BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Navient XXXX XXXX company report me 60 days late in XXXX. I have been literally harassed by this company and When I make a timely payment they reported me late and my wife 60 days late. After calling Navient to see why they reported me late I was told that it was a mistake and the negative information will be retracted. After waiting over 30 days this has not happened. Navient has lied to me stating and now I believe they are purposely trying to destroy my personal credit and create lies. I am asking that this situation be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are mistakenly reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had an account with XXXX XXXX from XXXX - XXXX. Account number XXXX On XXXX The account was paid in full. 
Since payment, XXXX XXXX has continued to report my account with payment history. I sent a letter to the credit bureaus to remove the payment history and when I looked at my account this month, not only is there additional payment history, but they are being marked as late as recently as XXXX. The car has been paid off since XXXX. I could NOT be late! 
I am trying to purchase a home, and these markings have derailed my qualifications. I demand they be removed 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 2017-10-13
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted my mortgage company roundpoint consistently over the past 2 months to try and resolve my escrow issue. I have asked repeatedly for a copy of my original documents to be sent to me but have yet to receive those, or find a resolution for my account. I have now been assigned to 3 different customer advocates none of which are ever available for calls nor do they return my calls. In the interim I have reached out to customer service to try and resolve this but have been told every time I need to speak with my customer advocate, which never pans out. I am unable to contact anyone or receive a response.

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 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute the accuracy of information contained in my consumer report issued by your agency. I recently obtained a copy of my consumer report and discovered that non-public information has been disclosed about me to a non-affiliated third party without my written consent. This practice is in direct violation of 15 USC 6802, which outlines obligations regarding the disclosure of personal information. 

Upon reviewing my consumer report, I noted that there are accounts, specifically XXXX XXXX  XXXX XXXX Account Numbers XXXX and account number XXXX, Also Credit Inquiries XXXXXXXX XXXX Inquiry XX/XX/ listed without my written consent. As per 15 USC 1681b - Permissible Purpose, I have not provided authorization for the reporting of this personal information. This lack of consent not only violates my privacy rights but also raises concerns about identity theft, as outlined in 18 USC 1028a.

I want to bring to your attention that I have already filed a report with the Federal Trade Commission, and my reference number is XXXX. I expect this matter to be treated with the utmost urgency and seriousness. 

Furthermore, I was not provided with the option to opt out of the items being reported, as is my right under the law. I request that you provide proof of offering me the opportunity to opt out, as required by law. 

In accordance with 15 USC 1681c-2, I demand that the following accounts, XXXX XXXX XXXX XXXX Account Numbers XXXX ( Account Type- Auto Loan ) and XXXX XXXX  XXXX XXXX Account Numbers XXXX  ( Account Type -Credit Card ) and Credit Inquiries XXXX XXXX Inquiry Date XX/XX/2023, be removed from my consumer report immediately. I emphasize that my dispute is not with the creditor but with your reporting agency for not obtaining proper written consent and failing to provide an opt-out option. 

I expect these accounts to be removed within four business days of receiving this letter, in compliance with the timeframes specified under 15 USC 1681c-2. Additionally, I request that your agency remove these accounts without invoking the method of verification, as the reporting was done without proper consent.

Failure to comply with this request may result in further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ). I am confident that your agency will handle this matter promptly and in accordance with applicable laws and regulations. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I disputed account # XXXX with LVNV Funding. The alleged original creditor was XXXX XXXX  according to LVNV Funding. I am applying for a mortgage and there is no XXXX XXXX XXXX  tradeline on my credit report. However, LVNV Funding has illegally RE-AGED the account. LVNV is fraudulently representing on my credit report that this account began in XXXX when I disputed it with them in XXXX!! This is causing me to have a lower credit score and affecting my interest rate. I demand LVNV delete this account and provide to me a letter deleting it so that I can provide it to the credit bureaus. If LVNV Funding refuses to delete the account, I DEMAND LVNV Funding provide to me complete accounting validation of the debt according to the Fair Debt Collection Practices Act, the Florida Consumer Collection Practices Act and the Fair Credit Reporting Act. Again, LVNV is ILLEGALLY RE-AGING THIS ACCOUNT TO DELIBERATELY HURT MY CREDIT RATING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have giving you written or unwritten verbal and nonverbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, I requested this credit reporting agency to remove several names and addresses on my credit report that I have never been associated with. They have removed some names however there are addresses still reporting on 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They have been sent numerus letters asking for a signed contract that they will not send to verify this alleged debt. They are hurting my credit and my good name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: ENCORE CAPITAL GROUP 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: Reporting company used your report improperly

Complaint:
This company listed below is in violation of the law. 
MIDLAND CREDIT MANAGEMEN XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$410.00} past due as of XX/XX/XXXX. 

Under section 15 U.S Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I did not give my consent or did any business with this company, they call me everyday harassing me, I can't work in peace!!

a debt collector is supposed to contact you only once during a 7-day increment.

Please have them stop calling me or I will press charges.

15 U.S. Code 1692k - Civil liability ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; Please do not violate my rights to privacy!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am XXXX XXXX XXXX XXXX  I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX  Inquired on XX/XX/2020 XXXX  Inquired on XX/XX/2020 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank Of West falsely accuse me of opening a checking account over the Internet during the time of employment. I contact the department that that was not me but I believe my manager disapproved of my work and decided to put me in check systems.

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 2022-07-14
Company: Forster & Garbus LLP
State: NY
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:
Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRUIST FINANCIAL CORPORATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received the attached notice in the mail. It is directed to : [ My name ] XXXX XXXX XXXX XXXX Ohio [ My address ] My personal name and  address are correct on the included document, but I don't know who " XXXX  XXXX  XXXX Ohio '' is, and I also don't have an account with Truist. 
I called Truist and was forwarded to the answering machine in their fraud department. I was supposed to receive a call back within 48 hours but didn't.

I am now abroad and saw on their web site that for fraud cases, the procedure is to report the fraud to the FTC. 
That is why I am submitting this 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 2022-07-14
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice for a " XXXX '' account. 
I have never used or heard of this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have made XXXX attempts to have a fraudulent account from Common Wealth Financial removed from my credit profile. I was never contacted by them however, I have reached out to them via certified mail once I discovered the account on my credit and they have yet to respond or communicate with me- but they are telling the credit bureaus the account is mine. 

Also it appears the account is for a medical bill when I have also be insured without any interruptions and I work XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended 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 2021-12-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have tried to fix this problem with all companies including XXXX major reporting Bureaus Equifax, XXXX, and XXXX with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XXXX I am demanding these accounts be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Just find this morning XXXX XXXX inquiry was made without me known, I did authorized this inquiry, therefor I want it removed, it lower my score with XXXX by XXXX points, please removed this inquiry and I notice more inquiries that are not mine XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX I do not recognize neither and did not authorized, there for I want them removed and deleted from my XXXX and XXXX, I been working very hard to fix my credit report of all inaccuracies and unauthorized transactions, thank you this inquiries are in my XXXX and XXXX  and also 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 2015-10-21
Company: Empowerment Ventures, LLC
State: IN
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
Rushcard has not deposited my money for the second time last week they did n't do it I had to wait a day for my funds I was n't able to pay my bills at all. Also charging me for fees they never charged me for before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
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: Their investigation did not fix an error on your report

Complaint:
Dear XXXX, Equifax and XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681.

1. Account Nome : XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

2. Account Name : DeptedXXXX Account Number : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

3. Account Nome : XXXX AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : XXXX AccountNumber : ending in XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

4. Account Nome : US Dept of Edu AccountNumber : XXXX 15 U.S.C. 1681 in 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states aconsumerreporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a payment online to Green Tree. They replied back about a week later saying the bank XXXX did not have enough funds to cover the mortgage payment. The letter states I owe them {$25.00} is processing fees and know the payment is late so I have late fees as well. Of course there was more than enough money in my account at XXXX. Green Tree has no said they will no longer take online payments or checks from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: Radius Global Solutions LLC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft which I reported XX/XX/2019 ( case # XXXX XXXX Police Dept ). I became aware of the fraudulent auto loan when I tried to purchase a vehicle and the sales person questioned me about the other auto loan on my credit report. Since then I have worked diligently with the with the dealership to understand and resolve this false account in my name and to clear my credit. I worked directly with XXXX XXXX at XXXX XXXX XXXX ( acct. # XXXX ) which resulted in release of any financial responsibility to the auto loan and the loan was also removed from all three credit bureaus on XX/XX/2019. Several months later I began receiving harassing calls and letters from Radius Global Solutions LLC ( # XXXX & # XXXX ) in reference to the fraudulent auto loan which they incorrectly list as account # XXXX with the same information I have provided you and I continue to receive calls and letters in the attempt to collect on debt that has been a result of identity theft.

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