' Customer service states that the system may be updating. This occurred at XXXX XXXX, middle of business day for over 1hour and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On  XXXX   XXXX  this company left a threatening voice mail on my phone as well as my mothers indicating my 'file ' wound up on their desk and it would 'behoove ' me to contact them before  XXXX  at  XXXX , however no one ever answers that number, and I have no idea who or what they are wanting. Message attached

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Unknown number has been calling me for a month now, and it is Comenity Capital Bank. I informed the rep I did not want to be contacted by phone and to mail any correspondence. The rep began to get irate. Every week, they call me at least  XXXX  a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NE
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, Account Systems-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX have all violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consmer 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 non-monetary relief
Consumer complaint received 2023-10-04
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: Credit inquiries on your report that you don't recognize

Complaint:
In according with the fair Credit Reporting Act XXXX  Account : 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,, 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 furbish 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 2018-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a CAPITAL ONE customer for a few years and during that time, I have enjoyed my experience with CAPITAL ONE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that date back to XX/XX/2016. Since that time, I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the past couple of years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was inundated with taking care of aging family. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE is willing to work with me on erasing this mark from my credit reports. This would be both of my credit cards that I have with you. 

I have been a very happy customer in the past and hope to continue a long relationship with CAPITAL ONE. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. CAPITAL ONE has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why CAPITAL ONE is heads above the rest. 

The law, most importantly the Fair Credit Reporting Act, states that you don't have to report everything regarding my account but what you do report should be accurate. I am working to better myself and want to purchase a house in the near future and this would be a great opportunity, a show of goodwill, to help me with this matter. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Long & Foster Financial Services, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
To the CFPB : I am writing for help in getting Prosperity Home Mortgage of XXXXXXXX XXXX to stop sending me unwanted mortgage refinancing offers. I have asked them twice to stop, but I have already received XXXX offers in the last XXXX 
This is despite the fact that I have never heard of them, I have never expressed an interest in refinancing my current mortgage, I have previously contacted every single one of the many banks who have solicited me about refinancing my mortgage to opt out of further mailings, I have long ago permanently opted out of all credit offers from the XXXX XXXX XXXX, and the terms that Prosperity are offering are much worse than what I currently have, even if I were interested, which I am not. 
I got a mortgage refinancing offer from Prosperity on XXXX XXXXXXXX XXXX. I tried the phone number on their letter a couple times to tell them to stop soliciting me, but no one ever answered. 
The next day, at XXXX XXXX on a XXXX XXXX XXXXXX/XX/XXXX ), I got a callback from XXXX at Prosperity. When I returned his call, no one answered, but I left a voicemail saying I was not interested, and to stop sending me solicitations. 
On XX/XX/2023 I got a second identical unwanted Prosperity mortgage refinancing XXXX  This time I went to the companys website, and sent an email to XXXX, the person it said to contact for complaints. 
On XX/XX/2023 and then again on XX/XX/2023 I got a third and fourth unwanted solicitation, even after I had told them once verbally and once in writing to stop contacting me. 
I know from past experience that some banks and the mass mailing companies they contract with will not stop until forced to do so. If I took no action, my tiny mailbox would soon be overflowing with nothing but unsolicited and unwanted mortgage refinancing offers. This imposes an unfair burden on me, a XXXX XXXX war veteran, who has to constantly empty his mailbox and bring this junk mail to the recycling bin behind my property. 
The response code that Prosperity wrote on their letters to me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
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:
Please see attachment On    XXXX   XXXX    XXXX  f raudulent inquiries were removed from my credit report. While utilizing  3rd  party to monitor my credit report on   XXXX   XXXX   XXXX   I found that same inquires were re inserted back on my account with a transunion. This is a FCRA violation no notice was ever mailed to me within this past year telling me that the inquires would be added back to my account and this has made my  credit score drop tremendously. Transunion states that I must contact the creditors to have this removed and that is not fair to me to recontact the creditors that already move d the inquires last year peep my request. Transunion asked me to fax in proof of the removals and I sent in the proof and nothing has been done to date

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 2019-08-13
Company: Experian Information Solutions Inc.
State: MO
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 fraudulent account has been deemed fraudulent via police report and through various of methods of dispute but still is reporting on my credit file and at this point I'm demanding the removal of these accounts hopefully this could be done without filing suit and/ or The FTC XXXX Please block the following accounts. 

[ 1 ] XXXX XXXX XXXX [ 2 ] XXXX XXXX [ 3 ] 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 2023-01-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not request for any credit reporting bureau to add a fraud alert to my credit file please remove asap

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #

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 2023-10-09
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I have filed 2 complaints against Ford with the CFPB # XXXX & XXXX. 

Ford is providing fraudulent information to the CFPB to avoid accountability and close my complaints. 
My proof- Document A- Ford Motor Lease extension agreement dated XX/XX/2017 extending my lease to XX/XX/2017. The name & extension of the Ford representative is listed on the document. 

Document B- Ford 's Confirmation of receipt of the lease extension.

Document C-A confirmation from Ford for my lease payment of {$320.00} on XX/XX/2017. 

This contradicts Ford 's response that on XX/XX/2017 they agreed to a lease extension but I never returned the document. 

I had a lease with Ford until XX/XX/2017 proof of this is attached. 
All payments were up to date proof attached Document D- illegal repossession of my vehicle on XX/XX/2017 My family 's personal items were in the vehicle. XXXX XXXX XXXX refused to return my property. 

On XX/XX/2017 XXXX Police Department officer XXXX XXXX filed a report # XXXX stating that no notice of a repossession was reported from Ford. which is usually the procedure. He stated that he never saw a repossession at XXXX on a Sunday morning without notifying the police. He reported the vehicle as stolen. 

Please, I am putting my trust in the CFPB to help me resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Atlantic Credit & Finance, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
There 's an old, unsecured line of credit I took out with XXXX XXXX XXXX / XXXX back in 2005. The original amount was {$7500.00} and I made payments periodically - but not always on time due to difficult financial circumstances. In total, I probably made {$2000.00} in payments over time. But, I 've been un / underemployed for most of the last 13 years and have struggled to simply make ends meet - much less make progress towards old debts. I have never filed for bankruptcy, nor do I intend to. <P/>That debt was written off by XXXX / XXXX and the right to collect the debt was purchased for pennies on the dollar by Atlantic Credit & Finance. Atlantic Credit & Finance is somehow partnered up with a law firm called XXXX XXXX out of XXXX, FL. <P/>They sought a legal judgment against me without properly without giving me proper notice and secured said judgment and had a lien imposed on my personal checking account. Now, any money that goes into that account will be garnished. I never had a hearing or opportunity to tell my side of the story to a judge or magistrate - although I am in the process of filing for such a hearing. <P/>The judgment and the lien are for over {$9000.00} - although I know they bought the debt for only a fraction of the original {$7500.00} debt. This is wrong!! The interest / charges are criminal given the fact they bought the debt for pennies on the dollar.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: OH
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.

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 2023-03-06
Company: EQUIFAX, INC.
State: MO
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 took a look at my Credit report and it has multiple discrepancies that I have tried to settle with the credit bureaus and need them removed as the information violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief