BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: AR
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 w FCRA : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has XXXX 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.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed 15 Section U.S.C 1681 Section 604 A section 4 states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed.

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 2019-11-18
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was not owed. Company has been reporting false information on my credit report.

Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute on a XXXX XXXX account and received a letter stating they had investigated and did not believe the transactions were fraud based on history. 

This bank has a XXXX complex when it comes to investigation disputes. They do a terrible job with disputes and always side on the merchant. I can refer you to many consumers who have this same issue with this bank. I disputed charges on a XXXX XXXX account and received a letter 3 days later stating they did not believe it was fraud. These charges originated out of the country. 

This bank needs to be reprimanded for all consumer 's benefit. This bank will also cancel your debit card for XXXX  years if you dispute what they feel is too many charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
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:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. 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 2021-01-06
Company: EQUIFAX, INC.
State: GA
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:
I sent letters to Equifax on XX/XX/2020 and XX/XX/2020 about an inaccurate XXXX account and unauthorized inquiries that are on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 6 months these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I have already filed a FTC report. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called in XX/XX/2018 to argue about the amount of XXXX that was billed to my account. I never received my JC Penney Credit Card through mail. Someone else must have received it and used it in other stores. I called Customer service and i was told they would clear my account. I received another statement this month of a bill of 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 2021-01-06
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account MULTIPLE times with the Credit Bureaus and also the debt collection agency. Not only have they not sent any proof that this debt is mine, according to the FDCA, a debt should be removed after 7 years of the first missed payment. ( Not the date the account went into collections ). This collection is passed 7 years and I want it moved from my XXXX  report or I will be contacting my State Attorneys office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NC
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 items listed below are reported on my personal credit file and were found in my reports with XXXX and Equifax credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my fileXXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: GA
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:
According to the FCRA 15 USC code1681 the 3 credit agencies that are displaying and furnishing inquiries and information on my credit report without my written consent which is against the law. Knowing I have submitted proof that of mix identity and been a victim of identity theft knowingly reporting things without my consent it damaging my credit and creditability and causing me hardship in my life which no matter how much proof I submit the credit agencies refuse to abide by the laws and correct. In addition to this preventing me from having access to my account due to mixed information that is preventing me from knowing what all is reporting. I have been going through this longer than 3 months with them and my report needs to be corrected immediately as I am being negatively impacted financially and mentally due to this stress and unresolved.

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 2017-08-04
Company: Professional Recovery Management
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FOX COLLECTION CENTER IS A COMPANY THAT I HAVE NEVER CONDUCTED BUSINESS WITH. THEY ARE REPORTING THAT I OWE MEDICAL BILLS TO THEM. MY MEDICAL BILLS HAVE BEEN PAID BY THE UNITED STATES GOVERNMENT FOR MY MILITARY SERVICE SINCE XXXX 1975. THE ORIGINAL CREDITOR SHOULD BE IDENTIFIED AND THE DATE OF SERVICE SHOULD BE CHECKED AND VERIFIED AND SENT TO MEDICARE, DEPARTMENT OF VETERAN AFFAIRS AND OR DIRECT BILL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX XXXX  was reporting account status for years based on fraud and payment activity on my back account from years ago. Further, there were issues with getting proper information. XXXX has been paid 100 % even though the data was inaccurate The XXXX  XXXX XXXX dismissed collection activity and claims of the Treasury Department XXXX XXXX XXXX in XXXX 2019. This data was sent to Equifax, XXXX, and XXXX  but the charge offs and account matters are being reported despite the court dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: TX
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:
They are reporting to credit bureau on incorrect days. It shows it was reported on XX/XX/2023 but my date is due every month on XXXX. I paid off my credit card and when I dispute the amazing they changed the last report date to XX/XX/2023 with the owed balance. I have prof they are reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a XXXX credit score. My credit score dropped by 37 points due to me canceling my XXXX card. I canceled my XXXX card because they had added an additional card to my account without my authorization. It wasn't present on my bills but they had charged me for annual fees for 2 yrs. It made me so enraged I canceled entire account. They did refund the fees after much discussion. BUT then I got the credit report and saw the impact on my credit score. 

Is there any recourse, what recommendations do you all have to move forward. The credit bureau was unable to tell me what is involved in their scoring that makes me more of a credit risk. I canceled due to the companies fraudulent actions, yet I am penalized on my credit score. I need to understand why and how that works, so 1 ) I know if there is anything that can be done now, 2 ) I want to know how to handle this situation in the future. What do you do if you feel wrong by a creditor but do not wish to take a negative result on your credit report. 

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 2023-09-24
Company: Experian Information Solutions Inc.
State: SC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2018-07-19
Company: Experian Information Solutions Inc.
State: TN
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:
This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, XXXX CRA and Experian CRA continue to incorrectly report as Open.

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 2023-10-19
Company: EQUIFAX, INC.
State: MS
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:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2020 I reached out to Navy Federal in regards to refinancing this account due to the fact that I had lost my job during the Covid-19 Pandemic. Since then, I have paid that refinanced loan on time and in full. My concern is, there still is showing late payments on this account despite me completing the terms of the agreement and being eligible under CARES Act.

The CARES Act prevents lenders from reporting late payments to credit reporting companies during theCovid-19 crisis. Not only should all late payments showing on this account be removed, but they should be updated to paid on time due to me completing the terms of the refinance. Navy Federal has failed to update this on their end and it is causing harm to my credit reputation. Please update all late payment to paid on time status.

Since they have continued to furnish inaccurate information to the credit reporting agency despite knowing the information was dispute and incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Global Lending Services LLC
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:
To whom this concern, I am in the process of buying a home, and during that process of getting prepared for the process, I realized I had some damages on my credit report. I have no knowledge of these hard inquires that has been reported to my account. According to the 15 USC 1681 Law there should not be any damages on my credit report, as its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account prior to appearing on my credit report to inform them, that this is not my debt. They have failed to provide any documentation and now it reflects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My elderly mother recently passed, my children and I have been affected by covid-19. 
I contacted my mortgage company XXXX XXXX XXXX to request a forbearance. I was told there was not any Corvid-relief for me and my family. Spoke with XXXX a supervisor requested the forbearance she told me the only option available to me was to sell my home by short sale. I asked about President Biden forbearance extension for mortgages she replied I did not have that option. My mortgage company has been difficult to work with and they refuse to help me keep my home. I need Help for me and My children. I have a foreclosure sale date for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation