BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: MS
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 previously submitted 2 request to have a collection account that was reported on my credit on XX/XX/2021 from a company named XXXX XXXX XXXX to be investigated since I am a XXXX servicemember with full insurance. The Credit Bureaus, XXXX  and XXXX claimed to have verified the debt, so I followed up with a request for verification from them and the Company which reported the Debt. The company XXXX XXXX has not sent me verification requested and it is pass 30 business days. Nor, has the credit bureau given the requested information. I have a rights under FCRA to see the information that is being reported and verify the documents are in fact mines and error free. I have submitted them verification that I should not have a medical debt when I have full insurance that pays 100 percent of medical expenses. I have requested this be removed from my credit file as the insurance and medical provider must settle any debts as a part of my coverage. This further hurting my credit file and inaccurate representation of me as a consumer. I have requested twice that my file be update. Equifax is reporting a medical debt similar with no information provided to counter the account. This is poor work ethic on behalf of the credit bureaus and costing more financial strain to have to resubmit verification of accounts that have already been provided the proof necessary that they are inaccurate. Instead, they are updating the accounts and not speaking to the consumer or providing their methods of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BARCLAYS BANK DELAWARE
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:
There is an account for Barclays showing opened in 2020 on my credit report. I have no knowledge of this account nor have I opened any accounts in 2020  on my credit. The next step will be filing a police report for fraudulent activity and identity theft if this can not be resolved

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 2019-01-11
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is now my third official complaint against Navient about bad business practices, allocation mistakes, and ignoring allocation directions. Whomever Navient is paid up with for protection or has bribed at CFPB, they are getting their moneys worth.

Outright, this company, Navient is shady. Every student loan statement comes with printed directions for allocating payments differently to include written instructions. " You have the option to instruct us to allocate payments differently or to not advance your due date. ... Clearly write your instructions on a separate piece of paper included with your check. '' I did so by dating a letter and mailing a large payment ( {$6800.00} ) on approximately XX/XX/XXXX. This amount was intended to pay off close to 99 % of the entire student loan debt so I could be rid of this terrible loan service company after getting extremely tired of all the printed statement confusion throughout XX/XX/XXXX and other on-going issues. The payment cleared on XX/XX/XXXX. The  allocation instructions were not followed, again. On XX/XX/XXXX at approximately XXXX, Navient customer service agent XXXX confirmed that they had indeed received the allocation instructions letter with the XXXX payment, and that is all I needed to know given previous experiences with this company. The most important takeaway I have from my experiences with Navient is that they blatantly choose to ignore written instructions pertaining to allocation. Any apologies or responses in regards to complaints are simply fluff. They do not follow written instructions, this fact can not be emphasized enough ; Navient should be penalized in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a large check and was told it would be held 5 days I asked why they said its policy I said well you just hold it till it clears right she said no 5 business days what gives a bank the right to hold funds from me that have cleared this is obscene in a constitutional democracy I understand holding it till it clears but banks use privilege given to them by the federal reserve to punish and discriminate the fact is with todays technology the banks receive the funds almost immediately to hold your money after they have received the funds is and should be criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I think you should do something about the hundreds of people a day being sued during a pandemic. Souless monsters filling up our court everyday since covid sucking what bit of life we have left out of us! Unfair, these people are coming out of the woodwork like vultures. Billon dollar indrusty thriving during a pandemic. There is something very wrong about that. Disgusting!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closing payment for mortgage was wired XX/XX/23 by title company. Title company confirmed wire sent to NewRez mortgage but NewRez denies receiving funds and continues to withdraw monthly mortgage payments. Newrez refused to stop payment from going through after being alerted immediately and refuses to investigate why it can not locate the funds wired to it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: AMERICAN FINANCING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We financed our thru American Financing in XX/XX/XXXX it has now been 8 months and we still DO NOT SHOW on our CREDIT report that we own a home? AF has lied even though they have been paid on a monthly basis and we are ahead on our mortgage. But they have failed to report our credit status, have lied to us for over 6 months. We have emaled, called trying to remedy their issue with not reporting to credit bureaus. Been told internal error, they selling our loan outside parties, other companies handling, but what it comes down to is that we show NO home loan, no credit history on our loan. Our last communication was XX/XX/XXXX AF is now saying it will not be until XX/XX/XXXX when they can make this issue go away. Last but not lease they indicated to me that I could call the credit bureaus myself to accounts added? What kind of low life says that? 

We attempted to purchase & take out loan for new business were denied for we can not show that we own a home, have no stability as home owners. This company has done nothing but damage our credit status. 

Amercian Financing is a fraud, after several attempt to resolve this issue we had no choice other than to start filing complaints. We want action immediatley please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate.XX/XX/XXXX I received this response : The company that reported the information has certified to XXXX that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : XXXX XXXX XXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2017-07-18
Company: EQUIFAX, INC.
State: CA
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:
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX ,  XXXX  and Equifax reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 a withdraw of {$2500.00} was made by Navy Federal Credit Union ( NFCU ) from my XXXX checking account. They said it was " preauthorized '' which I didn't even know who they were. I told them to send me proof of my signature on anything for which I knew there was none, because I am the only person on my account and knew I didn't sign anything. They said there was no way of providing me anything proving my signature on anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: CA
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 did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 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 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 2022-07-20
Company: EQUIFAX, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : 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 2018-12-18
Company: Experian Information Solutions Inc.
State: OH
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:
After doing careful research reading the FCRA laws XXXX, XXXX, and Experian are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!

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