BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: IL
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for {$1400.00} XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$300.00} to my account XX/XX/XXXX {$140.00} to my account XX/XX/XXXX {$100.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX {$80.00} to my account XX/XX/XXXX -Payment withdraw from my account {$260.00} XX/XX/XXXX {$270.00} to my account XX/XX/XXXX {$60.00} to my account XX/XX/XXXX Payment withdraw from my account {$360.00} XX/XX/XXXX {$60.00} to my account. 
The loan interest rate is 360 % and the next payment they will withdraw is {$410.00}. These payments will take almost half of my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2022-04-17
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Didnt give consent to a hard credit pull

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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. 
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 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 2022-12-08
Company: EQUIFAX, INC.
State: MS
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 filed a dispute on XX/XX/XXXX with equifax for a collection account in the amount of {$850.00} with XXXX XXXX. The account opened date is being reported as XX/XX/XXXX. However, the XXXX delinquency on said account is being reported as XX/XX/XXXX which is completely impossible. Equifax responded that the dispute was verified, but that has to be inaccurate because in order for the delinquency to be correct, the account wouldve have to have been opened prior to that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
I was out of state XX/XX/XXXX-XX/XX/XXXX, just returned on XX/XX/XXXX and noticed debt collection notice from debt collector TRANSWORLD SYSTEMS INC that I owe {$55.00} to Creditor XXXX XXXX XXXX XXXX, Invoice # XXXX XXXX XXXX. Debt collector claims on notice that " they have not received a response from me regarding my past due account. Previous attempts by our office requesting that my account be resolved have been unsuccessful. '' I have concerns on this notice. 
a. I have received no email/phone/mail communication either from XXXX or from Debt collector, so this is statement is FALSE that they could not get any response from me. 
I called XXXX but they kind of bypass my this question, when I asked for proof that they ever contacted me. 
b. Notice is incomplete. It just has an invoice number and thats all. It does not have any proof of attachment for additional details or invoice copy. 
c. Debt collector does not have complete info on what this debt is and claiming that I left something with XXXX in month of XX/XX/XXXX I don't recall of using XXXX in month of XX/XX/XXXX. I used XXXX in month of XX/XX/XXXXto ship my passports for XXXX consulate. 
Debt collector has no further information on it. I asked for copy of invoice that they are going to send over within 30 days ( hopefully soon ). Once I receive I will be able to understand what this amount is for? I don't recall. 
d. I called XXXX today at XXXX PST at XXXX and asked for further details. They claim that I mail something to myself in month of XX/XX/XXXX. I am sender and receiver of package both. This makes no sense to me. I don't use XXXX at all unless it is for documents sending to someone else. Why would I do that. XXXX has opened XXXX claim : XXXX today and hope to receive their reply in 1-2 business days. 

I am extremely upset by approach that XXXX used and/or their debt collector used and falsely claimed. Notice came off as threat to me demanding debt $ amount for which debt collector has no supporting claims/documents/calls/emails/mail proofs and is incomplete and falsely claimed that I was contacted. I am so on top of my payments always and check my mails twice a week to make sure I not miss any payments/dues etc. This is surprising, frustrating, adds anxiety, stress, disrupts people 's lives, not ethical and above all not correct way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson systems is reporting a collection on my credit report, a collection account that I have no knowledge of. I was not given notice or time to dispute before this collection was reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX the account of @ XXXX contacted me wanting to pay me for companionship. He said I was so beautiful and didnt want to do anything inappropriate just get to know me and not waste my time by paying me for that time. So I said okay. After a week of talking he sent me a check of XXXX. He asked me what bank I used and I told him and then told me he wanted to include some money for me to send to a charity for foster children. I asked why he couldnt and he said because he has given them too much and wanted it to come from me. After the check cleared on my Mobile deposit I sent the contact he said was in charge of the financials for the orphanage in the amounts he asked for. These were directed to the XXXX XXXX phone number I provided. 

Then he sent another check for XXXX and wanted me to do the same thing. After one XXXX he started asking me for inappropriate pics and convo that I got uncomfortable and started to realize it was a scam. Shortly after this the checks bounced out of my account and I was put into the negative. He hasnt contacted me since. 

I sent him a total of {$2500.00} XXXX payments before the funds he sent by check were taken out of my account. I thought the money was approved as it said it was after mobile deposit. Once it was finally reviewed it was taken out of my account because the check was tampered with. At this point I had used some of the money to pay off bills and I didnt know I was putting myself in the negative. 

I cant even get a loan now with a negative account balance and Ive had a couple of direct deposit work check go into this account reducing my negative but leaving me with nothing to live off of. All of my bills go through this account as well. 

After contacting my bank right away I filed a claim for the XXXX payments and for the scam. My account was on hold but not closed and they said I couldnt do anything for 10 days while it was being reviewed. 

I got letters in the mail at various days XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all dating the same day XX/XX/XXXX in the mail itself. The conclusions they had were that I can not be reimbursed for the funds I sent or the check I thought was approved.

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 2022-04-17
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with loan depot in 2021. My first payment was due on XX/XX/XXXX which I made, but there was an issue with them applying the funds correctly. When I noticed the issue on XX/XX/XXXX, I submitted a secure message to loandepot asking for them to look at my account. They advised me at that time I should not make partial payments ( every two weeks ). I agreed I would not do it again and they replied to me that they posted my payments for XXXX on the XXXX. They stated my next payment due was for XXXX XXXX. I have been paying on time on what i thought was current payments this entire time. Fast forward to XXXX, where I receive an email from loan depot that they now accept partial payments. I did partial payments, come to find out they did not accept them unless you were two months ahead. I start getting collections calls because they said I was 2 months behind which is not the case. I was treated horribly and lied to by one of their reps. They told me I had a escrow shortage and my payment would go from XXXX to over XXXX and the lady was awful on the phone when I asked for proof. I then talk to a manager who says you do not have an escrow shortage she lied to you. Then I find out that they never posted my XXXX payments correctly and had me reflecting as delinquent for XXXX. I then get a check back in the mail for {$670.00}, I called and had it posted to my account immediately and I was advised someone would keep an eye on my account, so it did not get posted negative to the credit reporting agency. I escalated the issue with my XXXX payment, and I keep getting push back from the company saying I never reached out which is not the case. Had they fixed it correctly like they stated to me I would not have been a month behind this entire time. Now they are refusing to help fix the issue, and I have no idea where the {$1300.00} I paid to them in XXXX got applied. We had a ton of issues at closing too that they attempted to resolve but we were so frustrated we just gave up. This experience has been nothing short of a nightmare. I want them to fix my XXXX Payment, and i want the negative reporting removed from my credit and my husband 's credit. I should be reflecting due for XXXX and that needs fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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: Investigation took more than 30 days

Complaint:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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 information incorrect

Complaint:
Applied for lending online XX/XX/22, receiving approval from XXXX XXXX. Contingent upon accepting the terms, approval was granted for a revolving line of credit in the amount of {$3200.00}, requiring bi-weekly minimum payments in the amount of {$190.00}. The damage to my credit report is a result of both unfortunate circumstances & several instances of identity theft, of which I have made tremendous & ongoing efforts to repair and/or improve over the years, of which none have paid off. Needing the funds due to an emergency, I had no choice but to accept the lenders ' terms, of which I suspect are borderline illegal & will investigate separately but I fully acknowledge it was my choice to accept but the issues recently uncovered are unrelated to the actual product itself & have been outlined below : XXXX. XXXX XXXX is a member of the Federal Reserve and although they may not be required to report to the credit bureaus, they do report for some account holders & others they do not XXXX. My account was reported, 5 months after establishment, but to Clarity Services which is actually owned by XXXX, and not to 1 of the 3 major bureaus XXXX. However, completely FALSE information was reported, specifically the loan amount/credit limit, reported as XXXX XXXX As stated above, lending was approved in the amount of {$3200.00} & remains the same to date as my loan has not been refinanced and/or increased. My loan documents & disclosures will easily verify the claims made to be 100 % true.

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 2022-04-17
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: Account status incorrect

Complaint:
XXXX  account # XXXX date opened dates are different from XXXX then experian XXXX  date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX date of last active is XX/XX/XXXX Experian date of last active is XX/XX/XXXX please delete this account for multiply inaccuracies.

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 2023-10-18
Company: Albert Corporation
State: AZ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
Albert Genus is charging me {$12.00} a month for nothing - i've canceled this back in XX/XX/2023.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Since XX/XX/2022, I have been contesting fraudulent information on my credit report. I've been waiting for your response, but nothing has come through as of yet. The unverified items stated below continue to report on my credit report in violation of federal law notwithstanding the prior written request. Despite my best efforts to resolve the issue directly with the creditor, the credit bureaus continued to report unsubstantiated information in violation of the Fair Credit Reporting Act, 15 USC sections 1681i, and did so with intentional XXXX and in violation of federal laws. I want this information to be checked for appropriateness, accuracy, and completeness. Please give me a prompt answer describing the actions you will take to remedy this issue. I shall be forced to utilize my legal rights and take legal action if I don't hear back. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Far Credit Reporting Act XXXX account number # # # # # XXXX ( XXXX XXXX XXXX XXXX ) and account number # # # # # # # # # # # # # XXXX ( XXXX  XXXX XXXX XXXX ) has violated my rights. 
1

5 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer report ac can not furnish an account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been directed by both XXXX ( first servicer ) and Navient ( originally XXXX and XXXX ) into forbearance since my loans became due six months after graduating from XXXX in XX/XX/XXXX, due to my unemployment. Since my loans shifted from XXXX and XXXX over to Navient I have had nothing but misinformation. I was recently granted forbearance on all my loans for what I thought was a period of one year ( XX/XX/XXXX for XXXX loans, and XX/XX/XXXX for XXXX others ), this is what I applied for. Just yesterday I received an email saying they were going into repayment in XX/XX/XXXX. I log in to my account XXXX loans are saying due XX/XX/XXXX and the other XXXX are due XXXX! Yet, the first XXXX are showing under the details in forbearance until XX/XX/XXXX, if they 're in forbearance how is a payment due this XX/XX/XXXX??? The other XXXX are showing in forbearance until XXXX, again how is a payment due XXXX if forbearance does n't end until XX/XX/XXXX ( which, again is not even the date I requested )?! I am thoroughly confused by this information, and I feel it is intentional to mislead. I have tried contacting Navient concerning this and they ca n't give me a straight answer. I am terrified this is going to destroy my credit which I rely upon for employment in my field. I will attach screen shots from their site showing the inconsistency in information from one page to the next, and between the mobile and desktop site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Ive sent numerous certified letters to transunion to get inquires removed from my credit, called multiple times they stated they never received any letters and refuse to remove inquiries in which I never gave my consent for my credit to be released to any of these companies

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