BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX. XXXX XXXX 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 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 item 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 2023-02-11
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 The Credit Bureau Experian stated Account name : XXXX XXXX XXXX Account # XXXX was properly investigated but, how is this possible when the company responded to previous complaint with XXXX for report # XXXX and the summary of the result was Trade : XXXX XXXX XXXX XXXX has been deleted from the credit file. This is grounds for removal from all reports, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : which is affecting my ability to obtain housing. 

The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these agencies written permission to furnish these accounts on my credit report, and if it is not removed I will take legal action.

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 2022-01-14
Company: Security Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of Security Credit Services. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Army and Air Force Exchange Service
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2022-10-27
Company: EQUIFAX, 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:
See letters sent, reporting inaccuracies to the credit bureaus is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Caliber Home Loans, Inc.
State: RI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX My complaint concerns two issues with a mortgage service company : 1. ) In an attempt to collect a mortgage debt from me the mortgage servicing company directed a company that broke into my home and locked me out. This case was summary judged in their favor in Superior Court XXXX. I disagreed and appealed that decision. The verdict was reaffirmed by the Supreme Court in XXXX   last week on XX/XX/XXXX. I have attached a similar case from Washington State that verifies the opinion that I contend as decided by Supreme Court Justices in a similar lien theory state like RI. My only option aside from your office is to bring this to the US  Supreme Court. I respectfully seek your assistance with this. 

2. ) The mortgage company committed perjury in this case ; they provided an Affidavit to the Superior Court that mortgage payments were not being made at the time they locked me out and on another occasion they had entered my property. I have attached a detail of proof from RI Housing Mortgage which assisted me during those periods between XXXX and XXXX with XXXX XXXX XXXX XXXX payments which were disbursed on my behalf to the loan service company, accepted by them however not properly applied to my mortgage account. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX 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 : XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX XXXX is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.

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 2018-05-03
Company: Arbor Residential Mortgage LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted your company before about incorrect reporting and the wrong info listed on credit report. I have reached out to the XXXX company here in XXXX so many times and still no response from them and even you guys have tried and told me that you cant get in touch with them. I have asked for proof and still nothing i have asked that this be taken off my credit report for over 2 years now i need your help. please have this taken off my report it is hurting me and i have sent 3 more letters to them no response. i have reached out to all 3 credit bureaus to have removed they cant even give me the correct info. please help me as a consumer get this handled PLEASE PLEASE .... THANKS THANKS THANKS IN ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: AL
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comenity Bank, XXXX XXXX XXXX Bank is not licensed to conduct business in California and they have no " Local Agent for Service of Process '' as required by law and are Unlawfully attempting to collect a fraudulent debt that has already been resolved by XXXX which provided CFPB with their written response that the money was returned to my account. Comenity failed to conduct due diligence and provided a fraudulent response to my complaint. 

I have no lawful responsibility to transfer any money that was done without my knowledge and consent, forcing me to work for free. This matter needs to be resolved by XXXX and Comenity Bank who get paid to work. Secondly Comentity Bank, etc. has to provide me ( XXXX ) with the name, address and telephone number of their local California XXXX for service of process. I called Comenity Bank and spoke with XXXX employees. ( XXXX, XXXX and XXXX XXXX who told me they would call me back with said information in 3 days but have failed to call provide me with their California local agent for service of process. California State Law requires they have an XXXX For XXXX XXXX XXXX. Records revealed they are in violation of California State Law in this regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made multiple requests to FedLoan and XXXX to receive a refund for payments made on my student loans during the XXXX forbearance period. I submitted my first request on XX/XX/XXXX to FedLoans with no reply. 

I contacted FedLoans again on XX/XX/XXXX and received a reply on XX/XX/XXXX requesting the exact payment dates and the exact amounts from you for the request to be submitted. I replied on XX/XX/XXXX with the following information : " HI XXXX, Here are the payments that I would like refunded : XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XXXX/XXXX/XXXX -- {$210.00} XX/XX/XXXX -- {$1000.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1800.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} XX/XX/XXXX -- {$1300.00} TOTAL : {$24000.00} '' On XX/XX/XXXX I received this reply from FedLoan : " Thank you for contacting FedLoan Servicing! 

A request was submitted to refund your payments from XX/XX/XXXX through XX/XX/XXXX. It can take anywhere from 2 weeks to 2 months for the refund to be received, which depends on the XXXX XXXX XXXX XXXX. 

Please use the " Contact Us '' link through your online account at XXXX to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department XXXX which is open Monday through Friday, XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX. 

Sincerely, XXXX '' On XX/XX/XXXX I contacted FedLoans : " Hello, I would like to check the status of my refund initially requested XX/XX/XXXX. I received a reply and sent the exact dates and payments on XX/XX/XXXX. My loans will be transferring from FedLoan to XXXX on or about XX/XX/XXXX. I would like to receive the refund before they transfer to XXXX to avoid any confusion. I was told it would take anywhere from 2 weeks to 2 months to receive my refund, I have been waiting 3 months. Thank you for your time! 

XXXX XXXX '' I have not received a response as of today, XX/XX/XXXX. It has been 8 months since my initial request, and 2.5 months since FedLoan informed me it should take 2 weeks to 2 months to receive my refund. I have also messaged FedLoan on XXXX XXXX XXXX to request information. They said they would have a representative call me but I never received a call. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 information incorrect

Complaint:
I have placed disputes in regards to my payment with XXXX about my reported payments on my Mortgage account. As of today the payment has not been reported. I appears that XXXX is taking its time to update incorrect information which delays the reporting of the correct Credit Score. 

This appears to be a deliberate act. I also dont understand how my scores are moving by XXXX, XXXX and XXXX points with all the no reported payment being corrected on other 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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 2022-04-19
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I, XXXX XXXX, was denied an extension of credit by Capital One. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and they assume civil liability pursuant 15 U.S Code 1691 ( K ). Capital One has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me is both a proof and evidence that I have been discriminated against, they are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Paypal Holdings, Inc
State: AZ
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 purchased a product on line through another scandalous company unbeknown at the time to promot there product well i figured can't promoter it unless it works so i put hade it it once but twice by accident the keep itstruction unclear so this happens quite offten.i industry reach out for a refund Wich all day they gauranttee only to be XXXX.so i do the next thing on list report it to bank file dispute to find out these people have been ripping me off for months some how got into my PayPal account and set them selves up on auto pay and have been siphoning money for months now because if that pay pal has sided with them other wise they have to admit some one got in there security.and are refusing my claim and mean time these people have gone back into pay pal and set them selves up on auto pay and hitting my account again after i filed complaint and turned auto pay off again myself.thid is on pay pal and i think they should be held responsible for it.i live on a fixed income so yes XXXX is alot to loose all at once.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In two separate incidences, citizens bank made errors that cost me thousands and almost made me lose everything in my life. Their statement was that they do not compensate customers for financial hardships even when they caused it. On XX/XX/XXXX, they received a debt verification request from myself. They did not respond within the five days required under law. They are also not allowed to put derogatory remarks on my credit report nor are they allowed to continue collection activities until the debt has been verified. They have not followed any of these requirements. They put enough derogatory marks on my report to take my score over XXXX points. They put enough derogatory marks on my report to take my score XXXX points. I have informed XXXX XXXX who works in the office of the chairman that the bank is in violation of federal law many many times. She is knowingly thumbing her nose at the life. I am filing this complaint to hold them accountable. I have requested that they remove the marks several times.

Company response to consumer: Closed with explanation