BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to dispute the following information on my credit file. I recently reviewed a copy of my credit report. The credit report showed credit inquiries that I did not authorized. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I authorized it in writing. Please have these inquiries removed from my credit file immediately. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of these the aforementioned permissible 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 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 2020-03-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called navient in the wake of coronavirus epidemic. My XXXX XXXX is closed for 2 weeks as per the american XXXX association, so I have no income. I am XXXX XXXX, so no unemployment insurance. 
I understand federal loans are waiving interest. Navient will not offer any programs other than forbearance - so defer and then capitalize interest when this is over! 
There is no relief, very unfair during a crisis. 
Pushing people into forbearance will only delay the bigger issue - heavy interest. 
They keep responding to my complaints with corporate padding answers, no legitimate solution. 
What about the rest of the millions of students with loans. 
We need a class action suit against Navient lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.

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 2023-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Received email that my information was used to open a Bank of America account. ( XX/XX/XXXX ). Contacted BOA and notified them of fraudulent activity. Investigation occured. Received notice XX/XX/XXXX that investigation was concluded and that issue was resolved. Recommended i freeze credit and banking via credit unions and XXXX. ( completed ). 

However, i still receive bank statements from BOA even after i requested ( XXXX ) them to close the account because it was fraudulent. While Bank of America continues to give me verbal assurance- i still receive bank statements.

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 2020-03-19
Company: National Business Factors
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I submit a debt validation request dated Monday, XX/XX/2020 and did not receive a letter back from NBF until XX/XX/2020. In the letter it only states they spoke to their client and their client is not a contracted provider with my insurance. This answered few if any of the requests in the debt validation request dated Monday, XX/XX/2020. In addition, I started receiving phone calls from them on XX/XX/2020 and per my understanding it is a violation of the collection practices act for a debt collector to fail to respond to a verification letter. I completed additional investigation and found multiple complaints and lawsuits against NBF for similar circumstances, please see below for sources : XXXX XXXX XXXX : XXXX : XXXX Roth Et Al V. National Business Factors Inc. of Nevada XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: SinglePoint GI
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice on XX/XX/XXXX from this company with several violations that I cited on the notice. On XX/XX/XXXX I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). On the communication sent via mail from this company pursuant to 15 USC 1692g ( 4 ) and 15 USC 1692g ( 3 ) I did not receive notice that I have the right to dispute this debt. This company also seems to have committed identity theft due to myself never doing business with them or giving them my location information about this matter and also purchasing my information concerning me as a consumer in order to collect on a debt which according to 15 USC 1692e ( 10 ) is also a violation. Having to deal with this has literally caused me mental anguish and stress. I have attached documentation that I have sent to this company concerning this matter certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE BEEN FIGHTING WITH THIS COMPANY FOR YEARS FOR REPORTING FRAUD ON MY REPORT AND INCORRECT INFORMATION SINCE 2019

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 2020-03-19
Company: Eagle Accounts Group, 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:
I checked my credit monitoring services and i noticed some unfamiliar accounts that I believe to be fraudulent on my profile. I would like these account removed as soon as possible.

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 2020-03-19
Company: MONEY SOURCE, INC., THE
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the Carona Virus my husband 's XXXX  is closed. I called our Mortgage company, TMS, and spoke with a supervisor today, XX/XX/XXXX. I made her aware of our financial problems. She said her company does not have anything in place right now to help homeowners. I sent an email to the company on XX/XX/XXXX with no reply. The Governor of KS, the state we live in has passed a law that mortgage lenders are landlords can not foreclose or evict for the next 90 days. I have already paid XXXX but will not be able to pay XXXX and am unsure of being able to pay in the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: NEW CITY FUNDING CORP.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2019 I went to XXXX XXXX auto dealership, to find a vehicle, I applied on their application, they referred me to New City Funding for a loan, for the purchase of the vehicle, I was instructed to give. a {$3000.00} down payment for the vehicle, so I did, as we were going through the retail installment contract, I was instructed to initial certain areas not understanding what they mean all I knew was Im getting my car, after finally paying off the loan, I started to study new material, thus me learning that any dealership asking for a down payment in a consumer transaction is illegal along with a list of violations according to the truth and lending act. 

I was never given full disclosure that I had the right to rescind the contract which I have done, certified mail, with a copy of the contract, which is marked up with the USC violations and fines I have given them 20 days to respond and havent received any knowledge on the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX & XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX  account ending # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending in # XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also 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 2023-03-04
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: Account information incorrect

Complaint:
Upon reviewing my credit report. I noticed that these credit agencies were falsely reporting on my credit profile. 
I tried contacting XXXX, XXXX & TransUnion consumer solutions. But didnt receive an answer. I sent out letters on XX/XX/XXXX & still havent received anything back. On my credit report, I see that my XXXX XXXX has a past due 30 days late on XX/XX/XXXX. I have never paid my account late and I asked them to update the account to paid as agreed. According to 15 U.S. Code & 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Anything thats Not being reported correctly must be adjusted to the correct status. Please help me with this convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to CORRECT a portion of the data in my credit file, yet I have some accounts passed on that should be investigated. Per FCRA you are expected to correct and update these accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 2023-01-04
Company: Maximus Education, LLC dba Aidvantage
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:
When XXXX was handling my loans, I was told I was being put on an income based payment plan in XXXX until XXXX. Speaking with Aidvantage, who is now handling all XXXX clients, they have no documentation that I was ever on an income based loan. 

The monthly payments I was told to make by XXXX ( ~ {$370.00} per month ) were not even paying off my interest in full there for making my loan skyrocket over the years. 

Looking at my history, my loans started at $ XXXX and I paid of $ XXXX, but now Aidvantage is showing I owe $ XXXX since my monthly payment in which XXXX directed me towards were not paying off any of the principal within my loans. 

XXXX misguided me and apparently told me I was paying an income based loan, but Aidvantage is seeing otherwise. 

Now because of XXXX 's mismanagement of my loans, I have a loan bigger than I started with even when I paid off half of the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 40 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated

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 2023-03-12
Company: LEXISNEXIS
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:
On XX/XX/2023 I Submitted a complaint to you all regarding Lexis Nexis reporting my XXXXr XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( XXXX, XXXX, XXXX ). Lexis Nexis followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the chapter XXXX bankruptcy information was not removed and Lexis Nexis did not complete the demands stated. They actually did nothing. I am at Witts end with Lexis Nexis. Lexis Nexis has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. Lexis Nexis, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX  WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. XXXX, XXXX, and XXXX all obtained this information illegally from Lexis Nexis under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Square Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had my car broken into while I was out on quick jog. My wallet was under my seat, but the theft broken my window of my car and snagged my wallet. While I was out on the run, they ran to and used my card at various places. I was able to get my funds back, except for with Square that has provided me with poor customer service. They have closed the case, even though it was still in the " investigative process. '' I have supplied them with a police report, documentation, photos, evidence, and approximate time that the theft used my Square card in person at XXXX and XXXX XXXX. They went to the store all within a matter a XXXX min and used whatever they could during that time, this shows and reflects on my account. As of right now, the fraud charges have ruled in " favor of the merchant. '' However, I couldn't get them to confirm or explain to me why it wasn't ruled in my favor. Unfortunately, I can not get them to confirm the police report # I sent month ago, as that claim has ended. The only way to communicate with them is via email and when I respond to that email thread, it said the case was closed due to a 2 week inactivity even though the Square representative told me that it can take up to 45 days for the review process of fraud charges. As of right now, I do not think they actually used the evidence I sent them and it was not represented well on my behalf. I am extremely disappointed in how Square is handling this and I believe that they are not following the legal process. 


Here is the email thread from before : Hello, Thanks for the email! Please see pictures attached of car break in! The two transactions that are fraudulent are : XXXX XXXX XXXX {$51.00} XXXX {$180.00} Please let me know when this information has been received and is being processed. As well as the timeline to get a refund on these items. 

XXXX XXXX sent on XX/XX/21 with photos attached, police reports, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer {$3000.00} from shop your way XXXX XXXX bank to pay off {$3000.00} priceline credit card by barclays almost 45days ago. I contacted both XXXX and barclay. XXXX said they paid off the balance and barclays said they never recieved any funds. I will attach the email. 

XX/XX/XXXX Hello, I applied and was granted a balance transfer almost 3 weeks ago. I called on day 11 and was assured that everything was ok. I now owe XXXX on 2 cards. The previous one that has not been paid off and now XXXX shop your way. If it doesn t go through can you please cancel the request free of charge and/or put my balance back to zero? 

Response from XXXX XXXX XX/XX/XXXX We are responding to your inquiry regarding the balance transfer. 

Our records indicate a check payment was mailed to Barclays on XX/XX/XXXX in the amount of {$3000.00}. The check was cashed by the payee on XX/XX/XXXX. If the funds has not been applied to your account, you may request for a printed copy of the balance transfer check. Once you had received the copy of the balance transfer check, you may provide the payee with the proof of payment so they may open an investigation. 

Response from XXXX barclays XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX am Thank you for contacting us regarding your XXXX rewards Visa card. We can certainly address your inquiry regarding the payment that is not posted to your account. 
We apologize for the inconvenience this may have caused you. Upon review of your account, we do not show that a payment in the amount of {$3000.00} has been received as of today, XX/XX/XXXX. In order to further assist you and to help us resolve the issue, please reply to this message with the following information : Payment amount External bank routing number External bank account Payment method Date check cashed/funds taken Bank the funds were withdrawn from A copy of the front and back of the cashed check or money order should be faxed or mailed to : Fax : XXXX Customer Care XXXX XXXX XXXX XXXX, DE XXXX I forwarded this email to XXXX and did not get a reply. So now I owe XXXX on both cards plus a {$150.00} transfer fee while both are denying responsibility.

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