BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: AR
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: AR
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2020-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} XXXX in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, XXXX, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My right to privacy has been infringed upon severely. My personal information has been shared without my knowledge or consent. I have been a victim of identity they and I have provided supporting documentation, but the fraudulent accounts keep appearing on my credit file and consumer reports. My reputation in with the financial institutions has been jeopardized and I need this fraudulent information deleted immediately.

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 2021-05-17
Company: The Law Offices of Burr & Reid, LLP
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX I started receiving XXXX due to my XXXX. 
XXXX XXXX XX/XX/XXXX I stayed in the hospital due to having contractions and my daughter being born. 
Hospital never asked for my XXXX insurance card. I never asked since I have been to that hospital more than 3 times during my XXXX and they should have my insurance cards in their computer system. Today I looked at my credit karma and turned out XXXX never paid for my childs birth. I have {$15000.00} in collections that needs to be paid my insurance and my credit score dropped drastically bc of that. Please fix this. -XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am very annoyed that you are still reporting this following account ( s ) ; JPMCB CARD Acct # : XXXX with a balance of {XXXX} in XXXX, XXXX and XXXX. I am a victim of identity-theft and I did not give anyone consent or authorization to use my personal information. Given this situation, I am writing this to request that you block all the accounts disputed as fraudulent on my credit reports. This is clearly a discrepancy that you are still reporting up until now! I have researched my rights regarding this so please grant my request immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
With the recent XXXX XXXX breach in security and over XXXX XXXX people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like XXXX and Experian should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX breach is deplorable.

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 2021-05-18
Company: Westhill Financial
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company called Westhill Exchange LLC claims to be collecting a debt from another party. I have never heard of Westhill Exchange and have not received any communications from them. The first time I heard of them was XX/XX/XXXX when they sent me a purported " receipt '' for XXXX that they said they were taking out of my XXXX XXXX XXXX account without any authorization from me whatsoever. I contacted them and told them not to remove any funds, they have no authorization, and to please provide me with a debt validation letter with proof I have a debt with their company or anyone they represent pursuant to the FDCPA. It turns out they did issue a check to my account, with random check numbers and indeed took XXXX out of my account without any authorization from me. XXXX  XXXX XXXX has been notified and they have advised me to freeze and close account. This is my main account that everything is tied to, so it will cost me time, money, and stress to transfer everything to a new account. The first time I ever even heard of this company, Westhill Exchange LLC, was five days ago and I believe they have violated FTC rules by taking money out of my account without any notice or authorization. I didn't have time to receive or review any paperwork in order to dispute or deny such an allegation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
: Writing here just for the record. nothing has been resovled dont even read the letters over the last 3 years nothing resolved and despite being a customer in good standing discover has blocked my ability to call them and ignores all attempts and has at resolution. this is the latest email i sent. I offered XXXX for all accounts by XX/XX/XXXX. I am declaring bankruptcy in foreclosure i provided docket number for conifrmation. no response just credit reporting that i am responding to. This company is notorious for suing and being very very difficult with customers. I need a resolution not just you sending it and them photocopying responses. I will go to court if need be and show a judge my diligent attempts at resolution and what has occured as a result. tired of being ignored, bullied and treated very unfairly DO SOMEHITNG about this company and how it treats its customers. No photocopies of previous responses that did nothing. I will sue i will if ihave to. believe me. i have a record of all the attempts at resolution from letters to complaints to calls to all. nothing. Accept this and let me out. i will declare bankruptcy shortly Hardship Letter for credit Card Account : To whom it may concern Due to my recent financial condition I am writing you this letter to request a settlement of my unpaid debt at 20 percent of the balance due. I am filing bankruptcy shortly. due to foreclosure. chapter XXXX This is the 4th time i have advised you. I can be reached only after XXXX XXXX to discuss.
Over the last 20months my household income has dropped considerably due to ( job loss, medical condition, illness, etc. ), which has made it impossible for me to continue to make my full monthly payments. I asked for signed copies of agreements i never got and other information.
Please note that I am trying to avoid a bankruptcy filing and that I am currently requesting debt settlements with all of my other creditors with whom I need to make similar arrangements and plans.
I am requesting that you seriously review and accept my settlement offer. As soon as you accept it in writing, I will by XX/XX/XXXX mail the payment to your organization. XXXX dollars for all accounts. If not this will get discharged. My foreclosure can be verified on njcourts.gov XXXX XXXX If you have any questions or if you wish to discuss this settlement offer, please do not hesitate to call me and I can be reached at ( XXXX ).
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click here to Reply, Reply to all, or Forward

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my Experian credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, Experian and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Omega RMS, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Listed as COLLECTION Collection/Chargeoff new account New Accounts Lender No name listed Type Listed as other Balance {$1900.00} Status Date Reported XX/XX/2019 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name COLLECTION Original Lender COLLECTION  Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 7 Months Credit Limit Not Reported Highest Balance {$1700.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I called the number listed on the credit report. I was asked just my name told them and they said I have to transfer you to another person and gave me the phone number of XXXX then was transferred. The person who answered asked if I felt comfortable fiving him my full SS number I told him no, how the person I spoke to asked me my name and told me I needed to be connected to a different department, so he looked up my name and said nothing was coming up that I had to give him my full SS number. I told him no am just going to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: Experian Information Solutions 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 am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not been able to access my money since an account transfer for one week. Customer service line continues to disconnect me after holding for long periods of time. No clear path to resolution. Overall, this is making the majority of my liquid assets unreachable which is unacceptable - I need access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XX/XX/2020 I was forcefully logged out of my account on my mobile banking app without my consent or any form of contact being made. This is not the first time this has happened and they have restricted my access to my account information, but the 5th time and in the past they have begrudgingly fixed my issues but now I have attempted to fix it again but instead I was forced to remain on hold for 20 minutes. This is unacceptable and I am heavily considering and looking into moving my finances into another bank or credit union after the complete disregard for my financial information and my concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Im having problems with 2 separate loan companies.. one with XXXX and another with AES. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With AES, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With XXXX I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: WELLS FARGO & COMPANY
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ok My Name is XXXX XXXX. i paid a credit card dept. over 20 years ago in a consolidation loan on a XXXXXXXX and wells fargo credit card XXXX expunged the dept i owed them on the national record of my credit wells fargo did not. sure they expunged locally but did not take it off the national record. cause the dept shows i owe when i do not. im trying to buy a house and had my morgage agency look up my credit shows i owe that old dept. Wells fargo goes after there depts extremely in collecting dept always been there modas operandi, but none to graces in evening the books. ( Cooking the Books ). I want wells fargo to expunge the dept off my record -i dont bank and have not banked with them in over 20 years i had the consolidation loan pay off the dept its been long aunuff i want it removed, XXXX XXXX XXXX ss.nu # i will tell a agent in private who wants to take the case?

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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