BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-15
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have previously contacted the CFPB about repeated harassing t elephone calls from Navient. They have responded to my request to stop their calls through the CFPB. Navient responded on  XXXX /17 with the following response. " We do not have an account for you that we are able to locate, nor any record of your phone number in our system or calls to the number provided in your CFPB response. We have added your number to our do not call list. '' Navient continues to call my telephone number. Navient makes illegal harassing calls, and makes false statements to me, and the CFPB. Can any other federal agency address this issue. I can not be the only victim of Navient 's ill egal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: DAIMLER TRUCK FINANCIAL SERVICES USA LLC
State: MS
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
I'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO 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
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX and XXXX  XXXX XXXX are reporting negative accounts on my credit reports. Not only are they reporting false information the information that they are reporting is not mine information. I called and spoke with the creditors and requested they provided me with documentation showing this debt belongs to me. After further review of the paperwork they have a different social security number on the contract. I called the credit bureaus to report this inaccurate information and they failed to follow up. They stated the information was verified. I sent in a copy of the contract from the company showing the social security number on the contract does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I added a new bank account for payments to my online account so that i can continue to make my on line payments just using my new checking account. I also schedule a payment to be made from this new account. I received a conformation email stating that the new account had been added to my capitol one account successfully. An hour later i received a conformation email stating my payment had been scheduled successfully. The next y XX/XX/XXXX, after going through my bank account and realizing the payment had not cleared my NEW bank account, it was brought to my attention Capitol one withdrew the funds from my old bank account that did NOT have the money in it to cover the payment. So now not only is my old account short the payment amount, but it was also hit with an NSF. I called capital one who for the longest time couldn't even tell me that i added a new account. When they finally could see that, they were not willing to help me in any way stating that I choose to make the payment from my old account with no money in it. Im in the process of closing out that account, I did NOT authorize payment from my old account. I need this account fixed. The customer service for XXXX was so disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: OH
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  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) account # XXXX, and XXXX XXXX ( Original Creditor : 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Marlette Funding, LLC
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:
I Consumer, XXXX XXXX extended credit to Best Egg/XXXX XXXX XXXX entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. 

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting that the Best Egg accounts listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit account is missing {$1500.00} I never withdrew this amount from my account. 
Bank of America informed me that someone attempted several times to check the balance from a XXXX XXXX ATM and then withdraw the money from Bank of America. 
I informed them that my debit card was in my possession at all times and that my pin was only in my memory, and I had never shared it with anyone. Also, I never pay for anything with my debit card and never enter my pin in front of anyone or caution I need your help as Bank of America is informing me that it could take up to 90 days to resolve this matter, and I can not afford to wait that long as I pay for my food with this money, especially because I am not responsible if someone compromised their ATMs, systems and information. 
On top of everything, we do not decide where to receive our XXXX payments as the only option is Bank of America, but they are not doing enough to protect our money and we count on this reduced income to pay for our necessities. 
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 monetary relief
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: PA
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 received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: MD
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:
There is an account on my credit report ( Equifax only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on Equifax again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX  this year. I have disputed these two account with Equifax and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. Equifax should not be a trusted agency for being responsible for people credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: WA
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple attempts to give in to this complaint but then I think my appeal has been overlooked. I am positive that Original creditor : XXXX is reporting mistakenly in Equifax. I do not recall having this account with this company. I dont think there is permissible agreement between this company & myself. I would like you to offer me provable proof this account belongs to me. I request a signed bond which will prove a legal arrangement. Please confirm this information and provide me with copies of any documentation related with this account which bears my signature. In the nonappearance of any such documentation bearing my signature, please delete this promptly. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion and I have been turned down for a credit due to mis-reporting information. I have complete knowledge of the Fair Credit Reporting Act and understand that Transunion has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The other credit reporting agencies found inaccuracies with information listed and updated without incident. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/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 2017-06-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning CFPB- I first want to congratulation CFPB for your good work. I am not the only one under attack. We need  Congress  to come to your assistance!  <P/> In  XXXX  I lost my   XXXX   XXXX   due to the economic downturn, which also dried up my   XXXX   XXXX   XXXX   XXXX  . My home loan was with   XXXX   XXXX   XXXX  , and they could have exercised one of  4 options : 1.  Putting the missed payments/penalties on the back end.  2.  Interest only with a balloon. 3. Conversion a  40 yr loan to a 50  yr. loan. 4. Complete write off. These are options applied to other customers but not to me.   I hired a lawyer from  XXXX  to act on my behalf, the result being  XXXX  slapped a sale date for  XX/XX/XXXX , and passed me off to  Shellpoint  Mortgage. In the  2  weeks I have been with Shellpoint they have switched the ( required  ) s ingle point of contact representatives 3 times, I have never been able to speak to any of them, and they do not answer their phone. And on  2  occasions, when I called into the general phone number, both times the call was disconnected mid -conversation. Starting yesterday, I faxed in the required docs, and all  3  fax lines were busy. This is a deliberate tactic to let the clock run out until the auction date   XXXX   XXXX  .   Further, the California  Bill of Rights for Homeowners  requires that a bank can not practice " dual tracking. ''  XXXX  did not abide to this rule and Shellpoint is showing signs of doing the same thing. My attorney at the time requested a 90 day suspension from this sale date but  Shellpoint  has not responded to his letter nor have they returned his calls.   Another issue is that homeowners have the legal right to access their investor.  XXXX  and Shellpoint both name   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  denies being the investor. Here is the language :   XXXX   XXXX   XXXX   XXXX   XXXX   as Trustee for the Certificate Holders of the  XXXX   XXXX . The pre-recorded phone number for  XXXX  also states they are not the investor.  XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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 2022-03-31
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:
In accordance with the Fair Credit Reporting act 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

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 2017-06-15
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX   XXXX  sent me a letter on  XXXX   XXXX ,  XXXX  stating I owed {$280.00} to creditor LVNV Funding LLC. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on  XXXX   XXXX . No one respnded to my letter. I received a similar letter on  XXXX   XXXX   XXXX  with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: PA
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:
Experian needs to fix the issues about the inaccurate information for the unauthorized inquiries and personal informations reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and personal informations that I am disputing : Personal Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2022-03-31
Company: EQUIFAX, INC.
State: OH
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 ) has violated my rights. 15 U.S.C 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX a dispute was raise with Comenity Bank to get a refund on flights that was purchased. I was following the guidance of federal and state officials not to travel. The dispute was denied. I then called on XX/XX/25 and spoke to XXXX to redispute and was told that the dispute was resubmitted. I allowed over a month for the matter to researched and resolved. When I followed back up a month later was told that the dispute was not raised. I then spoke to XXXX on XX/XX/XXXX and he told be that he would resubmit the dispute the charge. I was then immediately denied without the ability to explain my position. I have attempted to work directly with XXXX XXXX  and they are not returning my calls. Comenity Bank has not work with me in " good faith '' and has failed to assist in my requests. They offered travel credit but due to my age and health conditions, I will not be able to travel for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation