BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
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:
XXXX 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 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Today XX/XX/2022 ; after reviewing my credit reports, I noticed INACCURACIES in the HARD INQUIRIES section of my XXXX and Transunion reports. I have attempted calling said bureaus and they have very long wait times and have taken over 30 days to respond by mail to my dispute of Inquires, also I'm upset the credit bureaus DO NOT have the correct spelling of my name. I will try to make it easy for XXXX, Transunion and XXXX by letting you know on CFPB which HARD INQUIRES do not belong to my profile. Please REMOVE XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ; I dispute and do not consent to these unauthorized " Hard Inquires ''. Additionally, under 15 USC 1681 I am suppose to have confidentiality ; These accounts on my report without PROOF of my consent is further violating my rights under 15 USC 1681 Section 604 A Section 2 : it also says the credit reporting agencies 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 non-monetary relief
Consumer complaint received 2022-12-11
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to schedule a payment for my Bjs XXXX XXXX that was due on XX/XX/2022, but the website was down. I contacted the company multiple times who assured me my payment was received and that my account was in good standing, but when I log in my account says past due. If I try to pay again the website will not let me as it has already been scheduled. I contacted them again on XX/XX/XXXX and XX/XX/XXXX and they still have not resolved this issue, despite it being on the news that their websites are down and they are charging consumers fines when the technical issue is on their end. 

Any assistance would be greatly appreciated as I have never missed a payment and am always timely with bills. 

Thank you sincerely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. 
( XXXXXXXX XXXX  XXXX XXXX Date opened XX/XX/2016 Balance {$6400.00} ).

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 2022-01-26
Company: Direct Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On Thursday XX/XX/2021 I received a text message from my aunt that direct recovery XXXX Robocalled her and left a automated message for a debt in my name Within a a half hour my mom called with the same message The only way anyone would know the three of us are related is because on XXXX its listed in family area- aunt and mother XXXX yrs old and havent lived with either of them for 20 plus years This company is clearly violating all sorts of privacy issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IL
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 urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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:
I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the Covid 19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Aargon Agency, Inc.
State: IL
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:
XXXX continues to report false information on my credit report. Attached is a screen shot of my credit profile. I have sent a copy of my drivers license, two utility bills, and a copy of my social with the correct address, phone number, and employer. XXXX continues to report addresses that I have never lived at, names I have never gone by, and accounts that do not belong to me. 

XXXX. 

Names : XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Aargon Collections XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$490.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - XXXX XXXX  - Highest balance {$100.00} Terms 1 Months On record until XX/XX/XXXX Account name XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$3500.00} Highest balance - Terms 36 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX At this time I am asking that XXXX do their due diligence and delete this from my credit report. XXXX allows creditors to exploit victims of fraud and continuously place fraudlent credit items on consumers credit reports. XXXX allows debt collection agencies to place fraudulent files on consumers credit reports and do not verify the debt. XXXX never mailed any verification information to me or anyone given permission to by me to accept any mail on my behalf. XXXX continues to cost me money by allowing creditors and collection agencies to put credit items on my file and do not verify those accounts. I XXXX XXXX XXXX maiden name : XXXX have never had an XXXX  account or an account with XXXX that the XXXX continues to allow to go on my credit file. This is fraud ... and XXXX have not and will continue to lie about investigating files that they never investigate. XXXX should be closed for there deceptive tactics.

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 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was over charged, {$99.00} at least five times. A reversal was supposed to happen my bank say the money already went back into my account. however they have no proof and I never seen the money back.

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 2020-01-06
Company: Certegy Holdings, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2019 XXXX XXXX in XXXX, AL. accepted a check in the amount of {$41.00} from an unknow person to me. This person presented an Alabama identification card and the XXXX XXXX employee accepted as satisfactory identification. The XXXX XXXX employee misread the identification card and substituted the number one [ 1 ] instead of the letter 'I ' that is used on Alabama identification cards. XXXX XXXX, { XXXX ] Alabama Law Enforce Agency drivers license fraud division investigated and determined the error had  occurred. 
XXXX XXXX XXXX XXXX, FL. XXXX recommends to merchants to not accept my person check. 
I have called Certegy multiple time, written 2 letters, given the XXXX XXXX XXXX XXXX  phone number, faxed the a copy of my drivers license. Certegy is not cooperative, unresponsive, they don't use e-mail and once I am able to get someone on the telephone they are a lower level employee that can not answer questions or make a decision. They want the checking account number and check number of the check in question, I have no clue because it was not my check, signature, name or account.

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 2018-01-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Shellpoint for a loan modification or alternatives to save my home from foreclosure. Since XX/XX/XXXX I have been providing all documents requested. On XX/XX/XXXX when calling in for an update, I was informed additional documents were needed. Those documents were faxed in and received by Shellpoint on XX/XX/XXXX per their confirmation but have not been reviewed as of yet because they are now stating that as of XX/XX/XXXX the review has been closed out. I do not understand how they can already close it out if the documents were sent less than 5 days later. In addition, I was never informed that there was any deadline for the documents. I am now facing a foreclosure sale on XX/XX/XXXX and out of options. How is this fair and ethical? If my information was being reviewed for a loan modification and there is a foreclosure sale the lender should postpone the sale while in this review process, however Shellpoint failed to do so as well. All my rights as a homeowner are being violated and I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The attached account were created without my knowledge and i would like them to be permanently deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was contacted by a representative of Portfolio Recovery Associates. I explained to them I was NOT interested in being involved with a payment program and would only be interested in doing a one time payment and that it would be marked " paid in full ''. We agreed on the amount of {$280.00} and the account was suppose to me marked paid in full. They took the payment on XX/XX/XXXX but it was marked as only a payment on my credit report just as I was lead to believe would not happen. When I called and tried to talk to them on XX/XX/XXXX about the situatuion they told me that they only mark it as paid in full with them but not on my credit report unless I pay them the full amount. That part was not disclosed to me when I agreed to pay them the {$280.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 received an alert of an account I do not recognize. 
The inquiry : XXXX  on XX/XX/2023 is fraudulent please delete 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 explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 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 2023-03-15
Company: EQUIFAX, INC.
State: MD
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.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name : 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 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  has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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:
The attached account were created without my knowledge and i would like them to be permanently deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Subject : Notice of Default and Opportunity to Cure REF : Dear XXXX, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. **1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.

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 2023-10-20
Company: Nelnet, Inc.
State: FL
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:
First month that I'm supposed to start back paying on my XXXX loans. 

Last week I opened the website to see when my payment would be due, and everything was fine ( showed me the payment due amount and due date ). 

Now that area has an error note and when I try to go into " Make Payment '' an error screen pops up. I have images of everything if needed ( including exactly why the error is occurring ). 

Every time I try to call it is > 2 hours. I have unsuccessfully spoken with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation