BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
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 fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( do not list over 5 accounts and 6 inquires ) XXXX XXXX XXXX # Accounts # has violated my rights.

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

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without written consent.

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 2015-10-01
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XXXX XXXX XXXX, 2014 I received a call on my landline phone from XXXX XXXX XXXX XXXX on behalf of Sallie Mae XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call themselves Steller Recovery saaid call them back at XXXX. I have to unpaid debts. This is a robo call and they call once or twicw a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Immediate Credit Recovery
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been paying in my student loans for years and my taxes have been taken ..I started to question who 's loan this is since I have not been in college since 1989 and I wanted a pay history of all the payments that have been made because I could n't possibly still owe almost $ XXXX dollors still so when I was dealing with them dept of edu and I started questioning the debt all of a sudden I get notice I am with a collection agency and now I cant deal directly with the dept of edu any longer I have to deal with the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 writteninstructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the followingitems 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 reason o

f error 15 usc 1681b -creditor use my report for impermissible purpose, creditor need a valid reason for doing so 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 15 usc 1605 finance charge is sum of all charges included late 15 usc 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos
e

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 2017-07-13
Company: Innovis
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
The cbc Innovis have refused to provide all personal reporting that has been done on me. I have contacted the beaua a total of 7 times. Each time I call they say that i must call back even within business hours. It unfair to hold information that bring me to a stand still in life. No fairness to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX setup services at my location at XXXX, Florida XXXX. However, their services were never used as I had never received a modem. XXXX has billed me for their services even after speaking with a Manager in their call center, and I 've been getting continued collection notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Carter-Young, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Carter-Young, Inc.XXXX, GA XXXX, Local : XXXX Toll Free : XXXX My minor child and I were in an XXXX accident in XXXX of 2012. We have an attorney. The attorney notified all of the medical companies. Carter-Young, Inc filed a collection notice on my credit. I called Carter-Young, Inc. and explained their mistake. XXXX XXXX gave my son 's name and birth date and specifically told me she was attempting to collect on debt on my minor child. Using the words " minor child. '' When I explained that to her that that is against the Federal Trade Act she got upset. I gave her the attorney information. She said she would call the attorney. I asked her six times when they were going to remove the collection notice. She did not respond to me. She hung up on me. 
I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and XXXX XXXX did not attempt to verify my mailing address, email address or telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: IL
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  Account # XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and 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 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently contacted Bank Of America for a dispute, and told me it could n't be done! I said What! I had {$210.00} taken out of my account, and it was not authorized by me. XXXX took the funds out my debit, and my wife 's! They should of just been from my wife 's account not mine! I just noticed, Because I am - {$72.00} and I said how! So I call and the guy tells me I ca n't do anything for you right now! I do n't know if Bank Of America does n't like me for filing a complaint on the way they handled my case before! I love this bank and I hate to fill these complaints out, but I do n't have much money and ca n't afford these set backs, and crazy fees, and shadiness these banks do!

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 2015-06-19
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Other

Complaint:
I contacted Barclay 's bank in regards to them lowering my line of credit after I had made a large payment of {$3200.00}. I asked the representative ( XXXX XXXX ) if my line of credit could be re-evaluated and he stated " We can re-evaluate for some, but not others. '' This statement made me feel that Barclay 's is not lending fairly and consistently to all their card members. When I asked him why that was he just kept repeating the reasons of why my line of credit was lowered. I asked to speak to a supervisor and was transferred to ( XXXX ), when I asked XXXX why Barclay 's could reevaluate the line of credit for some but not others, her response and excuse for his statement was that " it may have been a language barrier due to XXXX being in the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My ex husband and I had a finalized divorce in XX/XX/XXXX. Before that I was not living in the home since XX/XX/XXXX. XXXX XXXX XXXX was our mortgage lender and because my ex husband got behind on payments Selene Finance bought the mortgage. In our divorce agreement I was to get a quit claim deed and my ex was supposed to submit that to have the mortgage refinanced and taken out of my name. Well because he was behind on payments, and I have proof I was n't in the home since XX/XX/XXXX, the modification did n't go through with XXXX XXXX XXXX. Selene Financial bought the mortgage and keep giving us the run around. My name is still on the mortgage, therefore, causing my credit to plummet. I have contacted them and they have tried to now give me information but when I threatened them with a lawyer then they keep sending the same messages about the modification was denied and they will resubmit. Needless to say my ex has n't made payments on the home since XX/XX/XXXX!!!!!!!! This is very upsetting to me and I am ready to get some justice, get this house out of my name, and move on with my life. I am contacting you for help. Please help me in any way you can. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TN
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 attempted to have Equifax, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The two most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though Equifax only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XXXX XXXX, 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
My

initial communication to LexisNexis was a written dispute of a Bankruptcy listed in my credit file. This entry is inaccurate and I requested procedure ( s ) used to verify this information as well as disclosure of who and where this information was obtained. I haven't received a response ( 30 days ), so I mailed a follow up letter via certified return receipt mail requesting a response as well as requesting the deletion of inaccurate names and addresses I found listed on my LexisNexis credit report. Initial and Follow Up letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX is in violation of 15usc 1681 section 602a. They violated my privacy by sharing my transactions without my written consent. XXXX is also. Further is the violation of 15 usc 1681 section 604a section 2. Please remove this account and its history off my consumer profile.

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 2016-06-02
Company: PINNACLE RECOVERY, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I own a fully paid for timeshare unit at XXXX XXXX XXXX in XXXX XXXX XXXX. I was late paying the annual maintenance fee for 2016 ( the last day for payment was XXXX/XXXX/2016 ). The account was assigned to Pinnacle Recovery for collection. I paid the timeshare management company ( original creditor ) the 2016 maintenance fee plus interest and the original creditor 's late fee in XXXX 2016 directly by check. The check was cashed. Pinnacle Recovery is continuing to call and send me letters for an additional $ XXXX dollars ( which appears to be their service fee above and beyond the original debt ). Since I live in XXXX, the original creditor is in XXXX and the timeshare is in the XXXX, I am not sure which state law I am subject to regarding my obligation, if any, to pay the collection agency 's fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I FULLY INTEND TO SEE THE HOUSE MY SS # & MY NAME WAS USED TO BUY IT! 
FTC TOLD ME THAT PERSON HAS BEEN USING MY SS # & NAME SINCE XXXX! 
WHY COULD N'T THEY STOP IT 25 YEARS AGO????????????????? THINK THEY WOULD MIND IF I MOVED IN WITH THEM????????????? 
I PROBABLY WILL NEVER FILE ANY KIND OF TAXES AGAIN! SINCE THEN,XXXX, COMPUTER HACKED ALONG WITH HOMEPHONE & CELL. DO N'T THINK ITS LUCK!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! THE GOVERNMENT JUST DO N'T CARE ABOUT US REGULAR PEOPLE THAT WORKS FOR A LIVING, BET THEY WOULD FIX IT SOMEHOW IF IT HAPPENED TO THEM, LIKE XXXX XXXX, OBAMA OR EVEN OUR BELOVED HOUSE SPEAKER? HOW WOULD IT FEEL TO BE STILL WORKING ON GETTING YOUR XXXX TAX RETURN BACK IN XXXX? JUST ASKING XXXX, YOU THINK???????????????? 
MY CREDIT SCORE WILL NEVER EVER RECOVER NOW THAT I 'M XXXX YEARS OLD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2016-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently disputed information on my Experian credit report that I either have no knowledge of and or duplicate accounts that are reporting on my credit report. I also disputed incorrect addresses and names that I am not known by or ever used that are reporting on my credit report. The only address that should be on my report is XXXX, ga XXXX. My correct name is XXXX or XXXX XXXX XXXX which are the only names I have used. I have several student loans from the dept of education, aes and naive to reported duplicate accounts that have been consolidated. This is hurting my credit scrore preventing me from getting a home loan. I have XXXX duplicate accounts reporting from XXXX XXXX XXXX that I have no knowledge of and XXXX account from XXXX XXXX that I also have no knowledge of.

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 2022-10-16
Company: Experian Information Solutions 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:
I signed up for a payday loan a few months ago and when I just checked my credit report I saw a number of inquiries from different lenders running my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have an account at Bank Of America and I was charged for going over the limit of transfers in between my savings and checking in the total of {$60.00}. I was never ever informed via paperwork email or online or otherwise so I was trying to get my {$60.00} back that is it. So in order to resolve this issue I would like my {$60.00} back and then I will go to another bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MI
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 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 XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 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 XXXX 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 XXXX 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 depressed now.with no help.

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