BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have experiencing depressions and Hardship i have a my personal information stolen i have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of there ability with maximum accuracy. I have never been late for payment for any of these accounts. ( XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payment be updated to on time as they should be as I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
please help. 
They had my payment on the XXXX of XXXX2017. But still are trying to collect {$150.00}. 
XXXX is not letting the truth, they are saying i was late. 
my certified card, was signed on XXXX/XXXX/2017 by XXXX XXXX XXXX receviced on XXXX/XXXX/2017. I was not late. certified card was signed by XXXX. Maybe he holds payments on purpose, so ocwen can get extra money./ Please help 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 2023-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive identified information on my report as a result of identity theft. These items have nothing to do with any transaction i completed. 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

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 2018-08-29
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX I took out a XXXX loan as a parent for my son at XXXX University XXXX, Ohio He graduated in XXXX and payments began In XXXX, Navient suddenly and without warning took over this loan I went from being eligible for XXXX, XXXX Teacher Forgiveness Loan, and YES I qualified in every single way from my teaching experience and school district requirements needed to get this help But no, Navient says we are now PERSONAL loan, not Federal Sorry, you are not eligible! 
1. First off, when this happened in XXXX, I put in writing they just " took over '' this XXXX loan without any input from loan recipients like myself. There are SEVERAL states suing Navient for THIS very reason!! 
underhanded, sneaky and not forthcoming at all. 
Ohio has not joined yet but soon I heard Meantime I want a lawyer to sue these thieves They said THE only way I could lower my payments in XXXX when my husband XXXX was to refi the loan with THEM!!!! 
So strapped for cash because my husband 's XXXX meant I lost XXXX a month in money, I signed on. They KNEW they had me trapped ... : ( : ( I would like CFPB to give me a lawyer referral in Ohio so I can start my own class action suit I will sue for the XXXX I know I am qualified for in Teacher Forgiveness AND sue for 6 years of interest and the extension on my loan till I am XXXX XXXX XXXX ... ... XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX, I filed a dispute on my checking account with my bank for a transaction in the amount of {$450.00}, which was related to the Nevada XXXX. On XXXX, I was provided with provisional credit by my bank in the amount of {$250.00}, and on XXXX, an additional provisional credit of {$190.00} was applied to my account. However, On XXXX, the {$190.00} provisional credit was reversed. 

It is crucial to note that I proactively communicated with my bank on multiple occasions, clearly expressing my request for a full refund. The bank assured me that they would address this concern and advised me to contact the merchant ( Nevada XXXX ). I documented each conversation I've had with my bank concerning this dispute, ensuring the accuracy of the information shared. 

As part of my efforts to resolve this matter, I diligently worked with the Nevada XXXX, and we successfully resolved the payment issue. The initially disputed debt of {$450.00} was later adjusted to {$200.00} by the Nevada XXXX, and this corrected amount was promptly paid in full on XXXX. As a result, there is no remaining outstanding debt with the Nevada XXXX. It's essential to note that the reason for the XXXX lowering the amount was due to an incorrect charge caused by a malfunction on their part. 

Despite my repeated attempts to inform the bank of my successful resolution with the merchant, I was later informed that, due to the 120-day timeframe since the case was opened, they are unable to reconsider my case. This limitation imposed by the bank 's policy has hindered a fair review of my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
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 greatly appreciate the time and effort made by the Credit Reporting Agencies in removing a portion of the fraudulent accounts and information reported on my Credit File. However, there are still accounts that should have been removed but remain on my Credit File. According to the Fair Credit Reporting Act, the Credit Reporting Agencies are legally obligated to investigate and remove any accounts and information resulting from fraudulent activities. The disputed accounts have no relation to any transactions where I obtained goods, services, or money, nor did I authorize them. Therefore, I kindly request that the Credit Bureaus block the reporting of any information in my credit file that resulted from identity theft. Please remove the remaining accounts and information off of my Credit File as soon as possible ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}. Furthermore, I have noticed discrepancies in the information provided by the Credit Bureaus. Some accounts that have been deleted by other bureaus still appear in the reports provided by the Credit Bureaus involved. This raises doubts about the accuracy of the reported information. Additionally, the reported payment history on some accounts is unclear to me. I would appreciate clarification on these matters.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX 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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing this complaint because Transunion refused and ignored the request to provide me with documentation that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify the accounts, under Section 611 ( 5 ) ( A ) of  FCRA they are " required to promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Bread Financial 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: Account status incorrect

Complaint:
On XX/XX/19 there was fraud on my XXXX Mastercard. I called as soon as I noticed it and the Fraud DepXXXX removed it along with the interest charge, finance charge and late fee charge right away. However, XXXX Mastercard has reported to the credit agencies that I was late on paying that statement, which is not correct.I tried calling their call center and emailing to no avail. I want this removed from my credit history immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and yahoo data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

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 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
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:
I have sent my dispute letter to XXXX and Experian Informing them of the inaccurate information being reported. I have never given my permission to furish the company on my Credit Report. PLEASE REMOVE immediately XXXX ) XXXX XXXX / XXXX XXXX XXXX  XXXX Account # 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 2019-12-05
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
My complaint is against Barclays bank account # XXXX open XX/XX/2004 Status open. I have more than 15 years in having this line of credit with Barclays Bank and have never been late with them. This past XX/XX/XXXX when I checked my reports I saw a 30-day late payment been reported to credit bureaus. When I researched what happen, was that they reported my 30-day late because of an annual fee that I didnt even know I was paying for who knows how many years. This is unfair business practices, negligence, I never received a late payment insertion notice required by California Reporting Act. And the list of violations can go on. I know this can be a mistake and it can happen to any company that it is why Im using Consumer Financial Protection Bureau as a portal so we can get to an agreement. I want a deletion letter as soon as possible from the mentioned company so I can provide to my mortgage company. I have {$600000.00} home loan pending because of this mistake. So please be reasonable, let s continue making business and lets avoid court for a very simple thing to correct. Please see unfiled attached document. Many thanks to whomever reads this complaint.

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 2023-02-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have a right to privacy.

Under 15 UCS 1681 section 604A section 2 also states that consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 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 2019-12-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid 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:
Received bill and paid {$3000.00} for all charges XX/XX/XXXX through bill pay of bank Received XXXX Statement and funds not credited. 
Called and spoke with representative on XX/XX/XXXX and provided all reference numbers from bank as check had been send and cashed by company XXXX XXXX # XXXX   ). Reference XXXX, payment reference XXXX Received letter from Barclay XX/XX/XXXX now asking for copies of check from bank Sent XX/XX/XXXX by mail with copies of all bills/correspondence and statement Continue to receive abusive phone calls from credit company asking for payment several times per day.

NYS Attorney General Contacted and complaint filed.

This consumer abuse.

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 monetary relief
Consumer complaint received 2019-01-09
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I purchased an XXXX XXXX ticket through XXXX listing. As part of the XXXX purchase, a Citibank credit card application was offered with a promise of a {$250.00} credit to be realized on the new card. In order to receive the fare I wanted, I had to make the purchase immediately, which I did on another credit card - as I, clearly, did not hav the Citibank card in hand at the time. 
My approval with card number arrived today - XX/XX/XXXX. 

There is no credit of any kind indicated. When I called XXXX, the representative said, the offer was for FUTURE XXXX XXXX purchases that I would make in the next 12 months. I have no intention of buying another XXXX ticket - or any other airline ticket this year. I asked to speak to the representative 's supervisor and received the same answer. They had no resolution process to refer me to. 

I believe this is misleading and false advertising. I never would have applied for this card had it not been for the carrot dangled in front of my face for the flight I was ticketing. 

Now, I stand to have a ding on my credit rating for no purpose at all. And, when I cancel the card - there goes another ding. 

Please advise as to my options here. 

Thank you.

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 2023-10-11
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. 

Account name : 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 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 non-monetary relief
Consumer complaint received 2023-08-17
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 contacted XXXX to inquire about this debt. They could not find the account. I gave them my name, address, social security number, birth date, account number ( XXXX ) and even phone number ( XXXX ) and they were unable to locate the account. 

I disputed this with the XXXX bureaus and they left the item on my file. 

It is against the Fair Credit Reporting Act for the XXXX bureaus to report a debt that they can not verify. 

I want Ithe credit bureau to comply with the FCRA and remove this unverifiable collection from their file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, 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 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: Resurgent Capital Services L.P.
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. 

LVNV Funding account ending XXXX LVNV Funding account ending XXXX Resurgent has 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 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