BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: The Aligned Company DBA Extra
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX FALSE LATE PAYMENT ON MY REPORT XXXX XXXXFALSE LATE PAYMENT ON MY REPORT ACCOUNT # XXXX THIS COMPANY HAS TERRIBLE CUSTOMER SERVICE FOR STARTERS. 


i reported fraud on my account with this company and they refused to even investigate or fix my account issue. 

i wrote letters for more than a year now and it remains on my credit report. 

my wallet was stolen and my XXXX. my extra card was in both my phone and wallet.. i did not reconize the transactions so i begged for answers and nothing, staff was rude and careless. this has hurt my credit so bad. i couldnt even get into my account because the old number wasnt mine anymore, i wrote emails and called. 

they only responded after the late payment hit my account. then they closed the account so now its hurting my credit SO BAD

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023 I received a copy of my credit report and I noticed 3 accounts that are listed on my credit that are not mine, and I never applied for and never used.

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 2023-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the third time I am provide all necessary information to Equifax and expect to receive an accurate credit report and credit score in the mail. My information was in fact breeched in their data breeching. My request is for all information which is showing on my credit report to be validated as my information. I also want proof of their methods of validation and the manner they used to gain the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 following XXXX  Accounts has violated my rights : 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 ). 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 States a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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: 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 confidentially under 15 USC 1681.

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-19
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
National Collegiate Trust illegally sold my debt to XXXX XXXX XXXX XXXX. They contacted my father, XXXX XXXX XXXX, and sent him a bill with an account balance {$13000.00}. They have repeatedly contacted him about my own account status and my financials, despite the fact that I have a XXXX era no-contact order with my own father. They have divulged information such as my address and my phone number to my biological father, and they have sent him a bill in the amount of {$13000.00}. NCT had arranged a payment plan with me that they then reneged on, selling my debt illegally to XXXX XXXX. XXXX XXXX have used profane language when speaking to me, have taken very rude tones, have given information that is incredibly private to people with whom I do not speak, and even took a phone call from someone pretending to be me. Not once did they make an attempt to directly contact me about the debt until XX/XX/XXXX, at which point they were attempting to collect XXXX dollars, and not willing to settle. I was never given any forms about how to dispute the debt and no good-faith attempts were made to resolve this without escalating to a lawsuit. 
The letter I have in my possession is dated for XX/XX/XXXX ; account number : XXXX, balance : XXXX. It is addressed to my FATHER, who forwarded it to me after getting my residential address from XXXX XXXX. When I told the agent that she could not call me, she said, " Well we have to be able to call you. '' I said - well don't, and she indicated that they couldn't not call me. Debt collectors are not entitled to call us whenever they want.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX/XXXX/2017 - called Navient to request forbearance, due to the fact that I do not have money to pay and I am past due by 118 days. They stated that I would have to pay {$100.00} ( {$50.00} for each loan ) to put my loans in forbearance, which I can not afford, because I do not have the income to do so at the moment. I was questioned about how I was paying other bills, and asked if I had someone else I could borrow from to place the loans in forbearance. I explained that I do not have anyone I can borrow from. Navient told me there was nothing they could do to help me until I had money to place my loans in forbearance. I also asked if I would have to pay an additional fee to keep my monthly loans in forbearance. Navient said yes, I would have to pay another {$50.00} per loan to keep in forbearance, at the end of each month. I told Navient I would have to call back, because I do not have the funds at this time. The support agent said I could schedule a payment for up to two weeks in advance. I explained that I would still not be able to make any payments in two weeks. I will not be able to make any payments for at least 3 months with my current income status. Navient support agent said she would note it in my account, but the collection calls and credit reporting would continue until I was able to make the minimum payment of {$50.00} per loan to place the loans in forbearance. I asked if there was any way to place my payments on an income driven repayment plan, and the Naviant service agent said no and that I was on the lowest payment plan of {$140.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NC
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:
This is totally Fraud. Please take an action with this innacurrate 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 2021-12-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Assuming that Select Portfolio does not file motion to vacate judgment by XX/XX/XXXX, at XXXX PM. You'll leave us no choice than to contact the IRS tax fraud, Department of Justice, Florida tax collector, Inspector General, Florida Attorney General. This is the peak of the iceberg. States are losing " BILLIONS '' nationwide on unpaid intangible & stamps taxes in connection with loan modification loan increase .Food for thought after XXXX nationwide lenders engaged in millions of loan modifications where till today have not paid the taxes owed to State tax collectors. There are billions of dollars that have been abated by these financial institutions. THE MATTER IS CONSTRUED AS TAX EVASION!!!! The department of Justice has yet to learn about this. It's the biggest tax evasion scam ever! and must be investigated by the Watch dog and multiple Federal agencies. This is the biggest discovery by a Florida mortgage fraud investigator. Select portfolio you seriously think you're going get away from illegally acquiring a judgment on our home when are barred by Florida statute to collect or have any enfacement pursuant to Fla. stat. 201.08 ( 1 ) ( b ), 199.282 ( 4 ). You seriously think you are going to get away from evading taxes on mortgages instruments??? I have news for you sunshine, in the United States of America, one thing for sure is DEATH AND TAXES!!!! You are trying to sale our home on XX/XX/XXXX, A WARFARE OF LEGAL ACTION WILL BE BROUGHT AGAINST YOU on XX/XX/XXXX at XXXX PM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Chase 's poor service and actions have led to credit score being below XXXX. Chase long drawn out process affected getting loan refinancing and loan modification causing great hardship. Chase also had me pay off and close XXXX XXXX to apply for loan refinancing which also negatively affected my credit. I had a cosigner that is a XXXX XXXX and had more income {$75000.00} than I owed on my loan. Chase never can be reached calls go to voicemail!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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:
XXXX XXXX XXXX XXXX, XXXX, XXXX and Transunion are violating 15 USC 1666b. These companies are reporting inaccurate late payments on my consumer 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One has ATMs located inside XXXX stores throughout the state. Since most bank branches near me have closed this is the most convenient option for depositing money into my account. On XX/XX/XXXX I went to ATM at XXXX  # XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, and made a deposit of {$2500.00}. 

During the deposit, the machine begin to malfunction and make loud beeping sounds, there was an alert that says money can not take please collect the bill but I was only given {$20.00} back. At this time my card was still in the machine so I waited at the machine until the beeping stopped and attempted to get my card and money back. After about XXXX mins the machine finally released my card with no money. When I tried to speak with the XXXX of XXXX I was told she has nothing to do with the machine and to call the number listed. 

When I reached out to XXXX I was left on hold for XXXX mins before the representative answered and hung up on me. I attempted to call back XXXX more times to be prompted by a busy signal. I then reached out to my bank to file a complaint and have been met with nothing but hassle. 

I filed a claim but have not been refunded my money back. I make deposits at the same time every month for bills and there should have been more XXXX especially since there was an issue with CAPITAL ONE 's ATM. I attempted to speak with a customer service representative and was laughed at and told there was nothing they can do to assist me. Someone needs to hold them accountable for not conducting proper maintenance on these machines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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: Their investigation did not fix an error on your report

Complaint:
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
requests for payoff, pay activity statements, inability to verify lender, homeowners insurance unable to verify payor, escrow deduction payments are 3 times higher than tax, insurance payments, principle balance not reduced in 3 years, payoff notice of satisfaction on court record and XXXX land records, book liber payoff satisfaction filed PHH still shows mortgage balance and investor is activity statements show payoffs and Deed Title are assigned not released, XXXX XXXX and XXXX XXXX XXXX unable to provide detail of loan location of deed, title and lender identity theft fraud reporting to XXXX, cyber attack continues, evidence of money laundering via other home sales and DEED records on several county court and multiple states of cash transfers trust sales of property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harris & Harris from XXXX calls my work phone XXXX with a robocall debt collection message almost every single day for a debt that is not mine. It's been almost a year since I started a new job with this phone number. It's just a machine that calls with the exact same message, and there's no way for me state that they have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: MI
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 delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: TN
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. 

XXXXXXXX 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 XXXXXXXX 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