BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: Experian Information Solutions 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX # XXXX  Account name : XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To Whom it may concern, Navy federal credit union sent me a letter saying your payment of XXXX which is due on XX/XX/XXXX has not been received. Account ( XXXX ) I recently received another letter saying i owe {$2100.00}. Not sure where this amount came from. This needs to be cleared up ASAP. The letter threatened to repossess my vehicle for the outstanding amount of debt. As a consumer I extended my credit to Navy Federal Credit Union in XX/XX/XXXX, NFCU is taking advantage of consumers. 15U.S Code 1601 ( a ) I made an uninformed decision when getting the loan, Nothing was clear and conspicuous as the law state it should be. I was never made aware of the cost of credit. The only evidence of a debt was the promissory Note that was never signed by anyone, I still have the blank promissory note they sent me. nothing was explained. these are some of the laws they're breaking. i intend to sue in federal court if this can't be fixed.15 U.S.code 1602 ( g ) ( k ) 15 U.S code 1692e false or misleading representations, 15 U.S 1692e ( 3 ) ,1692 ( 6 ) ,1692 ( a ) ,1692j ( b ) ,1692k i.e. please help fix this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$4400.00}.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$260.00}

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 2021-03-09
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
In XXXX of XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit. My next payment due date was XX/XX/XXXX in the amount of {$330.00}, but was advised that the account would be frozen until XX/XX/XXXX. 

I called again on XX/XX/XXXX to extend the deferment since I continued to still experience a decrease in income due to COVID and was then told that my payments would again reset to {$0.00}, with the next payment due XXXX. I called on XX/XX/XXXX to make a payment of {$330.00} ( the amount I was told was currently due on the account - confirmation # XXXX ). I was told the next payment amount due would be for {$350.00} and did request an additional extension with the next payment being due on XX/XX/XXXX. I again made sure nothing would negatively impact my credit. I was advised to pay {$350.00} in XXXX to avoid a 30 day late and had made that payment on XX/XX/XXXX ( again being advised by the agent that I had no incurred a 30 day late payment. 

It turns out that the creditor did in fact report me 30 days late in XX/XX/XXXX which devastated me since I had never had issues like this, AND have been a customer since XXXX with excellent payment history. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit 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, a gentleman named XXXX XXXX called. He told me he had a program that could show me how to pay off my Mortgage between 5-7 years. It sounded convincing at the time, and I told him I needed more information ; he said that I needed to pay for the program and then they would send me a XXXX link to explain the program. I paid for the program on XX/XX/XXXX, and received the link to the XXXX meeting. 
After I listened to the information from the XXXX meeting, I realized they wanted to Apply to a bank of their choice to pay high interest on the loan and add my paycheck to the program, and I was concerned. 
I sent a cancelation email on Wed, XX/XX/XXXX, at XXXXXXXX XXXX. I explained to them that I was going through a XXXX and had a court date on XX/XX/XXXX. I didnt want to continue with the program, and my credit score was not great ; plus, I Dont know if the court is not going to ask me to sell the house. 
The answer was that they would postpone the transaction till my court date on XX/XX/XXXX, and I could transfer the program to another home. I told them I was not going to buy another house anytime soon, and again, I asked them to go back to the original email that I sent on Wed, XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, of cancellation ; I want the refund back on my credit card. 
Since then, I have been going back-in-Fort to get the refund back. I submitted a complaint to Pen fed the credit card on XX/XX/XXXX, to let them know I never used the program or received anything to download from Accelerate Banking ; I canceled the transaction, and they refused to apply the refund to my credit card, I received two XXXX calls once after XX/XX/XXXX, which withdrew on Wed, XX/XX/XXXX, at XXXX XXXX 
Another one after XX/XX/XXXX, because they postponed the transaction, which I was unaware of ; again, I asked them to return to my original email on Wed, XX/XX/XXXX, at XXXX XXXX. 

As of XX/XX/XXXX, the XXXX is still trying to get me through the process, which I have never purchased since I canceled on XX/XX/XXXX. They charged me {$3900.00} for XXXX XXXX calls to explain the funny strategy to scam me out of my money. One XXXX call was on XX/XX/XXXX, and the other was after XX/XX/XXXX, which I considered because I wanted my accounting adviser to hear what they were trying to sell me. They postponed it until my XXXX court date but canceled it on XX/XX/XXXX. I never told them I wanted to proceed, especially when they stated that I had to put my paycheck into the process and then apply with several banks of their choice to pay high interest on my salary.

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 2023-03-29
Company: EQUIFAX, INC.
State: MD
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Westlake Services, LLC
State: MT
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:
THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE XXXX  APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " MAD XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. 

XXXX. XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX  XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXXWESTLAKE XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX  XXXX. XXXX XXXX XXXX ON 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 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I mailed off my affidavit of truth " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit '' [ Group v Finletter , 108 F.Supp. 327 Federal case of group v Finletter, 208 F.Supp. 327 ]. 

Credit Collections Services never rebutted with an affidavit. An affidavit uncontested, unrebutted, unanswered, Morris v National Cash Register, 44S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accept as true ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Lakeside Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a call from Lakeside Recovery Solutions on XX/XX/2021, They stated I owed a debt that I had no recollection of I asked the guy there to send me proof of debt and he said they cant send it anymore because they have sent it as many times as he can. I have never received anything from them and he began to tell me I am being a narcissist and that since I am a business owner I should have no problem paying the debt. He began to say that he didn't care if I paid or not because the Lawyers were going to sue me and take even more money from me. He then said he is there to answer questions but when I began asking questions he started saying that I am just trying to get out of paying and one of the questions I asked he stated he answered the question when he first answered the phone and was extremely rude about it. I told the guy on the phone that they had rules as debt collectors that they needed to follow and he told me that he has been doing this longer then I have been alive and that I dont know what I am talking about. He also told me to go detail cars to go make more money. I believe this company is a scam, if they were willing to help people they wouldn't treat people the way the do. I would like a copy of the call transcripts from every conversation I had with them yesterday. First call was at XXXX second call at XXXX third call at XXXX and 4th call at XXXX. All calls took place on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CO
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-15
Company: Shellpoint Partners, LLC
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I had a mortgage on a property which we are selling and is currently under a XXXX XXXX XXXX  which was signed on XX/XX/XXXX XXXX XX/XX/XXXX XXXX sent to NewRez, holder of the mortgage a check in the amount of {$120000.00} via Registered mail to cover the total amount outstanding as per their " pay Off '' statement sent by NewRez date XXXX XXXXWe received from NewRez a letter dated XXXX XXXX saying that they had applied to the payoff of the loan the payment sent, and that " As of that date your payment has been paid in full ''. They also included a statement of our payment history. 
Since then I have been on constant communication with NewRez in writing and verbally by telephone requesting that they send me the documents cancelling the mortgage and the cancelled original mortgage documents. To date I have NOT received the documentation requested but only various letters all of which state ; " We are working to gather the requested information and will forward it to you as soon as possible '' The first such letter was dated XXXX XXXX and the latest dated XX/XX/2021. 
The XXXX XXXX XXXX has had to be extended twice beyond its original expiration date due to the missing Mortgage Cancellation Documents, and NewRez has NOT given any reason for their delay in providing what we have requested and which we need to go to a closing on the sale of our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The 3 major bureaus held my information and incorrectly and improperly used my information causing me to be denied employment and housing. 
XXXX XXXX _ XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of BirthXXXX XXXX XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, This is my 3rd and final request!!!!! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I did not give permission to any of XXXX XXXX to release my information if I was to have an open account with them. You are in violation of the FCRA. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX Account number XXXX Amount {$17.00} XXXX XXXX XXXX XXXX Account number XXXX Amount {$1100.00} XXXX XXXX XXXX Account number XXXX Amount {$300.00} INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Also please update the following information which I saw your credit bureau to be missing or incomplete : Please remove this incorrect employment information XXXX XXXX XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX I am disputing the following personal information that is showing for me which is incorrect Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I am allowing you 10 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results If not I will be seeking legal advice and filing a complaint with the FCC and CFPB.

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$37.00}

Company response to consumer: Closed with explanation