BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XX/XX/2023 I sent a letter requesting that Discover Card is ILLEGALLY REPORTING Utilization to my credit report this company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) Discover Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) Discover that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My daughter became 100 % XXXX and is on XXXX and can not afford the debt. I am now XXXX years old and retired and live only on XXXX XXXX and some odd job income and I can not afford the debt. We were way behind on payments and agreed to pay a reduced balance of {$1500.00} at {$300.00} a month for 5 months, but every month we still get DEMAND letters asking us to pay the entire balance of the loan off. 

I have contacted the collections department and told them we are in a payment plan with them and they should know this and stop sending demand letters because they are harassing us and I think it is a violation of the Fair Debt Collections Practices Act. They told me they would fix it in their system so we would not get the letters anymore but we're still getting them. 

These people contacted all of my neighbors by telephone before I agreed to this payment plan, and they claim they were just asking if we still lived here. But every one of my neighbors told me they were calling because they were trying to collect a debt from me. I had to explain to them that my daughter was XXXX  and was unable to pay her college loans and that was what it was about. Everyone just blew it off because it was college loans, but again, these people are out of control in attempting to collect debts. 

For what it's worth - I worked in the credit industry for 23 years and we would never have done some of the things these people have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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:
In accordance with the Fair Credit Reporting act 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.

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 2023-09-01
Company: Absolute Resolutions Corp.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Absolute Resolutions reprinted my account as collections XX/XX/XXXX. They didnt even send me a notice stating I owed money to them. I only found out my reviewing my credit reports. I called and they transferred me to a debt attorney to make payment. I paid the balance in full with the debt attorney. I can provide all records of this along with letter showing account satisfied/paid in full from the attorney. The letter was sent to Absolute Resolutions showing payment in full and to remove my account on credit reports. They refused to do this so I disputed it with the credit bureaus. The credit bureaus researched and proofed I did pay full balance and updated account to reflect. Everything was good. Until Absolute Resolutions reported yesterday, XX/XX/XXXX to all the credit bureaus that I still owed the full amount and that my account was in collections. I called them today and they denied doing and stated there was nothing they can do about it. Im in the middle of purchasing a house and this is really causing problems that they reported it after everything was cleared and paid for. They are falsely reporting a balance that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 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 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 2023-06-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my credit report on XX/XX/2023, and noticed there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attached the hard inquiries that don't have any purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On   XXXX     I deposited my husbands check in the mail box of  Rabo Bank  in  XXXX  Ca at     XXXX   XXXX  . I then went to work. I checked my balance through bank texting and the amount   of husbands check had been deposited in to our checking. On   XXXX     I checked our account and check deposit was nowhere to be found. On  X/X/2017    at  XXXX  I went to bank to find out what happened to my deposit because I had numerous bank charges for insufficient funds. They said it was a electronic error and that I would not be responsible for any of the insufficient funds. Which is good but I 'm thinking that fraud was being committed on my acct by the bank to see if I would still pay for the insufficient charges.  Rabo Bank  is notorious for charging extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This morning XX/XX/2023, I called USAA to start the application process to purchase my first home. My dad is an XXXX XXXX vet, and he lives with me so I care for him. My twin sister and I are trying to buy a home so we can stop renting as my dad is on a fixed income and rent keeps going up. I spent 58 minutes on the phone with XXXX XXXX - mortgage ID : XXXX and he never one time said that my XXXX file needs to be unlocked so we could proceed. Once we got to the permission to run credit, he then tells me that my file is locked, he's denying my application because my file is locked because USAA doesn't like locked credit files. I told him, " sir, the amount of credit fraud that happens and with XXXX leaking my information a few years ago, I am entitled to lock my credit file to ensure I am not a victim fraud. Can I just unlock my file now so you can run the credit? '' He said, " no the application is denied and you will have to start all over. '' I told him, '' I would not is ton the phone with another person going through this entire process again. Can you at least save my application? '' He said, " no, USAA executives forbid saving applications and require customers to go through the process again. ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: WA
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 tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my XXXX and Equifax and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX in XXXX XXXX with student loans, I called to get into the REPAYE program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: GVA Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Predatory lending practices.     The fees were outrageous, in the neighborhood of {$5000.00} on top of a {$2000.00} loan. I made a larger payment last month ( {$1000.00}  )  in an effort to reduce the amount of interest being charged. I called them this month, and they indicated that I did n't have another payment due until  XXXX . Ostensibly, they interpreted the large payment as several payments in advance in an attempt to tempt me to continue the loan, not pay again for several months, at the same time accruing the predatory interest fees. Under the circumstances I just paid it all off, causing much harm to my financial condition but it was more favorable than paying the principal amount several times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MI
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 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 2023-09-01
Company: EQUIFAX, INC.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
This is my follow-up 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/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 2023-09-01
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a car through USAFS in XXXX. I was sold a warranty contract that was never paid for by them. They went out of business and transferred to a debit collector and they started my entire loan completely over. Tried to repossess my car. Never took any money off for the XXXX warranty I was charged for. Did not compensate or take money off for warranty breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Not sure of exact date going off report received from XXXX reported XX/XX/2016 states I was reported for Suspected fraud activity in the amount of {$190.00} closure status UNPAID. I was residing in Georgia temporarily & i opened an account with Bank of America, upon traveling back an forth to New York, I lost or misplaced card & I did not give my pin # to anyone. I reported card lost/stolen & my account was closed after review by Bank of America. I was never informed i had any outstanding balances owed to Bank of America. I recently went to the bank with my mom to be added as a signer on her account an the branch manager informed me that I could not be added due to fraudulent activity reflecting on my social security number was entered.

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 2022-12-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since I got this cell phone number, they started calling me. I dont have any debt. 
Everyday they call at least 5 times. 
I blocked the numbers but theyre calling with different number after I blocked. 
I got the call and tried to ask what is this call for, but it was robo call and hang up by them. 
I tried to call their customer service but they dont allow to call them unless I have account which is I dont have. 
I was not able to contact them.

Company response to consumer: Closed with non-monetary relief