BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony bank has not accurately informed the credit bureaus of the actual monthly payments that I had made going back over the last year and a half. It not only list inaccurate information on my account but also inaccurate payments I made on an immediate family members account. Some months it states, according to my credit report that I missed payments when I didnt.

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 2022-09-12
Company: Experian Information Solutions 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:
The following is a description of the indecent taken straight from case summary Throughout the document I am of course referred to as the " Plaintiff XXXX XXXX '' : Plaintiff, XXXX XXXX lived in his home as his primary residence for more than 25 years. XXXX had paid all loans and therefore owned 100 % equity in his home. XXXX discovered, sometime after the fact, that a Deed of Trust had been executed granting XXXX real property in trust to XXXX XXXX XXXX or its predecessor in interest with the power of sale in the event of a default of said promissory note for {$700000.00}. The lender was named as the beneficiary in the Deed of Trust Upon discovering that an unauthorized note and Deed of Trust had been fraudulently executed, XXXX notified the servicer of the loan, that he, XXXX was in fact the homeowner, but was not in fact, the borrower. XXXX identity had been stolen and therefore the person posing to be the homeowner was in fact an imposter. Homeowner informed the broker, lender and servicer that the alleged loan, the Promissory Note and Deed of Trust were in fact the product of fraud and Identity theft and are therefore void. Notwithstanding, the notice from Plaintiff, the lender continued to take actions to effect a non-judicial foreclosure of Plaintiffs home. The lender and its servicer took no action to file a suspicious activity report XXXX with the XXXXppropriate administrative authority. The lender and servicer instead caused a Notice of Default NOD to be recorded against the Homeowners property on or about XX/XX/XXXX, XXXX Thereafter, Plaintiff filed the instant suit based on information and belief that the imposter fraudulently posed as Plaintiff, XXXX. Also named is the individuals attorney, the lender, the servicer, the broker, the originator, the escrow officer the escrow company, the Trustee and the Notary Public used to notarize the fraudulent signatures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: MA
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:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # 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 instruction - You have 100 % left to pay on this collection. 

Balance {$2000.00} Highest Balance {$2000.00} Opened XXXX XXXX, XXXX  ( XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX  Closed No Info See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX - You have 100 % left to pay on this collection. 

Balance {$610.00} Highest Balance {$610.00} Opened XXXX XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have paid on these loans for over 10 years now. The amount has only INCREASED and not decreased. I had the department of education tell me as well as a navient manager, both stated these loans have been satisfied. My original loan has been bought out 3 times. PLEASE HELP I have sent in a dispute in XX/XX/XXXX with no avail. I DO NOT want this going against my credit. I have FAITHFULLY paid on the loans with only one year of forbarence in XX/XX/XXXXmy husband lost his job at that time as well as my son was born with a XXXX that is still on going. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file. ive noticed all information in question is invalid on all XXXX credit files. I have disputes these items multiple times an no action has been taken. please review an remove the items in question to correct my credit report. none of the data is valid. delete an remove all items requested asap.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am submitting this formal complaint about XXXX, XXXX, and TransUnion, for violating the following laws related to my consumer report : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) : Permissible purposes of consumer reports 18 U.S. Code 6802 : Wire fraud Specific Violations of U.S. Code : 15 U.S. Code 1681b ( g ) ( A ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report if the person requesting the report has a permissible purpose for using the information. I did not give my permission in any form for XXXX, XXXX, and TransUnion to report the following accounts : 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  18 U.S. Code 6802 states that it is a crime to knowingly transmit false or fraudulent information in interstate or foreign commerce. XXXX, XXXX, and TransUnion transmitted false or fraudulent information about me to potential creditors and employers by reporting the accounts listed above without my permission. 

Here are the specific examples of Unfair, Deceptive, and Abusive Practices : XXXX, XXXX, and TransUnion reported the accounts listed above on my credit report without my permission. 
I have not been notified of the accounts listed above being reported on my credit report. 
The accounts listed above are inaccurate and have damaged my credit score. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX, and TransUnion 's practices and take appropriate action to protect consumers from XXXX, XXXX, and TransUnion 's unfair, deceptive, and abusive practices. I would also like to be compensated for the emotional distress and financial losses that I have incurred as a result of XXXX, XXXX, and TransUnion 's actions.

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 2019-07-24
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receiving letter from Convergent for a debt I do not owe nor anything on my report. This is fraudulent. They kept insisting on me giving my date if birth and social security number when I called with account number also. This is ridiculous. How are they in business?

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 2023-09-14
Company: Law Offices of Bradley G Nykamp PC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter threatening me with a lawsuit on XX/XX/XXXX from Pterson Nykamp LLC and have received multiple phone calls to my phone and job asking to pay back a debt from XXXX the statue of limitations in Utah is 4 years. i have tried calling them and told them to cease & desist these harassments tactics. in the letter they say that if i don't call or write to them by XXXX XXXX XXXX  they will assume this debt is mine. this debt is not mine the last time i had XXXX XXXX  was in XXXX way past the statue of limitations in the state of Utah. i want them to stop mailing and calling me and my job threatening me with collecting a debt that is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: IL
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 have 11 hard Inquiries that wasn't authorize by me 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 2023-02-28
Company: Experian Information Solutions Inc.
State: AZ
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 making this complaint by myself with no help from a third party. I noticed some accounts on my credit that do not belong to me i tried getting them removed from the credit bureaus to no avail.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 2023-08-08
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:
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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-09-12
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I contacted XXXX XXXX in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX XXXX to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX {$150000.00} requested transfer to local XXXX XXXX, at which time Chase Bank froze the account and has been virtually impossible to contact or deal with. Not to mention very rude, discourteous, and even disconnecting phone conversations .To this date of XX/XX/XXXX, have been unable to resolve.Our attorney and banking representatives that we do business with have advised and stated Chase bank has no legal rite to do what they're doing.They were supplied with documentation needed to proceed.This was an account that I was The second signature and the individual that was the first signature passed. Death certificate, copy of will given to no avail.Attorney commented that it wasn't necessary as I was clearly second signature and owner of the account to dispose of as I wish.I feel totally helpless and severely discriminated as a Veteran to have this banking company to be able to have this type of control without a resource for solution for any individual doing business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Difficulty making payments on a private loan formerly with XXXX XXXX ( currently with Navient ) for XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX, MA. Navient refuses to postpone or significantly lower payments after 10+ years of paying on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: FISERV INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Once again FISERV via XXXX and XXXXXXXX XXXX are preventing our law firm from getting paid by our clients. See the attached latest example.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, and account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I contacted XXXXXXXX XXXX  in regards to my credit card that has a max limit of {$1600.00}. XXXX XXXX XXXX to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
A fraudelent account on XXXX XXXX with XXXX XXXX XXXX appeared on my credit report and on XXXX went delinquent after I had already reported it fraudelent back in XX/XX/2023 Transunion took my score down XXXX points and has not returned my points after XXXX XXXX  was found to be fraudelent and removed. I would like my score returned to what it was before this fraudelent 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 explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Also, I have not authorized this transaction or authorized anyone to use my information to open this transaction. 

This request has NOT been made in error, it is NOT a misrepresentation of material fact relevant to the request to block and I have NOT obtained possession of goods, services, or money as a result of the transaction issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo bank has taken advantage of me as the other customers and consumers for forcing those past employees to open up fake accounts I believe XXXX XXXX accounts with out the permission and authorization and consent of the consumers and customers that trusted Wells Fargo bank to help us to become financially stable and in which Wells Fargo bank has lost the trust of those customers and consumers that trusted Wells Fargo bank to help those customers and consumers to become financially stable. And also I want to share this information with you all. What if those past employees has a family member that has a XXXX son or daughter will Wells Fargo bank take away from those past employees of Wells Fargo take advantage of them that suffers with XXXX  and XXXX  XXXX. And take food out of those families that are struggling to provide for their families and will those that are still working at Wells Fargo bank to take the food out of their families mouth? I know that if I know that if I I had a family of my own I would not like it at all. Wells Fargo bank has been doing this for years. But when a consumer and customers find out about all of these illegal activities that Wells Fargo bank has and continues to even this day Wells Fargo bank still are taking advantage of the consumers and customers that trusted Wells Fargo bank to help them. And not only I have been taking advantage of but all of us has trusted Wells Fargo bank to help us. When you or anyone as or someone else ask questions and Wells Fargo bank has been caught taking advantage of people what Wells Fargo bank and it's bankers wants to transfer the call to someone else. Wells Fargo bank has charged me all of these hidden fees. Wells Fargo bank has also been sued for discrimination and forcing those past employees of Wells Fargo bank to participate in all of these illegal activities. And has taken advantage of and the other customers and consumers opening up fake accounts with out the permission and authorization of these consumers and customers.

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