BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: SYNCHRONY FINANCIAL
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:
Credit reporting shows I have a balance due. This always paid off every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: AL
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:
To Whom It May Concern : I recently sent your organization a letter requesting the investigation and removal of inaccurate information from my credit report. I received your response and the accounts below are still reporting on my credit file. 
Furthermore, in accordance with the FCRA, I am requesting proof that the information was verified. 
XXXX XXXX XXXX I believe that the dates and late payments are reporting inaccurately. Here is the case # XXXXXXXX XXXX XXXX XXXXXXXX I believe that that the dates and the amount owed is reporting inaccurately. Here is the case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX I was contacted by Pressler felt & Warshaw re : an alleged debt that they purchased from XXXX XXXX, which originally belonged to XXXX XXXX. on or about XX/XX/XXXX I answered this alleged debt asking for the demand for documents and or validation and or verification of this alleged debt. shortly after Pressler felt & Warshaw sent 4 copies of a credit card statement that proves no verification or validation of this alleged purported debt. XXXX XXXX  and Pressler felt & Warshaw could not and will not swear affidavits as to the accuracy of this alleged debt. and have served me again on XX/XX/XXXX, this is an overshadowing violation and violation of 1692a. ( 4 ), 1692g validation of debts, and also ( mandarin trading ltd. V Wildenstein , 16 n.y.3d 173,182 [ 2011 ] ) existence of contract. ( a ) a party alleging a breach of contract Must demonstrate the existence of a contract reflecting the terms and conditions of the purported agreement. it is axiomatic that XXXX XXXX  and Pressler felt & Warshaw seeking to recover under a breach of contract theory Must prove that a binding agreement was made as to all essential terms. construction of an unambiguous contract is a matter of law! in essence, XXXX XXXX  must show that it is the owner of the alleged debt sued upon. it is imperative that admissable evidence shows that specific account was owned by XXXX XXXX at time of suit. 
( XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX [ XXXX dept XXXX ]. 
XXXX XXXX  and Pressler felt & Warshaw had enough time from our initial contact back in XX/XX/XXXX to prove and provide evidentiary proof and demand for documents that they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this 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 2022-10-04
Company: EQUIFAX, INC.
State: TN
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:
THE FOLLOWING FRAUDULENT ACCOUNTS NEEDS TO BE DELETED NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My credit card ( Bank of America XXXX XXXX XXXX XXXX  ) has been the subject of fraudulent activity over the last 8 weeks. I have had three new cards issued, and there have been several fraudulent transactions not authorized by me, with consistent merchants, one of which being XXXX. 

I became aware of a feature known as XXXX XXXX XXXX XXXX XXXX or " XXXX '' and I believe this service has contributed to the fraudulent activity being perpetrated at my expense. My understanding is there are several merchants, who keep my credit card information on file ( XXXX  ) and these merchants benefit from XXXX, which updates them with new credit card detailed information ( such as number and expiration date ) as I have new credit cards issued. I believe there is a link between this XXXX  service and the scammer 's performing the fraudulent activity. 

When I requested that BofA opt me out of the XXXX service, they said they could not. I was able to locate a merchant list for the XXXX program, and I am cross referencing the merchant list with merchants on my credit card statement, however I am not sure how best to address these concerns with each an every merchant. 

This seems like something which should be researched to protect consumers.

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 2023-11-22
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Was charged {$99.00} annual fee on Barclays Aviator Mastercard. Called and requested the fee be refunded and card closed since XXXX XXXX Credit card company has failed to follow through and delinquency has been reported onto credit bureaus. Despite calling for six months, Barclays has failed to submit the proper documentation to waive fee, close card, and remove delinquency from credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My account with SYNCB/PPC was XXXX as a charge off/ profit and loss write off. I have disputed this information due to it being inaccurate and not verified. It is a violation of 15 USC 1681e ( b ) this charge off is inaccurate. Please remove from 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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2022-01-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XX/XX/XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual 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 explanation
Consumer complaint received 2019-07-30
Company: Miller, Stark, Klein and Associates
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Currently I am getting more and more calls from MSK and Associates, AKA Miller, Stark and Klein and Associates. It is the same company that I was called from before in regard to an attempt to collect on a debt that I allegedly owed. I confirmed with the representative I spoke with that this was the same company that attempted to call be before in XXXX and numerous other times that were extremely abusive and harassing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Equifax have an internal block onnmy credit report, andnis not letting any lender to obtein my credit report. All this happened without my consent, I have been for XXXX months tryng to solve this, they asked me to send my copybof driver license and social security by mail, i have sent it 4 times and they take weeks to answer and keep telling me that they cant read my driver license, i have sent everytime perfect copies of the driver license all of them new ones and they keep telling me the same a week or 10 days later. Inwas applyng for a business loan and credit card and havent been able for XXXX months because of this. Asked them if I can upload or send by fax, explained thats perfect copies and they keep telling me that I have to send them again by mail, even when eveytime I call they verified me on the phone. I need to resolve this, that like I said they decided to put that internal block without even notifying me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020, a levy was placed on to my account after a fax was sent on XX/XX/2020 to release the garnishment and levy. This resulted in my account to be come overdrawn and faced eviction as my rent was pending. If my rent didn't process, I would be homeless with a XXXX XXXX XXXX. Multiple attempts were made between myself and the NC DOR to have the release escalated. On XX/XX/2020, a conference call from the NC DOR with myself to Bank of America 's levy department at XXXX XXXX. On this call it was advised that the release would be escalated and the fees would be waived and to resend the release as I was experiencing a HARDSHIP. 

Today, the bank is acknowledging what was said but refuse to waive the fees as promised. I was lied to about the fees and placed into a position that forced me to be fearful of my XXXX   and I 's housing situation.

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 2020-01-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

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 2022-01-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan debt was transferred to Navient. I applied for an income based repayment and had a set rate of {$820.00} a month which was manageable. However, Navient continues to charge me an additional {$800.00} a month in " fees '' so in order to keep current and not have late fees, in reality my payment is {$1600.00} a month which is a struggle. And when I review the payment history, all of the payments have gone to interest only and nothing to principle. I will never be able to pay off the debt! When I have called to discuss they talk in circles and do not provide any reasonable explanations or options. I attempted to refinance with another company - but Navient does not have a full account number listed on my account ( has part of it blocked out - why?? ) nor is there any option to view a monthly statement - both of these are needed to apply to refinance. It just seems too sketchy to me especially with all the other complaints I have read.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
. I have a 5-year auto loan with Credit Acceptance . I opened this account in XXXX for a vehicle ( XXXX XXXX XXXX XXXX ). 
In accordance to the XXXX moratorium that ended in XXXX late fees and interest charges were not supposed to be charged during this period - yet Credit Acceptance continue to collect these fees on this loan. Also, the additional fees they continue to charge are junk fees and makes no sense why these fees are being collected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX, XXXX, and XX/XX/XXXX. 

I never gave XXXX XXXX XXXX Mortgage written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 
This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 2022-01-27
Company: Experian Information Solutions 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:
Cracked since the data breach of XXXX I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with XXXX charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a XXXX reports all three of their different platforms unless you are a paid customer?

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