BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Bread Financial 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:
In accordance with the fair credit reporting Act, This creditor has violated my rights under 15 USCS 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section XXXX it also states a consumer reporting agency can not furnish an account my without written instructions Under 15 USCS 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I transferred to my own PAYPAL Acct. XXXX $??. 
Then I transferred it back and expected it to go back on my Bank Account. 
Now it says I received XXXX $ But doesn't say from where and on the bottom line it still says I get a refund from XXXX,?? $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: LTD Financial Services, L.P.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I first received a call from LTD in XXXX concerning a debt from my last rental property that was sent to their collections. The first call i received I was harassed by someone who stated they were a lawyer and would force me to live in the projects if i didnt pay the amount owed. After repeatedly asking for proof of the debt, they said i had to get it from the property, the property said it was sent off to LTD and they no longer had it. After 4 months i get an itemized statement showing outrageous charges ( amounts that didnt make sense ) for cleaning, damage etc ... called to try and resolve the debt after, never heard anything back. My wife finally called on XX/XX/XXXX to resolve the debt, was sent to voicemail and never heard anything. I called today, XX/XX/XXXX and the phone was picked up, however noone answered. I could faintly hear in the background people talking saying if they dont have job/money move on to the next as well as people mumbling, smoking, and coughing in the background. I do not believe this business is legitimate and they are scammers. According to XXXX reviews we are not the first to have this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
overdraft fees added with Wells fargo bank account closed my account without allowing charges to be disputed

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 2017-06-10
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint on XXXX XXXX, 2017 and have not a response mailed to me by Nationstar. What is their problem? I filed a complaint against them and I demand an answer to my complaint, in writing from them immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My cd matured XXXX with ally bank. Two weeks ago I gave them instructions at maturity and asked for a confirming e mail. I was told you would have it in two days. Never happened. Then I was told two days before maturity. 12 calls I recieved nothing. Today it matured and they refused to e mail the instructions given. I dont trust that the funds will be wired as promised to my chase account. They told me a Letter will be mailed. They should be fined and removed as a bank. They are a disaster

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 2017-06-09
Company: NATIONSTAR MORTGAGE LLC
State: MD
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 was notified by   XXXX   that NationStar Mort gage LLC reported that I was 30 days delinquent on my mortgage payment in XX/XX/XXXX  and 60 days late in  XX/XX/XXXX . My full mortgage payment was made in  XX/XX/XXXX , then a partial payment of {$1000.00} in  XX/XX/XXXX , then the full amount owed in  XX/XX/XXXX . A list of dates and payments to NationStar Mortgage LLC are be low : XX/XX/XXXX   {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1000.00}  XX/XX/XXXX  {$6000.00}  XX/XX/XXXX  {$2600.00}  XX/XX/XXXX  {$2300.00}  XX/XX/XXXX   {$2300.00} I understand th at they may report that I was 30 days late in  XX/XX/XXXX , but not 60 days late. I have tried to resolve this with NationStar Mortgage LLC but have not received a res ponse. The timeline is below  : XX/XX/XXXX  - Called   NationStar - A co mplaint was filed with the  Research Dept by NationStar, loan payment history received from   XXXX   XXXX   ( Customer Service Admin   Support ) at  Nationstar  XX/XX/XXXX  - F ollowup email to  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar w ith my payment history from the bank - No response   XX/XX/XXXX  - F ollowup email sent to  Research Dept a nd  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar requesting status update - No response XX/XX/XXXX - Followup email sent to Research Dept a nd  XXXX   XXXX   ( Customer Service Admin Support ) at Nationstar requesting status update - No response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I received email from XXXX XXXX at XX/XX/2022, TransUnion reported at XX/XX/2022. It says, it looks like a lender checked your credit. I did not authorize any lender to check my credit and I dont know who checked my credit

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX ACCT # XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges Provide a copy of my signature with the provider of service to release my medical information to you Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection angecy. I will await your reply with the above requested proof Per the standard you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureau 's expected or damages will be sought after All accounts in dispute listed below.

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 2021-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX DEPTEDNELNET-XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX  XXXX-Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Risecredit, LLC
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:
? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = Data Point is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 

RISE XXXX XXXX XXXX Account # : XXXX I U? 
Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U? Account Status : Derogatory I U? Monthly Payment : I U?
Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX 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 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 ( 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 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 2022-10-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute XX/XX/22 and requested Experian verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.Experian updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, Experian and XXXX Failed to provide documentation. This account also reports a monthly balance in its charged off status.

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 2020-10-01
Company: EQUIFAX, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Debt Recovery Solutions, LLC
State: OH
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:
To Whom It May Concern, The reason for my dispute is DEBT RECOVERY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date andMini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account tothe FTC, and Columbus Police Dept.I need this collection account to be removed from mycredit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding thisFraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After over 25 years baking with Navy Federal Credit Union, I applied for a loan to buy a business in 2007. The business failed and I filed bankruptcy. I erroneously failed to file the proper document to have this debt included in the bankruptcy and was unaware of this until recently. Approximately 18 months ago, I applied for a new checking and savings account with Navy Federal credit union. Navy Federal refused to give me a credit card but told me I could open both accounts. After some discussion regarding the history and bankruptcy, they opened the account. I used the account infrequently throughout the year and recently decided to check my balance by phone. My savings account showed a balance of {$5.00} and the checking account had a XXXX balance.. It was at that time they informed me that they had confiscated {$370.00} from my checking account and {$300.00} from the savings account. They claimed this was a lawful debt collection as I had an outstanding debt on a different account from 2007. They took my money from the newly opened checking and savings accounts and refuse to give it back. Now they are threating to sue me for the balance. The statute of limitations has long passed as well as the ability to ding my credit report. I beg them to violate the law here and things will get ugly. At this time I am simply seeking my money back. If this goes on very long, I will seek damages and file a lawsuit. Navy Federal has a history of illegal collection actions and apparently they continue to violate the law. My financial situation has greatly improved and my credit report reflects that. I would not recommend anyone trust this company with their finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation