BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: SC
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 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 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 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank account was over drawn by {$430.00} after multiple overdraft fees being added and bills being deducted. As a XXXX XXXX XXXX, and recently going independent in that field, money gets tricky to come by in the beginning. I finally closed a sale. I received a {$12000.00} ( {$11000.00} ) check and deposited it on the morning of XX/XX/XXXX at XXXX XXXX, at my local Bank of America ATM. 

Of the {$12000.00} ( {$11000.00} ), {$300.00} was placed into my account. Still leaving it in the negative by {$130.00}. Still at risk of further over draft fees. The remaining {$11000.00} is placed on hold until XX/XX/XXXX. 

I will continue to have bills drawing on the account. Again putting me at further risk of over draft fees. 

On the receipt from the ATM at the time of the deposit, it does give me a reason for the hold. " A hold was placed on your deposit because the account had multiple overdrafts in the last six months. '' I get that. But to hold {$11000.00} back over {$430.00}, seems extreme. I can see holding a chunk. But no, they leave me negative and will keep collecting over draft fees and making money. I have bills and need to survive.

I have called Bank of America twice and gone into the branch at which I deposited the check. Everyone tells me the same thing, my account is high risk and nothing can be done about the hold.

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 monetary relief
Consumer complaint received 2018-12-04
Company: Credit Plus Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The owner of Credit Plus has a familiar relationship with my former employer Credit Plus ran my credit report without my knowledge and without my authorization I placed a phone to Credit Plus seeking employment with them I sent my resume never heard from the company today as I was checking my credit scores I see the company place a hard inquiry on my credit report I never gave this company permission to do this I never even met with anyone from this company they abused their power by running my credit report with my knowledge and or permission this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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:
Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ). Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXX. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.

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 2022-08-09
Company: EQUIFAX, INC.
State: TX
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, XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
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 instructions Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after XXXX obtained my new mobile telephone number, XXXX added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by XXXX XXXX XXXX XXXX  and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that XXXX provide proof that I consented to receive robocalls on my cellphone. I disputed XXXX right to contact me on my cellular phone and made several requests for XXXX to reveal the telephone number originally provided by the creditor. 

I am aware that XXXX XXXX XXXX XXXX violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked XXXX to provide proof of consent and XXXX has ignored both of my certified letters. I have provided XXXX with phone records and proof of their credit inquiry, yet XXXX has chosen to ignore my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel behind on my mortgage trying to keep up with my Bankruptcy payments.

I received a demand for payment and contacted the loan servicer, FAYE SERVICES.

I was told that I needed {$13000.00} to reinstate my Mortgage. I contacted my lender and told them that I only had {$10000.00}.

I was told to complete the Borrowers Assistance Form if unable to reinstate my Mortgage.

I was told that my Borrowers Assistance Form was incomplete because I needed to provide proof of hazard insurance coverage and sign the Borrowers Assistance Form. I signed the form and the forced hazard Insurance was put in place by the lender, FAYE Servicing, as forced hazard insurance had been in place for the last 8 years.

I contacted Faye Servicing about obtaining the documentation of the forced hazard insurance and no assistance was provided. Even though Faye Service was listed on the Insurance Declaration Statement. This resulted in again my form not being processed and purposefully holding up the process to ensure foreclosure proceedings. As processing of the Borrowers Assistance Form would have clearly indicated what provided full preservation of my rights and determined my eligibility for assistance.

Faye Services ensures foreclosure by failing to process my Borrower 's Assistance Form even though all necessary documentation was in their possession. As the forces hazard insurance information was accessible to Faye Servicing as they were listed on the Insurance Declaration Page for months prior to requesting it. 

I started completing the Borrowers Assistance Form that listed a whole host of documents not previously requested, for the third time with a due date of XX/XX/2018 and I received foreclosure documents on XX/XX/2018.

I am now facing additional fees because Faye Servicing failed to provide me with any protections provided to mortgage lenders by law.

Faye Servicing also failed to keep me informed about critical information about the process of applying for foreclosure relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on TransUnion. XXXX  is only reporting the same collection on TransUnion and not the other bureaus. This is a violation and it needs to be removed.

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 2018-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On both the Equifax and XXXX  Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with Equifax online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with XXXX. They do not allow people to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX or XX/XX/XXXX I called XXXX to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.

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 2020-05-11
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 FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM 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 2018-03-14
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XX/XX/2018 I received an alert from my credit monitoring that this collection account popped up on my credit report. I have never done business with this company nor do I have a contract with this company. I, as a consumer, have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law and popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Receivables Management Group., I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to do. THIS IS A CLEAR VIOLATION OF Receivables Management Group illegally placing information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm XXXX XXXX XXXX. I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION OF THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: U.S. BANCORP
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have filed two complaints against U.S. BANK with regards to the Violation of the Fair Credit Reporting Act. 

They are avoiding my complaint which was solely and completely about the fact that they violated my privacy by divulging my personal information to my daughter XXXX. My daughter is NOT on a co-signer on any of my business or personal accounts and does NOT have the right to know my personal information. 

I am filing a 3rd complaint, to get XXXX XXXX, on behalf of U.S. BANK, to respond to this Violation of the Fair Credit Reporting Act. 

In XXXX letter to me, he states, In regard to your concern, please know U.S. Bank places your privacy and the security of your information as a top priority. However, they breached my confidentiality and wont even address my complaint with the CFPB. 

On XXXX at approx. XXXX XXXX CST XXXX, in 24 hour banking, told my daughter, XXXX, that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX VIOLATED MY PRIVACY RIGHTS This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He filed a formal complaint for me. 

XXXX told me that " XXXX '' was XXXX 'S Supervisor. They let me know that the conversation WAS RECORDED and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I have retained an attorney to handle this issue, but would like a reply to the Violation of the Fair Credit Reporting Act by U.S. BANK. 

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 2018-05-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had two auto loans with Navy FCU that they refinanced for me last year in XX/XX/XXXX -XX/XX/XXXX Both accounts were 30-60 days delinquent but for some reason one of the two auto loans ( one complaint is being filed about ) had a payment refunded to me on XX/XX/XXXX, which caused an additional late mark onXX/XX/XXXX. I was advised that is was transferred back into my bank account due to the account being refinanced and paid off. The refi didn't go through until XX/XX/XXXX as you can see in the attached payment history. I have asked NAVY FCU to correct this 90 days late mark on this account but they are stating that they have no way of correcting this even though admitting the error. The error being that they did not know why one auto loan processed quicker than the other or why they transferred the monies back to my account. As you will see in the payment history, the funds payment was not reversed for insufficient funds, it was merely transferred back into my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously submitted a complaint about Transworld Systems Inc who responded by sending me validation of the debt. The paperwork they have sent clearly shows that I owe NO money to the XXXX XXXX XXXX. I spoke with XXXX reps and they have NO open accounts for me. And they stated that they handle all collections in house and never send bills to outside agencies for collection. 

This latest harassment letter is threatening that interest may be added to the amount that they claim I owe. I am a senior and this upsetting correspondence has an emotional component since it refers to expenses connected with my mothers death. Your website is full of complaints about this company. Cant you make them stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
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: Account status incorrect

Complaint:
XXXX account is paid and closed but is still reporting on my credit report. 
I asked all three of the credit reporting agencies to remove this account since it impacting my score negatively. However they have yet to even look into this situation accurately. 

account XXXX paid closed

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 2018-06-25
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I'm being harassed with calls everyday on my cell phone which I didn't give them consent to call. In addition, a rude person is calling when I advised the company that I'm experiencing some financial difficulties and I will make a payment when I'm able to. Due to the frequent calls I'm now experiencing XXXX and 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 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On both the XXXX  and Transunion Credit Reports there is a duplicate in the derogatory marks area. There is a {$910.00} debt to XXXX XXXX XXXX XXXX that is listed twice. I want the duplicate entry deleted. That would leave 4 derogatory accounts. However, when I tried to file a dispute with XXXX online I was unable to submit the complaint. First they ask for a 10 digit confirmation number that they never gave me. Then I tried to file the complaint and the website would not accept it. Same thing with Transunion. They do not allow people to file disputes.

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