BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my, XXXX XXXX 's, federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX, Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # 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 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 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 2018-08-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A person named XXXX XXXX contacted me ( on XX/XX/XXXX ) referencing old contact information and the last 4 digits of my SSN claiming I owed a balance on a debt with XXXX XXXX that I settled over 7 years ago with a 3rd party collector ( XXXX XXXX ).  He said that although I paid a settlement amount, I still owed a balance ( an amount which couldn't be correct as I settled the debt ) and that the last payment I made was in XXXX which is also not true. I didn't make payments. I settled the debt in one sum in XX/XX/XXXX and I have bank records showing I made my settlement payment. This debt does not show on my credit but he threatened that he'd report it unless I paid him this alleged balance. He also fished for my current contact information, which I did not give as I did not want to invite further contact. I told him repeatedly that what he is claiming was not correct and that I'd paid the debt. Someone called again today from the same area code/prefix and this time the caller ID identified the business as XXXX XXXX XXXX ( XX/XX/XXXX ). They left a voicemail referencing a problem with my account and to call them immediately. I did not return their call. I researched XXXX XXXX and can see that XXXX XXXX works for them. Neither voicemail nor conversation provided any disclaimers identifying who they were or why they were entitled to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I decided to freeze my credit in the 3 major credit bureaus, Experian being one of them. Since then, I have received multiple marketing emails under the guise of " changes to my account. '' Thus, I am unable to unsubscribe from these so-called " changes to my account. '' Examples of the contents of the emails I have been receiving include the following messages : - " Don't just check your FICO Score*. Boost it! Now with Experian Boost, your FICO Score can benefit from the bills you already pay but haven't been getting credit for. '' - " Your Experian financial profile is ready, [ My name ]. As part of your membership, weve prepared your unique Experian financial profile to give you a snapshot of where you stand. Its now ready for you to see. '' Both of these emails have the following phrasing at the bottom of the emails : " This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian CreditWorksSM Basic emails in the past, dont worryyou no longer receive newsletters or special offers. '' BUT THESE ARE VERY CLEARLY MARKETING EMAILS. Experian is just trying to snake their way around having to offer users unsubscribe buttons while very evidently violating CANSPAM regulations. 

Here are also several posts complaining of the same issue : XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please feel free to call me via the number provided or send an email address to the email I provided if you would like for me to forward these atrocious emails to you for evidence. 

To fix this problem is to stop sending me this garbage.

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 2023-06-30
Company: Mercari, Inc.
State: MD
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 would like to refund the {$220.00} amount that being charged from my checking account which was unauthorized transaction being made from the Mercari company. 
Thank you so much. 
My best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
In a complaint dated XX/XX/XXXX to the CFPB regarding XXXX account # XXXX the original creditor ( XXXX ) has acknowledged in writing that the last payment on this account was XXXX XXXX for XXXX forwarding this letter to Experian in XXXX dated XX/XX/XXXX # XXXX, and on XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX, Experian continues to parrot their XXXX system and not properly investigate the issue of two additional payments appearing on this accounts payment history for the months of XX/XX/XXXX and XXXX XXXX are willfully and neglectfully reporting information that does not exist, see original crediter letter and credit reports from XXXX XXXX and XXXX XXXX 
The FCRA says I am entitled to an accurate and error free credit report, but Experian seems to think they can report what they want. 
I demand that Experian be sanctioned for willfully violating the FCRA with undue malice as this erroneous reporting has caused me financial harm.

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 2020-09-04
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:
These are not my accounts. Please remove them from my credit.

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 2023-05-22
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: Investigation took more than 30 days

Complaint:
I send my dispute letters out on XX/XX/2023. It has been well past 30 days now. I asked all three credit bureaus to show proof that the notification of the dispute letter was received and forwarded to the furnisher within 5 days, I ask for evidence of the reasonable procedures that they used to come to such a conclusion that this information was verified. I ask them to show me proof of who they spoke to, when did you talk to them, and to give me the names of the person, what telephone number did they call, and what addresses did they contact. I asked them to provide me with documentary evidence and any other valid information they received during the dispute process. I haven't been provided with the evidence. And I asked that all accounts that were provided in my dispute letter be deleted. And all three credit bureaus ignored my letter. I told them according to 15 U.S.C 1681 section 602 ( a ) the credit bureaus must complete a reinvestigation within 30 days of receipt of the letter.

15 U.S.C. 1681 states that the banking system is dependent upon fair and accurate credit reporting.

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

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an 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 2021-08-30
Company: Professional Recovery Management
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/XXXX of this year, I sent an affidavit of truth and an invoice for {$7000.00} to fox collection center. It has been over 30 days since they have received those documents and my affidavit has not been rebutted, meaning that it stands as true. However, I have not received payment for the invoice, as they are now liable to remedy me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MO
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:
The original complaint was filed directly with Equifax and they responded with a letter dated XX/XX/XXXX explaining that the information was verified as accurate and that the XXXX account would remain on record for 7 years from the date of first delinquency. Equifax disregarded the supporting documents ( statements from XXXX ) that were provided along with the dispute that proved the actual date of first delinquency in XXXX of XXXX since the last payment was on XX/XX/XXXX. See attached statements. 

Both XXXX and XXXX agreed to remove the account due to age. Why should Equifax not do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls from Commenity Bank in regards to XXXX XXXX XXXX XXXX credit card. At this time I am in a financial hardship which I have let them know however they constantly call XXXX times a day sometimes back to back. This morning ( XX/XX/XXXX ) at XXXX I answered the call and let them know I would be getting a lawyer involved and to please stop contacting me. At XXXX they again called back and previously at XXXX one that I did not answer. Yesterday XX/XX/XXXX they called XXXX times and before that on Sunday XX/XX/XXXX 4 times in one day, XXXX, XXXX, XXXX and XXXX. This has been happening for several weeks and I know the laws, they are not allowed to call more than XXXX times in a XXXX day period. There was one day XX/XX/XXXXXXXX  that they called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. That in one day is XXXX times, which is over the XXXX  times in a XXXX day period. This is beyond rediculous as I work several jobs and have children to tend to. I have all phone records to prove they are harrassing me on a daily basis by constantly calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: DC
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:
All this information on my credit report is incorrect XXXX ACCOUNT XXXX - {$64000.00} XXXX XXXX ACCOUNT XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX {$0.00} XXXX XXXX  XXXX ACCOUNT XXXX {$0.00} XXXX ACCOUNT XXXX {$0.00} XXXX XXXXXXXX. ACCOUNT XXXX {$0.00} XXXX ACCOUNT XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2023-05-23
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
The inquires are fraudulent and unortharized I have no clue as to why they are on my credit. Someone pretend to be me and tried to sign up for things. 

- XXXXXXXX XXXX XXXX  inquiry ; XX/XX/XXXX - XXXX XXXX XXXX  inquiry ; XX/XX/XXXX - XXXX inquiry ; XX/XX/XXXX navy federal credit union inquiry ; XXXX XXXX theses inquires are on both my XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not XXXX. 

Many customers are having this issue with this company as they are violating. They are reporting my account 30-59 days late and it is incorrect and both XXXX XXXX AND EXPERIAN, XXXX, XXXX IS REFUSING TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED XXXX IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.

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 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
Equifax mortgage services XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Mortgage Services XX/XX/XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
Equifax mortgage services XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Services XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX ( " XXXX '' ) Account number XXXX Reported inaccurate Dates on credit report, causing harm to my credit. I then sent a complaint to XXXX and will attach the response from 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 2022-12-09
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Several years ago me and my wife co-signed several student loans with Sallie Mae for our nephew XXXX XXXX. The loans were spread over XXXX years in excess of {$100000.00}. 
Shortly after he defaulted on the first payment, Sallie Mae began harassing me and my wife by placing robo-calls to both of our job sites. The robo-calls seemed to be happening every 15 minutes. My wife got in trouble at her job and I contacted Sallie Mae to avoid getting in trouble at my job. We lost all contact with the student ( primary borrower ) XXXX XXXX. 

While making the monthly payments, I contacted Sallie Mae and asked if they were still going after the primary borrower for collection. They said " no '', that once they have the cosigners paying they no longer persue the student for payment. So we were basically stuck with the entire student loan obligation based on how Sallie Mae does things. 

After paying for almost a year, Sallie Mae " jacked up '' the loan interest rate. Still having no contact with the student, we tried to refinance at a lower rate. This was very difficult in that most of the student loan refinancing companies will only deal with the primary borrower. We did eventually find one, XXXX XXXX, to refinance the {$100000.00} student loans. But now the loans are in our name and it looks like XXXX XXXX is " off the hook '' for any of the obligation even though he's the only one to benefit from these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: FlexShopper, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " flexshopper ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her XXXX. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. 
I've attempted to reach out to XXXX XXXX XXXX on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. 
I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX  to 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 2019-05-01
Company: Continental Finance Company, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I had a payment returned payment that I had made to Continental Finance aka XXXX. Once I realized the error, I made a payment of {$120.00} ( XX/XX/XXXX ) and {$80.00} ( XXXX ) to cover and then a regular payment of {$30.00} on XX/XX/XXXX. Today, when I looked at my account, my balance has increased from ~ {$500.00} ( on XX/XX/XXXX ) to {$600.00}. I have not used the card in months. 

I called the company around XX/XX/XXXX to inquire about the balance and what transactions make up the balance due. The customer service rep just kept saying I was past due and needed to pay {$120.00} asap. 

I have asked several times for a statement of charges/payments but they will not provide. When I look under statements online, it just says " no statement available ''. 

I can not figure out why my balance keeps increasing, although I am making payments. I realize there is a late charge and a returned check fee but I have paid {$230.00} over the last 2 months so I should be up to date. My current payment due is {$160.00} and I can't get the company to tell me why or what transactions have posted to my account. How is it that I continue to pay ( haven't used the card in 2 months ) but the balance keeps increasing?

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 2023-05-24
Company: KEYCORP
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: Information belongs to someone else

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX Email Address : XXXX You are in Direct Violation Of The Fair Credit Reporting Act ( Account Name & Number # ), had the violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these lates payment and update this account immediately as you are in direct violation of several law under the Fait Credit Reporting Act

Company response to consumer: Closed with explanation