BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 16881 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A Section 2 : IT Also state 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 CONTAINIG ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT 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 2022-10-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XXXXXXXX XXXX XXXX I was purchasing a car I paid {$4200.00} down to a dealer.I used my Navy Federal Credit Union Account to transfer {$4200.00} usd to another Navy Federal Credit Union Account holder Navy Federal Credit Union failed to help me recover my loses after waiting 3 months after I filled a claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

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 2019-09-10
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX sent my file to Specialized Loan Service without notifying me prior to around XX/XX/2011. I have been disputing this transfer ever since. I was also in the process of a modification with a XXXX who has a contract to work with XXXX to assist with modifications and to prevent my home from going into foreclosure. SpecialiZed Loan Service has not worked with me to remain in my home. I have attempted on occasions to make the payments I could afford which was on a previous statement from SLS who I never contracted with while requesting my loan remain with the original bank who claims Im a valued customer. I also called at XXXX to verify my loan number. She refused to confirm the number I gave her and never sent an email with this information as she stated. Both parties have been blaming the collection on the investor who has in turn referred me back to the most recent servicer.

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 2020-11-17
Company: Experian Information Solutions 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:
I have sent all legal documentation including police reports. Doe some reason the only reporting company that has fixed anything is XXXX. XXXX and Expierian have refused to follow legal obligations. I have complained several times and all they do is dispute accounts that legally have to 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 2023-05-01
Company: Experian Information Solutions 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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-08
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:
In accordance with the fair credit reporting at the list of account below has violated my federally protected consumer rights to privacy and confidentially Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX XXXX Collection XXXX XXXX : The XXXX XXXX XXXX 
Account number XXXX Collection company name : XXXX XXXX  Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Collection company name : XXXX XXXX Account number XXXX Collection company name : XXXX XXXX XXXX Account number XXXX Account number XXXX 15 USC 1681 section 602.a States I have the right to privacy. Section 604a also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 conviction of crimes wish antedates the report by more than seven years 15 USC 1681s2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable calls to believe 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 2019-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.

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 2023-05-03
Company: Affirm Holdings, Inc
State: IL
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:
On XX/XX/2023, I paid my account in full with affirm. I noticed on XX/XX/XXXX it was still reflecting that I was past due and I owed them. I contacted the company on the XXXX the person I spoke to told me it took a couple weeks and it would be off of my credit. I had filed to disputes with the credit bureaus regarding this both of the disputes were denied by affirm, I had even attached my statement from the bank where it showed I had paid it in full on XX/XX/XXXX. I thought I would wait and see if it would be off my report as the lady from Affirm told me on XXXX XXXX XX/XX/XXXX I checked my account with the credit bureau and XXXX noticed they had added another {$2.00} onto my account saying I was behind. And I had not paid my account. I contacted Affirm they give me an email address as well as a case number telling me to email them in screenshots of my account where they were paid and where it was reported to the credit bureau. I sent that in. The same day after I spoke to them I had received another flag now they're reporting I'm over 90 days late. After 2 disputes phoning in several times as well as trying to log in and I was denied login on their website and on their app I don't know what else to do I hope this can get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: TX
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:
All three bureaus continue to report an account twice, with XXXX XXXX. There was only one account with this company yet they are reporting it twice with the same exact information. This is wrong and it's hitting the scores twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: WI
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 have called equifax several times I am being told that the information in my equifax account is inaccurate but the information in my equifax account should match what equifax has there are lots of inquires that were not made on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2023 I received a letter in the mail from XXXX XXXX XXXX stating that an account was in the negative - XXXX I've never heard of this XXXX XXXX and where I live there is no XXXX.. I called the company and they told me to report it to the local police and my bank, also report it as 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 explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-04
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repeatedly told them to stop calling. I have also told them if they continue to call I will sue them yet they call daily. The law says I have the right to deal only with the original creditor which is what I have explained I will do. The original creditor refused to file this with insurance. I have repeatedly explained that. They do not care yet they can still continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Ongoing issue with outdated XXXX account on my Transunion credit report. I submitted absolute, undeniable proof, multiple documents showing a previous date the account was to be removed. Trans Union ignored my documents and asked XXXX for verification of correct information. XXXX verified the info was accurate They have as proven fact, changed dates & data to keep this account active. This is fraudulent has costed me exorbitant expenses including jeopardizing my employment. This is a clear violation of FACT ACT, TRANSUNION has proof but refuse to correct the issue. XXXX refuse to update their metro 2 report as required by Federal law. I have attached multiple reports with the same date of removal. XX/XX/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 2022-04-28
Company: M&T BANK CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
It is ridiculous that M & T Bank doesn't allow someone to set up automatic bank transfers to make sure a loan payment is payed on time. This is a predatory practice so that M & T Bank can collect late fees from the less fortunate. By making someone need to print off a form and Mail it, it creates an undue burden for people. As a XXXX service member it is difficult to reach back and make sure payments are made timely.

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 2018-04-13
Company: EQUIFAX, 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:
With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against XXXX, or not join I sent XXXX a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to XXXX, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to XXXX, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, XXXX will just add the name of the wrong person, to justify their entry. In this XXXX entry, XXXX  previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that XXXX will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One closed my credit card account on XX/XX/2019 after my card was paid in full by XXXX XXXX on XX/XX/2019 for the transactions of {$1000.00} and {$100.00}. In XXXX they claimed the reason for closing my account was because they could not verify my identity. But My complaint against capital one is that my account was in the positive when capital closed it but on XX/XX/XXXX capital one fraudulent reported to the XXXX bureaus on XX/XX/XXXX that my account was closed was XXXX  days passed due for {$2.00} causing my XXXX XXXX to drop XXXX points. even though capital one reported the account positively and accurately for XXXX, XXXX, XXXX and XXXX they fraudulent reported to the XXXX  bureaus that they closed the account in XXXX. I contacted capital one about misleading the XXXX   bureaus and reporting in accurate information about this account and to remove the past due reporting especially since the account was never past due when they closed it but they have ignored my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
When I took out the loan I have been fatefully making the payments under 2016 when my financial situation changed. My interest was over even higher than 100 % of what I brought for my credit was in the 600s however I was only approved for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: IN
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 submitted a dispute less than a week ago regarding the one and only negative thing on my credit report. For my company called XXXX. These people have fraudulently put this on my credit report because this was supposed to be paid due to insurance. Not to mention the fact I have repeatedly told XXXX that they are not to contact me they are not allowed to submit this on my credit report and I will only deal with the original creditor. Federal law says I have that right. On XX/XX/XXXX of all days Equifax said they had concluded the dispute and verify the information yet they refused to show me how they verified the information. What did they do get a letter from XXXX stating it is correct? That is not sufficient. They can not simply take the word of a creditor wanting to get their money home by the way has never sued me in court. The original creditor, XXXX XXXX, was supposed to file this with insurance and apparently never did. I never received proper notification from XXXX and the next thing I know this is placed on my credit report. Equifax has been negligent in their investigation due to the fact that they did not and could not have gotten proper verification of this from XXXX XXXX in a matter of a few days. They are merely taking the word of a well-known debt collection agency whom I might add continues to break laws every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
credit reporting agencies willful non-compliance with FCRA 15 usc 1681n, 15 USC 1681e ( b ) causing damages to my personal reputation with lenders and creditors, preventing me to enjoy my federally protected constitutional rights to ensure my domestic tranquility, general welfare and pursuit of happiness for family, home and personal use.

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