BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: Brennan & Clark, Ltd., LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We want to report Harassment by Brennan & Clark. XXXX purchased XXXX and we wee a legacy account for phone service under an old agreement. Our service had failed ( dropped calls bad connections ) and XXXX could not fix the issues blaming XXXX who blamed XXXX. We had very old outdated XXXX equipment so wanted to upgrade. No sales person would return multiple calls / emails & after not hearing from them we finally sent an email / on line chat / mailed letter saying we will be moving off XXXX & onto XXXX to resolve the phone issues. XXXX did work with XXXX to properly port our numbers. After we switched we were finally contacted by a sales rep from XXXX who apologized for all the issues & agreed to a {$2000.00} cancellation fee - which we paid - see attached copy of check which they cashed. Apparently this went to the wrong dept - XXXX & NOT XXXX XXXX which was handling our dispute & for some reason XXXX charged us an $ XXXX cancellation instead of the agreed on $ XXXX ( or even the $ XXXX per our outdated contracted with XXXX ). We never had a new agreement with XXXX. The person we've been dealing with at XXXX XXXX ( XXXX XXXX ) agreed they should not have forward this to a collections agency and advised us to tell the agency to " refer back to maker '' which we did. The agency, Brennan & Clark, & their rep XXXX XXXX, says they will continue to call until I pay them at least $ XXXX more to make this problem go away & to prevent them from filing a lawsuit. He refuses to " refer back to maker '' & will not call XXXX to verify that we actually had an agreement or to get even a copy of our XXXX contract. He basically said WE have to provide " all the evidence '' & that all they have from XXXX is an old outdated invoice ( which has the incorrect amount on it which XXXX XXXX said months ago he took care of ). B & C appears also unaware of the $ XXXX we already paid. In other words they claim it's not their job to talk to XXXX about anything. I've asked them not to call ( only write or email which they have not done ) but they insist on calling multiple times daily " until this is resolved. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I made several attempts to file submit loan modification packet five times. each call that I made they told me my file was closed I was re-submitting loan modification packet XX/XX/XXXX they told me at Loan Care it was not enough time I told them it was sent since XX/XX/XXXX response was it has been denied dates submitted Dates XXXX. XXXX XXXX. I called all those dates to check if they receive the modification packet they stated not received until I XXXX told them I was filing a complain against them and speaking to my attorney on XX/XX/XXXX I called on a three way calling with XXXX XXXX assisted with the phone call advising them about filing a complaint against them double checked email address to submit loan modification to Loan Care @ LC-Mit @ loan Care.net

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four  credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: OH
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:
There accounts on my credit report that does not belong to me and I did not authorize any of these accounts on my credit report. I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency XXXX which makes you financially liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. here are the accounts : 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 non-monetary relief
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!

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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX Original creditor : XXXX XXXX  XXXX, Account name : XXXX XXXX  # XXXX Original creditor : XXXXXXXX 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 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never lived at that address.

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 2023-09-12
Company: MoneyLion Inc.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So I didnt know that there was even a debt because the way that they set up the loan they make you pay everything ahead so they wrote off XXXX and some dollars worth of a debt and they left left {$50.00} on the deck, but there was only two payments left and they were like XXXX bucks or something so realistically they didnt lose any money and I saw that it was reporting to my credit for {$51.00} so I sent them a check for XXXX I notify them that they got the check. I got proof that they cashed the check but they have not reflected on my account that it was paid nor have they remove the account off of my collections and credit bureaus because they agreed that if I paid the {$51.00} that they remove the collection of my account. They never have done this and its been over 30 days.

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 2022-10-19
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. 

Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX # XXXX, Account name : XXXX XXXX Original creditor : XXXX  # XXXX, Account name : XXXX XXXX # XXXX Original creditor 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 2023-09-12
Company: BMW Financial Services NA, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The loan is through XXXX for an auto loan on a XXXX XXXX. I have been trying to get into the website since XXXX to make a payment. The website wont open ; the message states : the resource you were looking for has been moved, had its name changed, or is temporarily unavailable. I have tried several different ways to access my account with no luck. I have contacted the lender at XXXX and received an auto answer that the institution is closed for unforeseen reasons. I have also contacted the Mini dealership who was unaware of the problem. 

Have not received any communication from XXXX and, obviously, concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
I am a victim of identity theft there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In XXXX Bank of America suddenly locked me out of my online account until I typed in my full social security number and full credit card number. That's a huge identity theft concern. I kept trying for a couple weeks and finally called them. After 45 minutes waiting for a live person they told me that they refuse to change that policy, and also I had a late fee for making ( I thought ) XXXX 's payment in early XXXX before they locked me out of my online account, but it was too early in XXXX to count towards XXXX. That part is my fault, I'm not blaming them for that. I then paid the full balance by phone and verified a few days later that I had a zero balance. Last week I decided to close the card completely which I successfully did and confirmed by phone with a live person that the card is closed and I have a XXXX balance. Today I got a bill for {$1.00} on the closed account. Thank goodness they actually sent that email or I would have no idea I was still being charged. I tried unsuccessfully to get through to a live person and gave up and paid the {$1.00} by phone. 

I am hoping that is simply a finance charge from XXXX 's activity. If they start trying to charge me a finance charge on a finance charge I am going to have a problem with it.

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 2023-07-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my several complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$7400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 2023-07-28
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my TransUnion and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore

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 2023-07-28
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a XXXX  charge card. I paid it timely. XXXX changed banks and closed all cards and took their business to a new bank and we were all distributed new charge cards. I did not voluntarily pay off and close an account. However, Experian dropped my credit score XXXX points for closing the 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 non-monetary relief