BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and 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 Collection company unknown Account : XXXX {$150.00} XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute an inaccurate inquiries listed on my credit report. I have carefully reviewed my credit report, and I believe that the following inquiry is erroneous and should be remove. The inquiries in question were not authorized by me, and I have no affiliation or knowledge of the entity that made the inquiry. I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for bankruptcy and received a discharge in XX/XX/XXXX. I had a second mortgage with XXXX XXXX XXXX, which was listed on the bankruptcy schedules. Nationstar Mortgage has continued collection activities against me attempting to collect the discharged debt. Nationstar Mortgage has recorded this discharged debt on my credit report as late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase freedom canceled my card and with that I lost all my points XXXX or {$1300.00}. They say they sent me notice but I never received anything. I also think I had signed up for paperless so a letter from a credit card company would have gone unnoticed. I would like to collect my rewards. I didnt know a credit card company can just cancel a card? I never missed a payment and kept that card I care of emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an account with Citibank around 2 years ago, after confirming with multiple people at the company that the account will be converted solely to a XXXX card. I confirmed again in XX/XX/2020, being told yes that is the situation. Im deeply disturbed by the lack of integrity taken and my former complaint was closed out with no resolution or attempt to seek a resolution. Instead, Ive been bait and switched into a very poor quality credit card, when I would rather be back with my secured card working towards a 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 2022-11-07
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:
The credit bureaus have been using my credit report improperly 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 my account without my written instructions 15 U.S.C 1692C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX In accordance with the Fair Credit Reporter Act XXXX  account number # XXXX, # XXXX, and # XXXX has violated my rights, 15 U.S.C 1681 Section 602 8 States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 I also state a consumer reporting agency can not furnish my 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 2021-08-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent out Identity theft packets to all 3 credit bureaus they have not blocked my information that I deemed fraudulent on my account.Bc by law all credit reporting agencies Must block any information deemed fraudulent by the consumer within 4 business days of receiving their identity theft Report. They have failed to do so this is my 3rd time sending them my packet with the information deemed fraudulent a most recent packet got delivered to all 3 on XX/XX/2021 I have yet to see those accounts come off my report.I NEED THESE DELETED NOW!!!!!

XXXX  EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: OneMain Finance Corporation
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX had repeatedly failed to properly investigate Onemain financial and XXXX XXXX inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: CO
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:
Equifax had repeatedly failed to properly investigate XXXX XXXX and XXXX XXXX  inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: CT
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:
Experian is furnishing reports from XXXX XXXX company on my credit profile and I did not give Experian permission to do so. According to the law ( 15 USC 1681b ( 2 ) that states " In accordance with the written instructions of the consumer to whom it relates. " ), Experian has to have my permission/ instruction in writing to furnish reports, which I have never provided them with.

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 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Someone got a credit card in my name without my consent I want to find out who did it and want them to go to jail it was from Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. 
Account name : XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX XXXX  ACCT XXXX XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX XXXX ACCT XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX  XXXX XXXX XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX, has violated my rights 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 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 2021-03-04
Company: Conduent Incorporated
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Two purchases used with my eppicard child support were declined between XXXX and XXXX 2021. I logged into my account and it said that my account was suspended. I called customer service and have been passed between departments, being put on hold for hours. I would like a new card and also my balance statement to see where there was fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My dispute against XXXX XXXX was not taken seriously.

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 2023-06-12
Company: EQUIFAX, INC.
State: MS
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. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account number : 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 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 XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Continue to receive robo calls from a company named Navient they claim to be a student loan servicing company. Numerous times they have pretended to be Doctors, Attorneys, and law enforcement officers. To collect private and personal information such as : ( date of birth, social security number, old account numbers, income, etc ) Information they do not have and can only acquire through false pretenses.My number is on the do not call list, I do not owe a student loan debt with Navient, or any of their service providers. I've sent cease & desist letters to their company, blocked their many numbers, some of these numbers they're calling from are XXXX hotline numbers during XXXX hours. I will be filing a harassment lawsuit against this company for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: LEXISNEXIS
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:
LexisNexis is illegally reporting my chapter XXXX bankruptcy to credit bureaus. I filed my bankruptcy with XXXX County Court. They did not give LexisNexis permission to report to the bureaus, nor did they provide them with this information. Also, LexisNexis cant provide me with proof that the courts provided them this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
To whom it may concern, I have a BOA credit card. Last month I received my ebill on XX/XX/2019 : Pay To Account Number : ************XXXX Due Date : XX/XX/2019 Minimum Amount Due : {$79.00} Amount Due : {$79.00} Account Balance : {$7900.00} I tried to avoid missing the payment so I set up automatic payment online at the end of XXXX or early XXXX ( definitely before the due date of XX/XX/2019, but I have no email confirmation though ). And then I received a payment alert on XX/XX/2019 : Minimum payment : {$79.00} Account : Bank of America Cash Rewards World Maste ending in - XXXX Due on : XX/XX/2019 As a new customer, I thought the automatic payment will take care of the payment. So I did not manually pay anything. 

However, on XX/XX/2019, I received my new ebill and noticed there was a late fee incurred. On the same day XX/XX/2019, I also got an alert email saying " the following payment has been scheduled : Pay To Account : BANK OF AMERICA - PERSONAL CARD Account Number : ************XXXX  Payment Amount : {$180.00} Payment Date : XX/XX/2019 Confirmation Number : XXXX Pay From Account : ********XXXX Account Description : XXXX '' I then realized my automatic payment did NOT work for the month I setup. I had then tried several times to call the customer service for this issue. The longest waiting time is about 30min without no one answering the phone. Until today ( XX/XX/2019 ) I got some one who can discussed with me about this issue. She confirmed my guess that the automatic payment setting only works for the NEXT billing cycle, even though I have set up it before the due date of the current bill. 

I accepted there may be technical difficulties for BOA to make the automatic payment setting work the same month. But it should notify customer, at least in a confirmation email about the automatic setting. Sadly, I did not receive any confirmation/notification from BOA after I had set up my AUTOMATIC payment. Ironically, BOA did sent out a payment alert on XX/XX/XXXX, in which again nothing was about that the AUTOMATIC setting wouldn't work. So customer as I was mislead by this nontransparent communication. I then talked to their manager. BOA insisted that according to heir protocol, there was no payment for that month, so my late fee should be collected, given all the fact I presented above. 

In all, the BOA automatic payment does NOT work for the current bill. And during the process, BOA 's communication is not transparent and misleading. The result late fee is unfair! And I believe it is not only my single case. I hope CFPB can look into this issue and protect customers from this wrongly issued late fee.

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 2019-10-27
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received notice that my case was closed due to me not sending additional info. 
Case # XXXX This mortgage Company XXXX XXXX XXXX has not brought my account CURRENT. 
this has been hanging over my head for a year. I want to be able to sell my house and purchase another. I have lost the new home I chose and have missed the prime home sales period. To say nothing about the credit card debt that would have been paid off months ago, if I had been able to sell my home earlier in 2019. This endless dealings with XXXX has cost me so much money. 
I'm a senior citizen, female, on fixed income and this is draining me so badly. 
Now I have to wait, yet again, to pay off the debt. 
TO say nothing about having my home in Pre-Forclosure for a year. 
So much unnecessary strain and STRESS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief