BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: FL
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. 

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 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 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 2019-07-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX while shopping, I applied for an XXXX XXXX, entered all of my personal information and was approved and received an approval for {$3000.00} all while logged into XXXX 's site but was not provided the new account number. Additionally, the approval page stated I would receive my card in 10 days. 
Yesterday, XX/XX/XXXX, I received an email that my new XXXX XXXX card was undeliverable, that the address was incorrect, the email contained a link to call directly, which I did not use. I have been an active XXXX and XXXX customer since XXXX and only my telephone number and last name due to marriage 17 years ago have changed over the last 19. 
Something with this email just didn't look right so as Synchrony Bank underwrites the XXXX XXXX and I have other accounts with them, I called today XX/XX/XXXX at XXXX XXXX at XXXX to look into further, the system identified me with the last 4 of my SSN # and gave me the information that this eBay account had a {$300.00} available credit line, not the {$3000.00} I was shown approval for with the last 2 digits of the new account # as " XXXX ''. 
I keyed further through the prompts and spoke with a customer service requesting that as the card has not been received and due to the " bait & switch '' on the credit line to cancel the account. She advised that I entered the wrong address on the application ( huh? ) She said she could not cancel the card without more information and continue to press for it- that she needed EVERY piece of my information in order to look up my account and then close the account, birthdate, last 4 of SSN #, address and middle initial. I then advised her that I have other accounts with Synchrony, that something was VERY wrong, that I was ending the call and filing a direct complaint.

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 2023-07-31
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
someone opened a account in my name it wasnt me

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 2023-04-25
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid into my escrow account monthly so that my Home Owner 's Insurance would be paid " hassle free '' every year by my mortgage company. 
On XX/XX/XXXX BSI Financial wrote and mailed a check to XXXX XXXX XXXXXXXX XXXX for XXXX. I assumed the check paid the annual premium and all would be well. 
I checked my Escrow balance and the XXXX had indeed been deducted, so again, I reasoned that the Insurance Premium had been paid. 
XX/XX/XXXX, I received a notice of non payment from XXXX. So, I called BSI who said the check had accidentally been sent to the wrong department, but would be reissued promptly. 
XX/XX/XXXX, I received another notice of non payment from XXXX. Again I called BSI who assured me the check was on the way. 
XXXX agreed to keep the policy active while waiting for the check. 
BSI kept insisting the check had been cashed. I asked for a front and back copy of the cashed check to provide to XXXX ( this request was initially denied ) Inevitably, XX/XX/XXXX my insurance agent informed me that my homeowner 's insurance policy had been cancelled due to nonpayment. 
I called BSI Financial who provided a check # XXXX showing that the check was paid. The ball pings back to XXXX. I call XXXX and provide the check details and the front and back check copy. XXXX informs me that they never received the check. XXXX 's endorsement stamp is not signed on the back of the check. Someone wrote their name on the back of the check. So the ball pings back to BSI. I called and asked BSI to investigate who's bank account the funds went to and to please help me recover the missing funds. ( Obviously, I did not write a personal check, so I have no authority to call BSI 's bank and report a fraudulent check and request the funds to be recovered. ) BSI insists that XXXX is responsible because BSI mailed the check to XXXX. XXXX XXXX, also points out that the check has no notes in the memo section to include a policy number or policy holder name. The check looks very shady. XXXX insists they never received, much less cashed, the check. Now, BSI has the responsibility to follow up and ask the bank to recover the funds if the check was fraudulently cashed. I am stuck in the middle. I now have $ XXXX missing from my escrow account and a cancelled home owner 's insurance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NY
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. 

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 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 non-monetary relief
Consumer complaint received 2017-10-05
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I mailed Americollect a certified letter for debt validation and XXXX validation They sent me a print out with no date of birth, no last XXXX or any other identity makers, other than my name and address. 

They alleged bill states " XXXX of abdomen '', first, I 've never had an " XXXX of abdomen '' and I know this because the only body part " XXXX '' is done on is the XXXX, to check for blood flow and regurgitation back into the chambers. 

The bill is fraudulent and so are the charges, I will be reporting Americollect and XXXX XXXX XXXX the BBB And XXXX for fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
My XXXX XXXX commercial banking account had suspicious activity, so I know that the Capital One visa account was also at risk of suspicious account activity. I requested a new card issued through the mail. Capitol One reported on XX/XX/XXXX an inaccurate balance. After I had already made a fraud alert on XX/XX/XXXX. I paid in full the current balance of {$3000.00} on XX/XX/XXXX. XXXX deducted XXXX points ( credit score went down XXXX ) since XX/XX/XXXX. Not fair treatment, it exposes bias in class differences because if I were anyone else in another income bracket... I am sure they would have offered better treatment. My credit utilization on that card is 0 % and not the reported 102 %. I would like my credit information updated and my credit score points restored by XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account without reason. My money is locked in the account. I have tried to contact them about this and can not get through. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Monday the XXXX I sent MRS a dispute. Disputing the charges they claim to be trying to collect of {$2800.00} cents. And asked that they stopped calling me and emailing me until they mail a letter showing proof that I, XXXX XXXX XXXX, owe the debt that they claim I owe. Doing so I asked them to stop trying to collect, as well as to not report said debt to the credit agency 's as I do not own said debt. If they were to keep emailing and calling me, which they have been doing while I am at work. That they would be in violation of FDCPA. 
Today XX/XX/2022, they called me again to collect this debt, that has been disputed formally. I am requesting all debt collection to top and the debt that I'm being accused of owing, to be terminated from my record all together. As they are now in violation of FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I obtained a private loan to attend XXXX XXXX XXXX for an XXXX XXXX in XXXX XXXX. During the first semester at that school, they announced that they would not be issuing a degree at graduation but instead, it changed to a certificate and they would assist students in finding employment. I withdrew after learning that they were aware that students would not receive degrees before my enrolment and failed to disclose this information to me. My federal student loans that were also disbursed to XXXX XXXX are being discharged due to my approval under the Borrower Defense for Sweet v. Cardona. Per the attached promissory note, the private loan was disbursed to this school, which is included in the settlement. I should not be responsible for repaying a loan to a school that deceived me, was predatory in telling lies to me just to get me to visit to school WITH a parent and apply, all under false pretenses. This Signature loan must be discharged based on the clear evidence from the Sweet v. Cardona settlement. Till this day, the credits obtained from this school are worthless and non-transferrable to an institution of my choice. The school closed and I even can not obtain any transcripts from them yet for a $ XXXX loan disbursed in 2004, I have repaid triple the amount and still have a balance today of over $ XXXX. Attached also is the approval email I received for my federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Reporting company used your report improperly

Complaint:
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : n accordance with the written instructions of the consumer to whom it relates.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX : XXXX Account # XXXX OR XXXX Date Assign XX/XX/2019 OR XX/XX/2019 Orignal Balance {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: LA
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:
On my credit report, there shows a charged off account with a balance of {$610.00} from XXXX XXXX XXXX There also is a a collection account from XXXX XXXX XXXX, showing a balance of {$610.00} I would like both of these accounts to be removed because they are reporting false information because because a charge off which has been placed in collections, should report a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I obtained my credit report from all three bureaus XXXX, XXXX, and Equifax and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither XXXX, nor Equifax, nor XXXX have deleted it yet. It has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have contacted Transunion about me being a victim of their inquiry problem and they have yet to remove inquiries that I have kno recollection of I have posted the inaccuracies below these inquiries should be removed XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: David B. Schumacher, P.C.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. David B. Schumacher , PC,  Attorney at Law, XXXX , OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. David B. Schumacher, PC, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XX/XX/XXXX or XX/XX/XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexisnexis is the company I am having issues with. I have noticed that my information in my scores are incorrect or missing information. I have requested a hard copy of my report but still have not received it. I decided to opt-out on XX/XX/XXXX. XX/XX/XXXX, I decided to put a security freeze on the account, I gave them a call. They informed me that the freeze will be in affect after XXXX hours. On XX/XX/XXXX, multiple insurance companies were still able to check my account without my consent. I gave them a call back ( lexisnexis ) today XX/XX/XXXX, and the lady I spoke with told me to call those same insurance companies to ask why they did a search for my credit. I asked the representative from lexisnexis why were insurance companies still able to check my credit with a security freeze and she could not answer that, nor give me directions in solving it. For 4 years this has been affecting my insurance rates and me not being able to even obtain home insurance from most companies due to incorrect information. When I first spoke with Lexisnexis ( approx 3-4 weeks ago ) asking what was in my report and that I would like to dispute it, he just told me he can not help me. That I can not put a dispute in with lexisnexis. I have never had problems before with my scores. This is my XXXX XXXX, military family that moves alot. For some reason when I bought this house all my problems with this company started.

Company response to consumer: Closed with explanation