BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
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 confidentiality under 15 USC 1681. 

Account name : 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 XXXX XXXX XXXX. 


Account name : XXXX, Account # XXXX, Account name : XXXXXXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not 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.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX. Please delete this account ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Pivot Financial Partners, Inc.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I missed a mortgage payment back in XXXX of XXXX. I was checking my credit and saw I had one 30 day late payment, but when I checked my account on their site it didnt show that it was late. I called to see if it was showing up on their end, but the guy ( His name was XXXX or XXXX XXXX said he didnt see anything and would look into it and call me back. He never did. I called a few times and left a couple of voicemails, but he never called back. The system they use is also really outdated and you cant just make a one time payment online since it was set up for recurring payments. About 7 months later I checked my credit again and it showed that I had 7, 30 day late payments. I called again and he told us which payment was late and I paid it. He said we could dispute the late payments since we tried contacting them months earlier to get it resolved which I tried to do, but didnt hear anything back. 

I hadnt disputed the late payments yet with the credit bureaus, but I checked my credit again because my wife and I wanted to buy a car and needed to dispute the late payments and get my credit back up. At this time it was XX/XX/XXXX and even though I made the payment beck in XXXX of XXXX, it was still showing up as late. I then contacted XXXX XXXX via email about it all and he didnt have record of me making the extra payment. I had to send him a statement showing I paid an extra payment on the mortgage in XXXX. He said he sent it to XXXX XXXX to get the 6 to 7 months of late payments taken off but that hasnt even happened yet and its XX/XX/XXXX. You can see how their system is very outdated. They couldnt even see on their end that I missed a payment all the way back in XX/XX/XXXX and that when I made the payment in XXXX of XXXX it didnt even show that I made the payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-09-15
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was compromised and they closed my account I was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am not sure regarding this, but I feel like I must have been affected : CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX  XXXX Balance : {$1000.00}

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 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I mailed a payment check # XXXX for {$2100.00} on XX/XX/XXXX to Capital One. I called two weeks later because it was not posted yet to my account. They told me they did not receive it and since 10 business days had passed, I would need to reissue the check. On XX/XX/XXXX, I mailed check # XXXX for {$2100.00}. The payment posted to my account on XX/XX/XXXX and then was withdrawn on XX/XX/XXXX because the bank returned it. The bank returned it because Capital One had already cashed the first check # XXXX but never posted the payment to my account. I have repeatedly called to find out where the money is if it not posted to my account. They opened a payment investigation and requested a copy of the front and back of the cashed check ( they even wrote the wrong account number on it! ). I uploaded through the portal and they issued a provisionary credit on XX/XX/XXXX. Today, XX/XX/XXXX, they took the provisionary credit back and told me that the reason is because the bank returned check # XXXX ( the second check ). Whoever is doing the " investigation '' didn't look into it far enough to see why this was returned. This happened on three Capital One credit cards that I mailed in payment on the same day. They fixed the other two, but refuse to fix this one. In the meantime, I am making minimum payments and paying interest so it doesn't show as late payments on my credit. Very frustrating!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reviewed my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have to been able to provide such proof to me.

This is a violation of the fair credit reporting act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection agency violated my rights by reporting inaccurate information on my credit report also by not sending documentation to me of the debt therefore I had no acknowledgement of it. The law is Within five days of initially contacting you, the collector must send written notice of the debt and include : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I contacted my original creditor us auto sales before the closing to advised my phone was stolen & provided my updated address, phone number, & email which I never received any communication on from westlake or the transfer. XXXX XXXX XXXX XXXX ga XXXX, XXXX, email XXXX .Therefore is a breach in contract & violation to my rights. Westlake did not send me any communication or notification that my loan was sold or any attempts to collect, dispute or notification at all. My first letter from westlake was received today XX/XX/2023 after it was forwarded to my new address however westlake picked up the vehicle yesterday on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
For the second time in 6 months I have had XXXX XXXX  close an account that was in good standing with a low or XXXX balance. This not only has a negative affect on my credit report it is also INFURIATING in the event that I need to use the account. 

The Lowes account was the first one - they lowered my credit line from XXXX to XXXX which at the time was only XXXX over my balance dropping my score 70 points and causing an issue with the purchase of my home. 

The next instance is with my XXXX 's account which had a XXXX limit and NO balance. They closed this and never even notified me. I fond out when I logged in to pay on another account. 

There is NO reason to close off my account without any reasonable explanation or notice. The Lowes account " excuse '' was that there was a change in my credit profile. The only change at the time was that I shopped for a mortgage loan. That should not affect my existing lines of credit The XXXX 's incident I am told is because there was no activity on the account. Because I don't buy furniture every day there would be no ongoing activity on the account HOWEVER having the account open and in good standing is a POSITIVE thing on someone's credit. NOW because the COMPANY closed the account it will have a VERY negative impact on my credit. 

I want an account reopened at the credit limit of XXXX with NO credit pull and NO negative impact to my score. The closed account will need to have the reporting corrected so as not to show that the company closed it - it needs to read account number transferred. Additionally I have a Care Credit account which I keep for medical emergencies - I would like this and any other account with Synchrony protected from closure. I would hate to get to an emergency room and find out they closed another account. 

The customer service person told me he was not able to open a new account or transfer my account to a new number. As far as my Care Credit account which I use for MEDICAL EMERGENCIES - he stated that I need to use the card by XX/XX/XXXX or I run the risk of that too being closed. If I have a medical emergency and I need the card apparently I will find out when I get there? He said " basically yes that is correct '' then I asked him so I have to have a medical emergency in the next 6 months? He said " technically yes '' THIS IS TOTALLY AGAINST THE FAIR CREDIT REPORTING ACT. 


The supervisor 's name I spoke with in XXXX XXXX XXXX # XXXX the other XXXX I spoke to was " XXXX XXXX '' who did not provide his associate number.

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 2023-09-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NAVY FEDERAL has not provided me my 1099-C for a charge-off/written-off account which is required by the IRS. NAVY FEDERAL said that they do not have to which is deceptive and misleading. They did not provide me with documentary evidence pursuant to 15 usc 44. They compiled billing statements that did not prove any alleged debt. I a not asking you to " verify '' anything. NAVY FEDERALS policy does not supersede federal law. 

GA code XXXX states any " debt '' that is the result of a promissory note has a statute of limitations of XXXX  NAVY FEDERAL is still reporting this charge-off/collection account to all credit reporting agencies. NAVY FEDERAL has continued unfair debt collection practices and has caused me great harm financially and has ruined my reputation as a consumer by furnishing this inaccurate, outdated, and unvalidated information. 

This action by NAVY FEDERAL, reporting collections/charge-offs, late payments, and other derogatory information on my consumer reports, is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities.

In light of the above, I kindly request that NAVY FEDERAL take immediate action to rectify this situation by removing the derogatory account information from my consumer reports within 14 days of receiving this letter. Failure to do so will leave me with no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX  XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, 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:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief