BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/19 I was notified from XXXX the company I use to monitor my credit that a hard inquiry was pulled from Experian from XXXX XXXX and I never authorized this. I have printed all the details off their website and nowhere does it say they are going to be doing a hard pull against my credit. I want this inquiry removed from my credit report 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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent multiple letter to the three bureaus, they have not responded in a timely manner required by the fair credit reporting act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, XX/XX/XXXX I opened up a credit card acct. with Wells Fargo. The credit card was eventually Charged-off of my acct. with a balance of {$400.00} owed. In XX/XX/XXXX I decided to dispute the account and noticed that Wells Fargo had increased the amount due to {$670.00} and also added the late payment dates of XX/XX/XXXX and XX/XX/XXXX even though the acct was already Charged-off. I wanted to make sure this wasnt an illegal practice of aging or something different. Thank you

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 2019-05-29
Company: Riverwalk Financial Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed this invalid information with the three major credit bureaus. I disputed the unverified information and XXXX  and XXXX deleted the information. However, XXXX  is stating that the issue is valid, after a second attempt to resolve this matter in XXXX of 2019. This information is affecting my credit report and score. I even sent proof of the investigation from XXXX   and XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Friday, XX/XX/2021 Dear CFPB : This correspondence is in regards to my filing a complaint against PNC. PNC has revoked my online banking access and frozen my money to both of my PNC checking accounts without warning or reason. This has happened today, Friday, XX/XX/2021. 
I learn about the freeze when around XXXX EDT I tried ordering on XXXX. Its system says that my debit card was declined. I tried my other PNC debit card and the XXXX system produced the same result. 
I XXXX PNC Bank Help 3 times. I also left two XXXX direct messages. In addition, I called the XXXX number and was placed on a 1-hour hold TWICE! It took PNC two hours to reply to me via XXXX. 
Now the games began again. I promptly responded to PNCs direct message request only for the customer service representative to be non-responsive. I submitted screenshots of my online banking account revocation and my 1-hour hold phone log. PNC still as of XXXX EDT still is revoking my account without any reason. 
My Remedies I demand that all of my PNC bank accounts be restored Online banking access and debit card access restored All money in both PNC checking accounts restoredwithout XXXX XXXX missing My ability to dispute any funny charges on my account since PNC did not notify me of anything. I register for account alerts. It is myunderstanding that today, XX/XX/2021, I did not receive my alerts. 
A proper investigation and explanation into what happened to my account. 
The CFPB can contact me at either my email or my phone numbers. My email is XXXX. My cell is XXXX. My other phone is XXXX. Please help me. I have been suffering for 4 hours and PNC still is freezing my accounts for NO reason! Thanks. 

Sincerely, XXXX XXXX Enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: ENCORE CAPITAL GROUP INC.
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:
This company has violated my rights. 
MIDLAND CREDIT XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt. 
15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C 1681 section 602 A. states I have the right of 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.

15 U.S.C 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card.

15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with XXXX XXXX regarding a collections that they stated was mine. I sent a letter asking them to verify and validate the debt, but I never received a response. I informed her that this was in violation of the Fair Credit Reporting Act. This account need to be deleted immediately because I know that they don't have access or any kind of documentation available on this debt. This collection can't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Navient Solutions, LLC.
State: NY
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 'm need help I 'm confused about everything. I 've been paying for 5 years and the principal never goes down. they even went into my jobs payroll

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019

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 2017-09-29
Company: BMW Financial Services NA, LLC
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in regards to attempting to settle the charge off balance we had with their company. On that first call, the XXXX representative stated our loan was marked as one of many to be XXXX out and removed from our credit report. They stated it had something to do with a class action lawsuit that XXXX had lost. Since then, we have called numerous times and each time the answer is the same, they are working on it and it will be done shortly. Finally in XX/XX/XXXX, I received a letter dated XX/XX/17 stating they had adjusted my balance to {$0.00} but nothing in regards to the removal. When I called back, again they say they are working on it. This has gone on for several months now and is affecting us from buying our new home in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Experian Information Solutions Inc.
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:
I was a victim of identity theft and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: ZARVAD III S.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I asked for a XXXX XXXX dollars loan and I didn't know they send the money to my account and when the first payment is due two days  before I got the money. And not they are calling n email about I owe them XXXX now n try to sue for XXXX and I don know where all the come from. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with XXXX XXXX regarding a collections that they stated was mine. I sent a letter asking them to verify and validate the debt, but I never received a response. I informed her that this was in violation of the Fair Credit Reporting Act. This account need to be deleted immediately because I know that they don't have access or any kind of documentation available on this debt. This collection can't be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AL
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 Account XXXX, XXXX XXXX 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 also states a consumer reporting agency can not furnish an 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account XXXX, XXXX  XXXX/XXXX  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 also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a complaint on X/XX/2017 # XXXX where a pay as agreed status appears as an adverse account XXXX XXXX XXXX. You had 30 Days to complete your investigation into this problem. You are now in violation of the FCRA and must delete the account immediately. Your company will be sued for violation and defamation in court if this matter is not handled in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Navient Solutions, LLC.
State: VA
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:
Upon doing a thorough review of my credit files, I discovered errors on all three Credit Reporting Agency Reports ( XXXX, XXXX, and XXXX  ) from Navient/Dept of Education. I have two accounts from Navient, and both accounts are reporting a " 90 day late payment '' in XX/XX/XXXX, on all three credit bureaus reports. I have contact Navient directly multiple times to speak to the customer service representatives to verify my account payment status. They confirmed that I do not have any " missed or late payments '' in their computer system and in their system for the month of XX/XX/XXXX payment was made on time. They said they couldn't do anything but that I had to contact the agency they use that reports to the Credit Bureaus for them. In XX/XX/XXXX I mailed a letter to the company via the address they gave me. I received no response. I contacted Navient again, and they stated they can not do anything. I sent an additional letter to the company Navient uses again in XX/XX/XXXX and still received no response nor were my credit reports ever changed. I tried to contact the Bureaus individually and was instructed to contact Navient. 

Furthermore, I tried to dispute with the bureaus. For all three credit bureaus it is reporting as follows on both Navient accounts : XX/XX/XXXX-XX/XX/XXXX " Ok '', XX/XX/XXXX " 90 days late ''. It is not mathematically impossible to be on time three months prior and then all of a sudden " 90 days late ''. I want this fixed immediately as it is reporting incorrectly and as such is impacting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Utah System of Higher Education
State: MA
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:
To whom it may concern, Last Friday, XX/XX/2018, I scheduled a payment of {$500.00}. Usually the money gets debited from my bank account the next 1-2 business days and is then reflected in my XXXX account the next day. However, it is now XX/XX/XXXX, almost a week later and the money has not been debited from my bank account. According to their website, it says " please allow up to 3 additional business days for the payment to be posted to your loan account and debited from your bank account. '' However, as previously mentioned, the money usually gets debited from my bank account a day before it's reflected on the XXXX website. Therefore, even if the money gets debited tomorrow, it won't be reflected on my XXXX  account until Monday at the earliest, and I'll surely be gaining interest on my student loans until then.

If there was some type of hold up with my payment, I believe I should have been notified. In the meantime, this company gained a 5 % interest rate for an extra week. I think that's outrageous, exploitative, and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Rausch Sturm LLP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Rausch Sturm about an attempt to collect. I responded to said letter with a request on proof of verification, which has yet to be responded by from Rausch Sturm. I sent the letter by Certified mail, tracking # XXXX XXXX XXXX XXXX XXXX confirming they did in fact receive this on XX/XX/21.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XX/XX/2021 XXXX XXXX XXXX did a hard inquiry on my transunion credit without my direct expressed permission to do so.

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