BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
I applied for a credit card through XXXX XXXX but was denied and received a letter from Synchrony Bank saying the credit report provided by XXXX provided 4 possible reasons and outlined them to me in a letter dated XX/XX/2018, none of which apply to me. After a lot of run around from XXXX and Synchrony, I requested my credit report and received that on XX/XX/XXXX from XXXX. None of the 4 reasons  applied per my credit report either. I also noticed there was an incorrect phone number so I requested that be changed and requested further information as to why I was denied a credit card. Then, I received a letter from Synchrony saying all of the info matched and nothing would be expunged. And also, I still have no reason for why I was denied a credit card. Throughout this whole process, XXXX has given me the run-around and Synchrony Bank has been unclear with the reason I have been denied. I am concerned about my credit but do not want multiple inquiries on my record.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 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 But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

1. XXXX is reporting my loans with different account numbers breaking the loan down instead of one account number for all the loans combined, they are not seperate. 

2. XXXX XXXX XXXX XXXX  as well as XXXX XXXX XXXX are reporting the same amount with different account numbers as if they are two seperate debts. Auto Market of Florida sold the account to XXXX XXXX XXXX in which I did not give consent 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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Their is incorrect information on my credit report including my previous address and hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-11-11
Company: Experian Information Solutions Inc.
State: GA
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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved asap. looking over the data listed ive noticed all data is reporting illegal an fraudulent information. this has caused major denials on my credit report. please review an remove the listed items to help clear my credit profile 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 2018-12-27
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a {$200.00} loan from XXXX XXXX XXXX on XX/XX/XXXX. I made {$60.00} payments bi-weekly that applied towards the interest, until I could no longer afford to. On XX/XX/XXXX, I entered a debt settlement program with XXXX XXXX XXXX, to help pay off all of my outstanding debts. The balance on the account at the time was {$350.00} by XX/XX/XXXX ( it included the principle, {$90.00} past due, and {$60.00} finance charge ). The account was sold to a debt collection company : National Credit Adjusters. XXXX XXXX XXXX negotiated a settlement amount of {$150.00} with NCA. The settled balance was paid in full and I received a debt settlement letter on XX/XX/XXXX. 
Today, XX/XX/XXXX, I received two calls and voicemails from a XXXX XXXX. The message stated : This is XXXX XXXX contacting ( my name ). You are being notified of a claim in our office that is being filed against you, we will be verifying your current address as well as place of employment for delivery of documentation. At this time it is your legal right to contact our office directly at XXXX again XXXX or press one to be connected immediately this will serve as an official notification by phone. 

I returned the call and spoke with a XXXX XXXX, who stated that he is with a mediation company called XXXX and XXXX has sent my account to them for an outstanding balance of {$450.00}. I informed him that they are attempting to collect on a debt that is past the staute of limitations, amd more important the account had been paid off. I offered to mail them a letter showing that the account had been settled and paid. He then said that the statute of limitations does not apply to them, because of my attempt to defraud and scheme XXXX. I informed him, that there was no fraud or scheme, because I paid the debt off in XXXX and would mail them a letter proving this. He then began asking me for my account number for XXXX, so I asked for the mailing address to send the PIF letter. He said the mailing address is XXXX. XXXX XXXX, XXXX, AZ XXXX. After that, he asked for the account number again. I asked him to give me moment to look for it. He told me I was stalling ( I was actually looking through my email for the account number ) and since I could not provide the account number, I would now be charged {$2500.00} which included the past due fee of {$450.00}, late fees, and legal fees. I disconnected the call once I felt suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions 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:
These creditors have violated my rights under 15 USC 1681 Section 602 as per the Fair Credit Reporting Act. In accordance with 15 USC 1681 Section 604a Section 2, I have the right to privacy. I also have the right to demand that a consumer reporting agency furnish the agency with an account only if I provide notice in writing ( 15 USC 1666b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. The accounts are : 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 2023-07-23
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: Account information incorrect

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 the 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: Knight Adjustment Bureau
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was served papers by an officer and I was told to contact the collection agency. When I contacted them I was transferred to the representative at Knight Adjustment that was  handling my case, XXXX was her name. She told me that I should let the judgement go through because I was going to lose anyway and that in return she would make sure that I was not charged the interest or fees usually associated with a judgement. As long as I made the {$50.00} monthly payment and was also required to be put on a 6 month recurring payment plan. I asked if it could be lowered to {$25.00} a month and she said no. I told her I would have to figure some things out, and call her back. She told me to call back within the week otherwise the deal would be invalid. This took place sometime around or before XX/XX/XXXX. I called back a few days later ( all of these conversations should have been recorded, as stated every time I called, as well as every time I called to renew my 6 month recurring payment plan ) and agreed to the terms. She took my {$50.00} over the phone and set me up with my initial recurring payment plan. Every time I would call to set up a payment, I would inquire about the balance, and she would always state that it was lowering. I ended up moving to Washington State ( XX/XX/XXXX ) and in that process, I noticed that my recurring payment plan had lapsed, so I called XXXX to set it up again, let her know that I had moved but didn't have a permanent address yet, and to inquire about the balance again. Everything was good until six months from that time to set up my recurring payment plan again. I called again to talk to XXXX, and was told she was no longer with the company and someone else would help me. I asked about my balance, and it was over {$10000.00}, which was nowhere near the balance I was told six months before which was around {$2000.00}. I asked the new representative how that was possible, and they stated it was the interest and fees that had been collecting on the account. Something that was withheld from me and stated by XXXX, their representative as something that was not going to incur. I was also told that they could not take my payment because I had moved out of their area, even though they had been taking them for 6 months, and knew that I had moved. I am not the original creditor on the account, I am the co-signer, and they had the account transferred to a company here in Washington State, even though the original creditor lives in Utah, and the debt is now almost {$20000.00} with the new fees and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : 1 ) .XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX 2 ). XXXX XXXX Account # XXXX 3. ) XXXX XXXX XXXX Date XXXX XXXXXXXX XXXX 4. ) XXXX XXXX XXXX XX/XX/2022 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 6. ) XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX  Rights Violations : 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 2023-01-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been struggling financially and am behind on rent several months due to covid / work and can not make my monthly Navient payments because I'm attempting to pay back what I owe for rent. I have court dates set up for the next few weeks because my building is attempting to sue and/or evict me if I don't make my payments. This is extremely stressful and difficult for me as I'm trying my best to pay my rent every month. Navient doesn't care or understand that I can not make my monthly payments with them in fear I will have nowhere to live. They expect me to pay almost the same amount of what I pay in rent every month and it is impossible. They won't help me and although I have tried to recently make payments with them, I can not make any more in the future for my rent is my priority right now. They refuse to turn off my auto pay and expect me to pay them instead of my rent. They are robbing me of my livelihood. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: MD
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:
experian { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, experian declined to address problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.

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 2023-11-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I requested a refund from XXXX XXXX and they agreed to it, but have failed to deliver. I have filed a formal complaint with Navy Federal Credit Union for the services not rendered which XXXX XXXX verified. I would like a refund from my bank for the services so they can file the chargeback with the company to receive their money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06
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:
This is my 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 items : XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00}.

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 2021-07-25
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have mortgage refinance with Quicken loans. I have to provide verified CPA Letter for this year profit and lost. 

I did all the steps. 
I get closuring disclosure letter that the loan will be close in 3 days. the XX/XX/2021 I did email the loan officer to postpone the closing date to XX/XX/2021 and I want to pay my own escrows fees " property taxes and insurance '' They did provide new closing disclosure with no escrow fees and new date XX/XX/2021 Four days later They did ask me again for new P & l statement audited by CPA. 

I did tell theme I will not provide any documents any more They denied my application

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : 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