BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: PNC Bank N.A.
State: IL
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:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. PNC XXXX XXXX XXXX XXXX XXXX violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: SC
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 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 2023-07-18
Company: EQUIFAX, INC.
State: NE
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2021-08-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid the remaining balance on our XXXX XXXX XXXX off ( Comenity Bank ). Mine was {$200.00} and my husband 's was {$710.00}. The following month, we got new statements showing {$0.00} balances. However, they were charging me {$1.00} in interest and my husband {$4.00} in interest ( on XXXX balance ). I called as soon as we got the statements and was told the interest was carry over. She took my balance down to XXXX  and we closed our accounts, but she said she could not remove the {$4.00} on my husband 's statement. We then got a new statement showing he now owes {$9.00}. I called on XX/XX/XXXX and was disconnected twice after explaining my complaint and was told because the account was closed, they could not help. The third time I called I asked for a supervisor and again explained the situation. He stated that because I did not pay it off in XXXX, there was a fee that showed up on the next statement. I replied that the next statement was the one I paid in full and there should be no more fees. I told him even though it was only {$4.00}, it's the principal and that these fees could continue forever and it's quite a racket. He said it is completely legal and those fees would not be removed! I said I would take it all the way up to the president of XXXX, to which he replied, who do you think implimented it ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: WA
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 disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me.

Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Navient Solutions, LLC.
State: MI
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:
The auto pay feature of the website is limited to the minimum payment amount. This seems like a deceptive business practice that encourages a maximum repayment schedule with maximum interest paid by the borrower. 

This is what the online help documentation says about the repayment : Select Auto Pay in the navigation menu to enroll. 

Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay.

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

Complaint:
I am a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-07-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX and acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: Credit Protection Association, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Orginated from a gas bill from XXXX XXXX XXXX XXXX XXXX   XXXX ( XXXX ) for a rental property. Property manager failed to pay or notify me. When I learned of the situation, I immediately contacted XXXX and the debt collection company. XXXX provided proof of payment for me to send to collection company. I've notified the collection company and tried to dispute via XXXX, but company keeps saying debt not paid. This is adversely impacted my credit score and ability to get a fair interest rate ( recent car purchase, rate was higher to do this ).

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 2022-01-06
Company: EQUIFAX, 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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Aqua Finance, 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: Reporting company used your report improperly

Complaint:
This account was opened by another individual while this company established an account fraudulently in my name because the address is the same. The lending institution then sold the account to another institution and closed the account, showing paid in full only to report the debt on my credit as late after 36 months of being closed. This is unfair practices based on several different reasons as I do not have access to the original account or the current account as it is not my debt nor have I ever paid any payments or received any benefit or item for the debt listed. Please advise on resolution to this problem and make whatever changes to correct my credit reports to reflect my otherwise good standing as I have no missed or late payments on any account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Factual Data and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

FACTUAL DATA XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank advertises this offer open online checking account. It is still on their website. 

OPEN NEW ACCOUNT Open a new checking account in an eligible account package from XX/XX/XXXX to XX/XX/XXXX. 
FUND YOUR ACCOUNT Deposit New-to-Citibank Funds into your new checking account within 20 days of account opening. The balance on your 20th day will determine your maximum eligible cash bonus.

MAINTAIN YOUR BALANCE Maintain the required Minimum Balance in your eligible account for an additional 60 days from the 21st day.

The cash bonus will be deposited to your open, eligible checking account within 30 calendar days after you complete all required activities. 

1. I opened account on XX/XX/XXXX and deposited XXXX XXXX. I maintained balance for 21 days + 60 days which is XX/XX/XXXX XXXX. The cash bonus was to be deposited in my account on XX/XX/XXXX which is 30 days AFTER I satisfied all the conditions on XX/XX/XXXX. 

I learnt their INTERNAL documentation says 90 DAYS after satisfaction of conditions the bonus to be deposited. THIS IS MISLEADING ADVERTISING TO CONSUMERS. 

I have STILL not received it on XX/XX/XXXX after contacting and complaining to them several times. I've attached a chat log to this complaint as well. 

I am told I will get it by XX/XX/XXXX which is NOT what their OFFER says.

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 monetary relief
Consumer complaint received 2023-05-21
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX I applied for PSLF for discharge of XXXX of loans. The application sat until MOHELA picked up until XX/XX/XXXX. I submitted 19 years of employment as a XXXX. The application was returned for a wet signature in XXXX but turned around in 1 day back to MOHELA where it sat until XX/XX/XXXX. No action took place to payment tracker no payment counts entered. After a complaint a tracker was added at the end of XX/XX/XXXX. The tracker sat on XXXX payments for 90 more days and was updated to XX/XX/XXXX payments in XX/XX/XXXX. EI talked to multiple representatives during the process all who had no idea what was happening promising I would surely have discharged loams by XX/XX/XXXX each time I was saying I am retiring in XX/XX/XXXX. In XXXX and XX/XX/XXXX I asked why my loans were only being eligible from XXXX when PSLF goes back to XXXX. Nothing happened in XXXX I called back XX/XX/XXXX asked the same question asking for an answer as XX/XX/XXXX retirement was approaching. I was told the rep could see my request from XX/XX/XXXX but it was canceled since it wasn't the right request and no notification to me. The rep put in a new request with a case number of XXXX. As of XX/XX/XXXX no communication and onw MOHELA out to retire, MOHELA has had months to get my loans forgiven and are causing harm to me as I am now retiring without the loans being forgiven. I have spent endless hours on the phone with multiple reps with multiple answers with misinformation. I need immediate help as this is the last week I have an eligible employer. I reached out to US Department of Ed XX/XX/XXXX no response yet. I am XXXX XXXX XXXX and widowed. MOHELA has had more than adequate time to discharge the loans and this is a due process issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: PROVIDENT FUNDING ASSOCIATES
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off XXXX XXXX XXXX  XXXX XXXX Ca. in XX/XX/XXXX. Of the remaining payoff funds- XXXX. XXXX was paid to escrow, which had a balance of XXXX and tax and insurance paid in full, a corporate advance from escrow of XXXX and an escrow refund of XXXX to me. Yes in XXXX after a major injury we went into pre forclosure but dumped IRAs to pay all the fees and costs and back payments in one lump XXXX sum so the home never foreclosed. We have been in good standing since XXXX. I felt helpless and railroaded in XXXX and I feel helpless and cheated now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXXXXXX 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 2021-08-31
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation