BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Barclays unexpectedly closed my account in XXXX and put my account into collection. They said to pay off the closed account which I paid down to XXXX of the XXXX balance. I then had some hardship and told Barclays I couldnt make the payments. During that time they increased the interest on my account and charged late fees that increased the balance to XXXX. This was very strange as a closed account was still accusing fee and interest. I since had made numerous phone calls to Barclays to correct the amount due. They have taken my name and phone number and have yet to call me or respond to my inquiry on settling the balance. Theyve instead charged off my account which has negatively affected my credit making it difficult to obtain any reputable credit lines. They are a bully. They offered me a card then blacklist me. Not only that but they refuse to speak with me or to rectify my account balance. Since they have been charging me fees while my account was closed this will stay on my credit report for an additional XXXX years.

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 2022-12-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
card was opened in my name i am a victem of idenity theft

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 2020-01-13
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:
I WAS MADE AWARE OF A FEW ACCOUNTS ON MY CREDIT REPORT THAT I NEVER OPENED ; I FOUND OUT TODAY XX/XX/2020 WHEN I WAS DENIED FROM LEASING A CAR AT XXXX DUE TO HAVING POOR CREDIT. I WAS CONFUSED WHEN THEY TOLD ME I DIDNT QUALIFY BECAUSE OF MY CREDIT SINCE I HAVE ALWAYS MAINTAINED A GOOD CREDIT REPUTATION. WHEN I LOOKED THROUGH MY REPORT, I IMMEDIATELY NOTICED THAT NONE OF THOSE ACCOUNTS WERE OPENED BY ME. AFTER DOING MORE RESEARCH, I FOUND OUT THAT THESE ACCOUNTS BELONG TO SOMEONE NAMED XXXX XXXX. I DON'T KNOW WHO THAT PERSON IS NOR DID I GIVE HIM/HER PERMISSION TO OPEN THESE ACCOUNTS IN MY NAME. I HAVE ALREADY FILED A POLICE REPORT REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT BENEFIT ANYTHING FROM THESE ACCOUNTS NOR DID I EVER MAKE ANY PAYMENTS OR TRANSACTIONS USING ANY OF THOSE ACCOUNTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
These are outages fees and we have to use B of America because they made a deal with XXXX. I bet theres a huge kick back setup here that someones making. Please help!

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 2015-04-23
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is being serviced by Green Tree Services, LLC. They have continually lost our documents. Currently, they offered us a loan modification AFTER making our three trial payments. They would not disclose the details of the modification until AFTER making the three trial payments. When we did receive the details of the loan modification they proposed, it was not a HAMP modification from XXXX, but what they describe as an " in-house loan modification ''. The interest rate they want to assign to their in-house modification is ( 4.5 % ) and is higher than the previous interest ( 3.5 % ) rate we had when XXXX XXXX XXXX was servicing the loan but they refuse to acknowledge this, even though we have the documents to prove otherwise. Green Tree also does not have our income documents since they continually state they did not receive them or we did n't get it to them on time, which is not the case as we have always provided them this info within a week or two of their requests. In addition to the interest rate concern, they are not allowing us to get qualified for a true HAMP modification because they do not apply our income information that they say they never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Navy Federal Credit Union apparently has sued me and is now trying to ask the court to garnish my wages. I have disputed this account because there are fraudulent charges that were made on this account, and it is not fair and illegal to not investigate and ask me to pay the bill. Please allow me the due diligence to dispute these items. Please resend me any and all transactions associated with this account, via email and USPS mail or respond back to this complaint with all charges. 
Court Case is Docket # Docket # XXXX. 
I have also contacted the Law firm that is representing Navy Federal Credit Union and the law Firm is Named, XXXX , XXXX XXXX XXXX XXXX , XXXX . and I have contacted them via email @ XXXX in reference to this Docket # and XXXX Responded back via email that I need to contact Navy Federal Credit Union in which I have been requesting information. So again it is not fair and illegal that a company can sue me AND deduct money from my paycheck without allowing me to dispute this or have this issue investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXXAccount Name : XXXX XXXX Account # XXXX Account name : XXXX account number # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well i have dispute as fraud with police reports and nothing has been done now we have to go by the law i have a consumer law attorney as well under 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block I asked that you comply within the timeframe To refrain from a lawsuit

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 2022-02-21
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are four ( XXXX ) homeowners insurance policies attached to my property, which has TWO houses on the parcel : ( XXXX ) homeowner 's policy for the main/front house ( XXXX ) earthquake policy for the main/front house XXXX XXXX XXXX homeowner 's policy to the guest house ( XXXX ) earthquake policy for the guest house. 
All of these insurance policies are with XXXX XXXX, which also pays the California XXXX XXXX ( XXXX ) for the earthquake policies. 
In the 28 years I've owned my home, every loan servicer has paid all 4 policies on time, every time, when they are due in XXXX. 
When I refinanced my mortgage with United Wholesale Mortgage ( UWM ) in XX/XX/2021, UWM was given all 4 policies by my mortgage broker and my XXXX XXXX agent. UWM only impounded the homeowner 's policy for the main house. UWM has a portal in which to send messages and to upload the additional policies, which I need to have impounded so that I have stability in my monthly payments. Their portal wouldn't allow me to upload the documents. I called their Customer Service in XXXX AND XXXX. I was given a fax number and told to have my insurance agent fax the policies to UWM. My XXXX XXXX agent 's office has done this at least 3 times now. On the 2nd call I made to UWM Customer Service, I was told UWM doesn't impound earthquake policies because they're not home insurance. Yes they are ; these policies pay me if there is damage to my property as a result of an earthquake event. 
With great effort, I finally got UWM to add the homeowner 's policy for the guest house with the assistance of my mortgage broker ; however, they haven't adjusted my monthly mortgage yet. But UWM refuses to add my earthquake policies because they insist these are not part of homeowners ' insurance. 
Again, every single loan servicer has always impounded and paid these 4 insurance policies. I really need help from CFPB because UWM isn't being cooperative and providing the service I deserve and have always received from previous loan servicers. I'm a senior citizen too, so this is even more distressful to me. I can't afford to pay {$3000.00} for the earthquake policies in XXXX that haven't been impounded because the impounding helps me with monthly budgeting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am a tax ID holder, and I do have credit established here in the US, 1. XXXX  : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to XXXX  or Equifax. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and Equifax about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. 

2.XXXX  : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. 

3. Equifax : I have online access to the free report every month, called my Equifax, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. 

4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX 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 2023-08-10
Company: PENTAGON FEDERAL CREDIT UNION
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:
still reporting wrong should be discharged though bankrupcy from penfed 3 accounts. If not fix i am going though legal action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2022-02-21
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:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A THIRD PARTY OR AGENCY. I have already sent Experian written instructions to remove accounts off my credit file because I never gave them permission to furnish the report pursuant to TITLE 15 USC 1681b. They have failed to comply and adhere to my consumer rights. How is it that these credit reporting agencies are able to verify anything without being present during the alleged transactions? The CFPB is supposedly established to help the consumer in these situations. Please do your job and get the positive results I want. There shouldnt be any reason why when I confront a credit reporting agency and show them the code that shows how they are violating my rights that the violation shouldnt be cured immediately.

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 2023-03-01
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX cancelled my policy due to non payment in XX/XX/XXXX. I purchased a Policy through XXXX XXXX XX/XX/XXXX. Later in XX/XX/XXXX a salesman at XXXX XXXX called despite my requests to cancel he renewed my policy and proceeded to get a commission by forcing this policy on me. I have been insured through XXXX since and I don't want to pay for a service that was never provided. Now this collection agency is claiming I owe XXXX {$390.00} for an insurance policy that I thought was cancelled and was covered through XXXX XXXX. They refuse to remove the debt, they keep re-posting and re-aging this debt as new and are ruining my credit. I am on the verge of homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IL
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:
None of my credit accounts on my credit report match. 

The credit bureaus stated all of my information on my credit report is accurate and verified. 
How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. 
I have attached my credit report below. Equifax isnt even reporting on here but i have my equifax report. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! 

The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts. 

This is all according to the FCRA XXXX account # XXXX The bureaus had 60 days to fix this and by law they had tO fix this within 30 days. I have all the documentation I need to come after the bureaus. I already am in a lawsuit with equifax, and i will come after XXXX and XXXX. The bureaus did nothing to fix this and i'm not waiting any longer. 

Please see attachments below : ALL OF THESE ACCOUNTS NEED TO BE DELETED WITHIN THE NEXT 14 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: AL
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 obtained a copy of my Experian, XXXX, and XXXX credit reports on XX/XX/2023, and noticed I have several hard inquiries that I did not authorize. I contacted the bureaus and was told to send a letter in writing, which I did, but the inquiries have yet to be removed.

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