BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased XXXX on XXXX that were for parts and made an offer on the machines with the malfunctions described by the seller. I expected full disclosure but when I received the units they were broken in very different ways than described. In fact they are a collection of broken parts and are missing parts that specifically were supposed to be there. I tried to communicate with the seller but received no answer, the seller instead calling XXXX and escalating the case. On his doing so I got an email and a few min later I got an email that the case was decided against me. XXXX never even asked for my input. I called XXXX and appealed their decision. The man on the phone asked me if I had to open the devices to learn of this deception, I said yes and he then told me that the case appeal was not found in my favor as opening the devices was against the rules and could not be returned after this point. The units did not even have screws in the bottom plates. They are parts and the parts that the seller said were good are not. They are missing components. I sent pictures to prove this and they told me it only proved that I had disassembled the units. So I appealed to XXXX the administrator of my XXXX extra rewards XXXX by calling the number on the website and filing for a resolution there. They rubber stamped the XXXX decision and ruled against me. I then tried the issuer of the card Synchrony bank, They told me I have no rights related to this issue as the seller was to far away and I already settled the debt as to not incur any additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
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 Debt Reporting Act. 

XXXX XXXX account # XXXX has violated my rights. 
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 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
This matter arises out of a consumer credit transaction with NAVY FEDERAL CREDIT UNION in which I am demanding that you cease and desist from disclosing my nonpublic personal information to all nonaffiliated third parties which includes XXXX, XXXX, & XXXX. 

As the law states, 15 USC 6801 ( a ), Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

NAVY FEDERAL CREDIT UNION does not have my consent to share my nonpublic personal information and if there is any disclosure in your agreement giving you that option to share my nonpublic personal information, I request that you show me in the same agreement where you provide me the option to opt out of sharing my nonpublic personal information. 

Pursuant to 15 USC 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

As 15 USC 6802 ( b ) states, Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given 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. 

NAVY FEDERAL CREDIT UNION, your financial institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) without giving me the opportunity to direct that such information not be disclosed to those third parties above. You have infringed upon my right to privacy and violated federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Address indentification number : XXXX, Single family XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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 Account, XXXX Account XXXX XXXX Account XXXX XXXX  Account, XXXXXXXX Account 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 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 2022-06-02
Company: EQUIFAX, 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 Account, XXXX Account XXXX XXXX Account XXXX XXXX Account, XXXX  Account 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 2016-06-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted XXXX XXXX who removed them all which raised my score and reduced my number of inquiries. I contacted Equifax and they said they are factual. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of identity theft by a collection company called XXXX XXXX  XXXX and now by the Credit Bureaus Experian XXXX XXXX and XXXX, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) XXXX to cure letter ( attached ) why the XXXX XXXX XXXX wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.

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 2015-12-01
Company: Ditech Financial LLC
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with Greentree, now Ditech as the second lender on a short sale since XXXX 2015. We received approval from the XXXX lender in XXXX 2015 and this was forwarded to Greentree along with a full short sale package, then resubmitted on XXXX XXXX, 2015. For the next 28 days I have submitted and resubmitted the same documents no less than 3 times with no comments or response to the documents until after my approval from the XXXX lender expired. on XXXX/XXXX/15 we were advised by email that our file was closed because we did not submit the documents that had been requested within 30 days. I have all of my outgoing emails to the nongse email address verifying that all that was requested was submitted and that there were no requests for anything additional or any corrections until XX/XX/XXXX and XX/XX/XXXX at which time we were told that we had 24 hours to return the documents that were being requested. This is a violation of CFPB regulations for loss mitigation servicing and it is the same violations that lead to the national settlement. They have delayed reviewing my file for approximately 5 months and then claim that I did not submit the required documents the day that my approval letter from the XXXX expired. Today I had a manager review the file and all of the documents that had ben requested were there. I then had to go over all of the income statement by statement to show them that the RMA was correct. I do not understand why I was doing their job for them, but in the interest of getting this approved, I took additional time to tell them on what page of the pdf they could find the income statements that match up with the bank statements and also the RMA. The final straw came tonight when I received a counter offer for {$580000.00} for a property that is worth {$430000.00}. the XXXX loan is XXXX so effectively what they have done is countered so that the XXXX and XXXX loans will be paid in full with no basis in actual market value of the property. The comps support an offer of {$430000.00}, we submitted a successful value dispute to XXXX when they countered at {$470000.00} and they agreed the property is worth {$430000.00} and issued their approval. I need help escalating this issue as I believe that this current response is retaliatory for my threat to file a CFPB complaint and the fact that the manager could see that the assigned negotiator failed to do what she was supposed to do so they want the file closed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, XXXX I submitted a short sale application to Ditech. I was represented by a law firm. I submitted every document that Ditech requested to the law firm in a quick, timely manner. I submitted documentation, to the rep. for a total of 18 months. I had two buyers in a contract to purchase the home for the amount that was requested by Ditech. I am a senior who is facing expensive medical issues many of them are due to the stress that was associated with the long drawn out process of being denied to short sell the property. 
I have been in a financial struggle for two years. In spite of having two loan modifications, it was not feasible for me to keep the property secondary, to expensive maintenance, and high HOA fees. I am retired and have been living on a fixed income for the past 8 years. I had the home on the market in XXXX & XXXX the home appraised at {$310000.00} I have two mortgages on the home. I could have paid the home off prior to the recession and would have satisfied both loans. I retired in XXXX and kept the home for eight years until it became too expensive for me to keep. The same home in the XXXX of where I resides did not lose value during the recession the home built by the identical builder is appraised at {$400000.00} today. This is truly unfair. My home 's value plummeted to {$130000.00} during the recession. The appraised value today is {$160000.00}. 
Ditech, decided to foreclosed on the property on XXXX XXXX XXXX. I was never given a reason as to why the home was foreclosed on. I have an unheard of credit score. I have never paid a bill late or missed one. Ditech did not take my credit score into consideration. I have been treated unfairly by Ditech, for almost two years.There is no justification for not allowing me, a XXXX retired, widowed senior, who served this country for over 40 years as XXXX am a XXXX, my home which I invested my life savings into should have never been foreclosed. Now my credit record is ruined. I have requested a Deed-in-lieu however, I was informed that it is too late for Ditech to stop the foreclosure. Green Tree formerly, Dietch was fined {$63000.00} XXXX dollars in XXXX, XXXX for mistreating customers. They reorganized and changed their name to Ditech and the unfair treatment of customers, continue. I am requesting that CFPB conduct an investigation against these destructive practices that Ditech is employing against innocent American citizens especially seniors. 
Please protect me. 
Respectfully,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was sold to a company called ditech. In our initial letter about the transfer it says expressly that because we were enrolled in autopay with the previous bank that would roll over and continue happening automatically. Needless to say, a month went by and we became concerned because that did not come to fruition. It also says under Federal law during the 60 day period of the loan transfer, payments may not be considered as late. Well, we have sent them a payment which I see debited from my checking account and I see in my ditech online account, and yet they are sending me letters threatening me already with foreclosure, claiming we have made no payment. I 'm not exaggerating, I 'm keeping records of everything. Also, they are maintaining we owe another payment for the month even though the payment we made is clearly in the account. I 've read XXXX horror stories about this company. How is the government not protecting the consumers here, and allowing this bank to continue its shady practices? This is a horrible feeling having no choice in the matter and being stuck with a bank this bad.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX XXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : States that 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 2016-10-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This communication is in reference to Experian Credit Reporting Agency, in regards to mishandling of my credit report and allowing information to remain on my file. I have presented documents receive from data furnisher to Experian. They still have not deleted the information from my credit file according to Federal law ( FCRA ). I have sent several certified mail/ return receipt requested dispute to Experian. Recently, I even sent a dispute to the CEO of the company XXXX XXXX XXXX. I can not understand why the following accounts " XXXX # XXXX & XXXX XXXX XXXX # XXXX have been permanently deleted from Transunion and Equifax reports, but remains on Experian. Even after presented relevant documents and copies of other XXXX Credit Reporting Agencies showing deletion of the same accounts. I do not deserve to have misleading information continue to report on my credit file after presenting proof to Experian and know response to several certified mailings within the last 60 days or more. They have ignored my disputes and any/all documents pertaining to my query. Something seriously needs to be done about the American Credit Reporting System. Creditor 's and Credit Reporting Agencies have ben unfair to consumers for to long. Failure to comply with federal regulations by credit reporting agencies are investigated by the federal Trade Commission section 15 USC 41, et. seq..Please assist me in any way possible to get this matter resolve amicably. Thanks for your time and attention in regards to this urgent matter. I am trying to refinance my house, the bank do not want to see inaccurate information on my credit report. I am running out of time. I have be dealing with this issue for sometime now. These are the same companies that was on my other reports, Explain why Experian is still listing this account on my file.

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 2016-12-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom this may concern, I usually make my payments via bill pay from my bank, so this way, I wo n't be late. XX/XX/XXXX, due to a change in escrow account, the usual payment that I 've made went straight to principal instead of being counted as a payment. And because of my bill pay, I do n't look through my statements every month. I did n't realize there is an increase in my Escrow account till XX/XX/XXXX, which is already too late. They have already added a 30 day late on my credit report, and may be a XXXX one. 
I tried calling Ditech mortgage this morning to explain what happened and they would n't reverse what has been done and said their credit department can not reverse it because it is not caused by Ditech.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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 Debt Reporting Act. 

XXXX XXXX account # XXXX has violated my rights. 
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 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.

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 2022-06-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a possibly fraudulent email and entered in my information. Here is the link I was sent. No money has been taken yet but I am now worried that a possible breach may have occurred. 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 2016-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX NA XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX XXXX/XXXX/XXXX Banking

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