BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
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:
In accordance with the Fair Reporting Act Online Information System Account # ending in XXXX, XXXX XXXX XXXX Account # ending in XXXX, and XXXX XXXX  Account # ACCIL have violated my rights. 

15 U S.C 1681 Section 602A states that I have a right to privacy.

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.

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 2022-03-01
Company: Experian Information Solutions Inc.
State: CA
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 applied for a XXXX XXXX XXXX card which required a personal credit check. After being declined, I called to inquire as to what I could do for possible reconsideration. After speaking with the rep they reassured me that I would not get a hard inquiry as a result of my reconsideration inquiry. The next day I received another hard inquiry for the same card... so two inquiries for one card which is now having an unnecessary adverse effect on my credit report. In the end, I never received the card.

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 2023-05-18
Company: EQUIFAX, 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:
I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My loan with Nation Star has been going through a Deed in Lieu process for almost ten months now. I just singed the closing documents. for the address located at XXXX XXXX XXXX XXXX, TN XXXX. My credit report is showing that their are eleven missed payments. This needs to be corrected on my credit report immediately. Also, I keep trying to contact XXXX XXXX at Nation Star XXXX loan number XXXX she will not return any of my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Received a letter in late XXXX of 2021 from XXXX XXXX XXXX stating that my Macy 's credit card account has been placed in their office for collection of {$360.00}. This letter had no breakdown or invoice attached, no date purchased, what was purchased or what Macy 's store it was purchased from. This was difficult for me to understand, because that card had not been used by me for over two years and sat in a drawer at home, and for two year I have not receive any bill, phone call or email from Macy 's about money owed in the last two year till this letter. 
Called them and spoke to XXXX XXXX he told me the card has been closed by Macy 's since XXXX of last year and did not have information on the breakdown of charges. After that call I send a charges dispute letters to Macy 's. I then called Credit Control again of XX/XX/XXXX and spoke to a XXXX XXXX he said my account was sent to Department stores XXXX XXXX  ( XXXX ). So I called the Bank the next day and was connected to XXXX ( # XXXX ) He also could not give me any information on the date, time, place of the charges and what was purchased. He then advised me that due to my dispute letter, the account has been sent to a investigation team. 
I received a letter from the Macy 's Fraud Investigation Dept. on XX/XX/2021, stating the matter was being investigated, also that I was obligated to pay any bill not under this dispute ( I have no other charges because I never used the card in two years ) there letter also did not have any invoice breakdown. 
Received another letter from the Fraud Investigation Dept. on XX/XX/XXXX stating that they have completed their investigation and that I am to pay the full amount ( still no invoice with what was purchased, when, and what store, they also stated that if the bill is not paid the three credit reporting service would be notified.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
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'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 explanation
Consumer complaint received 2022-03-01
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Today XX/XX/2022, I called to EARLY WARNING SERVICES , LLC, in order to get the result of AN INVESTIGATION THAT XXXX BANK OPENED WITH THIS COMPANY. This investigation began on XX/XX/2022, AND THE RESULT WAS SET TO BE ANSWERED ON XX/XX/2022, AFTER ONE MONTH OF INVESTIGATION. I called today to hear THE RESULT OF THE INVESTIGATION OPENED ON XX/XX/2022, AND THE AGENT XXXX, EMPLOYEE # XXXX TOLD ME THAT EARLY WARNING SERVICES WAS NOT GOING TO GIVE ME ANY ANSWER UNTIL I RECEIVE SOME ENVELOPES THAT EARLY WARNING SERVICES SENT ME SOME WEEKS AGO AND I RETURNED THEM TO THE SENDER. THIS COMPANY IS COMMITTING A RETALIATION CRIME AGAINST MY PERSON BECAUSE I DO NOT WANT TO RECEIVE THEIR UNEXPECTED MAILS. EARLY WARNING SERVICES IN VIOLATING MY CIVIL RIGHTS REJECTING TO PROVIDE THE ANSWER OF AN INVESTIGATION. THIS INVESTIGATION IS ABOUT A HARD INQUIRY POSTED IN MY PROFILE IN A FRAUDULENT WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Synovus Bank
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: Account status incorrect

Complaint:
In XXXX of 2023 I filed for a First Progress card via Synovus bank. The card was received and never activated, therefore there should have been no activation fee charged. I recently filed for a loan pre qualification and was denied, upon investigation I discovered a delinquency from First Progress showing I have failed to pay an activation fee for a card I never activated. I called First Progress today ( XX/XX/XXXX ) to resolve this issue and customer services tried to inform me I have to send in a request to remove the charges via a handwritten letter sent to a po box XXXX They claim mail is the only way to resolve this issue. But its 2023 and everyone uses online banking Im not sure why I would need to pay an activation fee for a card/account that is not active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This company is very deceptive. I will be changing banks because of their deceptive behavior. Today I placed an order for merchant XXXX  at XXXXXXXX XXXX ET for {$88.00}. Before the transaction my balance was {$430.00} and now is {$340.00}. The transaction was cancelled by merchant due to system issue and the pending status of transaction at Chime disappeared but never credited back the {$88.00}. only way to contact their ridiculous customer service is via chat and got overseas XXXX who said nothing she could do. I want my {$88.00} put back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been paying on this 4k loan since XXXX, They have received over 25k in payments from this loan. I tried contacting them, but not getting clear answers of why. I had this both loans added to my XXXX bankruptcy and discharged, but they still continue to bill me and ignore the paperwork, because I work for XXXX and was going through a clearance process I had to pay them. I have been monitoring my payments even increased the payments. I notice within the past 6 month the interest payment goes up and down. The loan was taken out in XXXX for a school that longer exist XXXX XXXX XXXX. They have gotten 40k off of a 4k loan and I still owe them an additional 6K. Whenever I get momentum they move the mark by increasing the interest rate. Just seeking guidance. This may be my 3rd complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
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. 

Account Name : XXXX XXXX  Account 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: In progress
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: MI
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:
These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX Verify- XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Convergent Resources, Inc.
State: IN
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 have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX  and I only request to remove the inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
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 status incorrect

Complaint:
1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.

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 2023-09-05
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: Old information reappears or never goes away

Complaint:
I have, on copious occassions, contacted XXXX to determine the best method of resolving my debt with the focus of removing the information from my credit report. I wanted to pay in full so I could return back to school but postponed my return to school, due to the promise that making small monthly payments for 9 months would allow the information to be deleted from my credit reports. When that did not happen, I was informed that the information would be removed in 7 years from the first delinquency which was XX/XX/XXXX. I was given a date of XX/XX/XXXX. I waited.The information was not removed in XX/XX/XXXX. I disputed the information through Equifax multiple times and each time, XXXX responded disrespectufly quickly. They updated the delinquency date to XX/XX/XXXX, continue to report the negative information, and refuse to provide any proof as to why. I dropped out of school in the XXXX  of XXXX ( the term for which the loan was provided ). I have proof of this in the form of a transcript with all XXXX My federal loans would've been due and deliquent ( since I did not pay ) in XX/XX/XXXX. The loan was paid in full in XXXX. They have no reason to continue reporting negative information on a paid in full XXXX  loan 7 years and 4 months after the first delinquency date of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting 50 act, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-06-20
Company: FinCo Services Inc DBA Current
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/11 a transaction in the amount of XXXX was taken from my account from a XXXX XXXX PAYMENT I immediately called and chat with customer service and they initiated a dispute claim. After 45 days I received an email stating that my dispute was denied and they found no error. I bank with CURRENT CARD and they did not send an explanation why or even provide a provisional credit to my account. I was a victim of fraud and I have no clue how and CURRENT CARD will not return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
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 fraud alerts or security freezes

Complaint:
I attempted to freeze my credit report with Experian today. I first registered with their website, and the process included verifying my identity. I was able to do this successfully and access my credit report. However, there was no way to " freeze '' my credit from within the account, only to PAY to " lock '' credit. Through an internet search, I found a separate location on www.experian.com, outside of my " Experian account '', where I could submit a " freeze '' request. I entered the same identifying information that Experian accepted just moments earlier for me to establish my account, yet my request was denied and I was asked to send information by mail. Clearly, they are hoping users pay to " lock '' credit rather than using the free credit freeze. 
I strongly suspect that this is a deliberate attempt by Experian to prevent consumers from freezing their credit as the law allows.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Inquiries appeared on my credit report from companies that I do not recognize, or did not authorize to receive 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 non-monetary relief
Consumer complaint received 2021-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently released from Florida Department of Corrections after being XXXX  for XXXX years and XXXX months. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from XXXX XXXX which had been sold to Portfolio Recovery due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in XXXX we did not have access to the internet. I have proof that I was XXXX  the entire time. I called Portofolio Recovery on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with XXXX XXXX being that I was in prison for XXXX  years and XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt they are also reporting to different account numbers and as a collection account but as an open account, there are a lot of discrepancies with this reporting and according to the FCRA all reporting must be XXXX XXXX accurate, XXXX XXXX verifiable, XXXX XXXX complete.

Company response to consumer: Closed with explanation