BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  acc # 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 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 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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, Transunion, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical information.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: NY
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.

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 explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: IN
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 reciently reviewed my credit report and saw a collecton on my account. XXXX XXXX XXXX # XXXX. This account is not mine and need to be deleted. I am a victim of identity theft. Also this inquiry is not mine XXXX, XXXX, XXXX XXXX and need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I live in XXXX  Florida, area that was heavily impacted by Hurricane Irma. I was given an option of forbearance by XXXX  for 3 months, after which period I would either pay full amount owed ( {$7000.00} and change ) or do a loan modification and trial payments. I was told multiple times that negative credit reporting would be suspended during forbearance AND trial period for loan modification. I was even sent the letter spelling this out.

I am in the TRIAL MODIFICATION program and have made ALL of my payments ON TIME and in FULL.

On XX/XX/XXXX XXXX XXXX XXXX has reported me to all three credit bureaus as delinquent on my loan.

As a result, my credit score has dropped by 88 points over night.

After your incorrect reporting to the bureaus, credit bureaus reported the same to all of my banking institutions, and as of today, my credit worthiness has dropped from excellent to fair. First one of my banking institutions lowered my credit card limit from {$50000.00} to {$3000.00}, second banking institution lowered it from {$22000.00} to {$1000.00}, and third one from {$20000.00} to {$750.00}. All of my balances above these laughable credit limits became due immediately, and interest started accruing.

At the same time, I was working on a loan for my business which was supposed to be closed today XX/XX/XXXX but has been put on hold indefinitely because I do not meet criteria for the loan anymore. My credit score is simply too low.

I have spoken with numerous employees of your company, from following departments : Natural Disaster department, Loss Mitigation Department, Customer Service department, which got me nowhere. Calls I made :XX/XX/XXXX Employee number : XXXX XX/XX/XXXX Employee number : XXXX  XX/XX/XXXX Employee number : XXXX   XX/XX/XXXX Employee number : XXXX At this point, your false reporting has affected me more than hurricane ever did. You destroyed my credit rating, my credit limits with various financial institutions ( which in order to be repaired even after you remove negative reporting would take hard credit pull for each of the accounts that were affected, which will again negatively affect me for the next 24 months ), prevented me and my business getting a business loan which we need to service clients order which has already been placed ( severely risking, me losing the said client ), and cost me a tremendous amount of time by bouncing me around different departments.

My livelihood and my familys livelihood has been severely affected by your actions.

I kindly ask you to do only what you already stated that you will.

Please do not report negative status and remove the reports that you already made as quick as possible.

Thank you.

XXXX XXXX XXXX XXXX XXXX P.S. The letter you sent me has been attached to this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.

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 2022-10-20
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 I made a Chase Bank mortgage payment by telephone from my XXXX XXXX checking account, which is unusual, as my husband regularly pays it from his Chase checking. 

To my surprise, the institution had saved my banking credit union account number and routing number from a previous transaction. 

I asked that they delete the information and was told that they cant. I explained this is usually offered as a convenience by institutions in order to make regular payments easier, but that I did not Opt In, and requested to Opt Out, and have the bank account information deleted as we werent using this account regularly. 

I am being told by a customer service rep, a supervisor and now am holding for a Manager that they WILL NOT delete this information despite my request to do so because its already in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: ALLY FINANCIAL INC.
State: MD
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 several unauthorized credit inquiries from Ally Financial from the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize inquiries on any of those dates.

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: 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:
I have a number of inquiries on my credit report that I didn't make. I've contacted the companies and the bureaus and was notified to file a complaint to get the credit bureaus to take them off.

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 2018-10-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
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:
Hello, 1 ) I had bank accounts in XXXX XXXX XXXX and XXXX, then i have sold my bitcoins ( on XXXX ), but buyer committed a fraud and paid with stolen cards. 
2 ) Banks returned money to owners, but bitcoins were stolen. I've lost XXXX {$3.00} ) XXXX  XXXX XXXX closed my accounts and sent report to ChexSystems. 

XXXX  XXXX XXXX didn't request any information about transactions and didn't do any investigation. 
Late on XX/XX/2018 I opened a complaint against XXXX XXXX XXXX ( XXXX ) but it repeated situation - did nothing and didn't contacted me except one call notified me about case when I said I can provide all documents to prove I'm clean. 

Now I want to open a case against ChexSystems ( www.chexsystems.com ) so at least they will do investigation if XXXX  XXXX XXXX have no resources to do that.

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 2021-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

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 2023-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Follow up from CFPB file XXXX, I was asked to provide proof of my social security number, via phone call placed XX/XX/XXXX. Due to my family and I being displaced, and homeless, ( due to the debt in dispute ), I am unable to receive correspondence. I express my apologies, as I will fully cooperate in any part of this investigation, to get this debt removed. 

ORIGINAL COMPLAINT In XXXX of XXXX, I submitted a dispute to XXXX against XXXX XXXX XXXX ' attempt to collect a debt not owed, of over {$16000.00}, on behalf of XXXX XXXX XXXX XXXX. To validate my claim, I uploaded a Writ of Re-Entry document, granted by XXXX XXXX, in XXXX of XXXX, granting access to the unit, ruling there was no prior rent due, nor prior debt owed to the community. Also included in the uploads were court documents showing XXXX XXXX XXXX ' cause of eviction, including a XXXX balance, on the rent balance owed line, submitted to the Court. CFPB file number XXXX, ( to include the same company in the same dispute ), upon completion of the investigation, was submitted to the FTC for enforcement , entering XXXX XXXX XXXX XXXXXXXX into the Consumer Sentinel Network XXXX Because of this finding XXXX, ( nor any other credit bureau ), should not be allowed to uphold a debt that was fraudulently submitted against court orders and referred to the FTC for enforcement by the Consumer Finance Protection Bureau. XXXX XXXX XXXX attempted to present a court document regarding an eviction case they lost in XXXX of XXXX, citing rent owed, however in this case the Court too, ruled in my favor, as XXXX XXXX XXXX cashed the money orders presented via XXXX County, and filed for eviction without cause. Because they lost the original case in XXXX, I was still a resident, illegally locked out of the unit in XXXX, with a Judge granting my access to the unit in XXXX. Upon being escorted to the property via a XXXX County Deputy, we discovered ( the deputy and I ) the unit had already been rented to new tenants, with my property disposed of. Between the Writ of Re-Entry dated XX/XX/XXXX by the Court, and the filing of this debt placed on my credit report, the same month after the Judge ruled, against Court orders, is upholding this community in retaliation, as the same community in the complaint acknowledged prior, no rent being owed as their Cause of Eviction in XXXX. My argument is because my family and I were locked out in XXXX, with no balance owed, XXXX XXXX XXXX should not be allowed to collect for a debt not owed nor disputed in the original argument that XXXX XXXX XXXX lost in court. They placed this debt on my credit report, against court orders, to retaliate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have a Capital One credit card. On XX/XX/XXXX i went to the website and made a payment that was the full amount showing on the site. there is no place listed on the site that gives me anything other than full balance. there is no place and or indication that there would be a different " payoff amount ''. i made a full payment paying off the entire balance of the card. on the XXXX of XXXX i was charged XXXX in interest charges. I called the company and was informed that this was due to a balance on the card for the prior month and i was informed that i would be charged interest if i had any balance for the past 2 months. this means that they will continue to charge me fees regardless and it makes it so there is no way to pay off the card in full ever. i talked to a supervisor ( XXXX ID # XXXX ) and he stated that i needed to look at my statement to get the full information. my statement also did not have a " payoff '' amount on the statement. he informed me that to get a complete and full payoff amount that i should have called a customer service representative to do that. their practices are significantly predatory!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am unable to log in to my account and unable to get hold of a human being when calling customer service. Experian will not connect me with a live representative except under " certain circumstances '' but the automated bot will not explain what those circumstances are. There is potentially incorrect information on my account and my only recourse is to place a freeze on the account ( which Experian allows despite not requiring me to prove who I am when I call in ). In other words, their service is insecure and simultaneously unusable yet they have a massive impact on my ability to rent, secure loans, etc.

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 2021-09-13
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:
EXPERIAN and XXXX, without my knowledge or consent, placed a security freeze on my credit report. I have requested that they remove it forthwith. They refuse to do so and continue to send me stupid form letters from EXPERIAN asking for confidential information I refuse to supply to them, including my social security number, a copy of a driver 's license ( assumes I have one ), utilities bills and other things. I DID NOT REQUEST THE SECURITY FREEZE. They must remove it 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 2023-12-21
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a follow up to complaint # XXXX against navy federal credit union . I sent Navy Federal another email on XX/XX/23 at XXXX as follows : I have attempted today to pay the remainder {$120.00} balance on card ending on account XXXX. I paid {$500.00} on this account on XX/XX/23 from the XXXX account ending in XXXX that is not reflecting on the account! Why in the world can I not pay the remainder balance! Why is this account greyed out?? My mother has nothing to do with what is going on. How can we pay bills if you all are purposely jeopardizing the account because you think I am a scammer?! My mother called navy fed and had the remainder balance extended out until the XXXX why can I not use the same account that was used to pay the {$500.00}??? 

Update XX/XX/23 My mother just called them again at XXXX and the representative has made a note in the system stating that it is in system that {$500.00} came out of the account ending in XXXX! My mother keeps stating that she has authorized me to use the card. I am DONE with Navy Federal and XXXX is my witness that I will not stop until I prosecute this credit union to the full extent of the law the same way they unjustly have tried to do me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Loan Science, LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.

Company response to consumer: Closed with explanation