BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter to XXXX, Experian, XXXX, and XXXX on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, Experian, XXXX, and XXXX have 30 days to respond to my dispute this is a violation of my rights

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 2023-05-23
Company: Experian Information Solutions Inc.
State: MN
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 purchased a dress from XXXX and returned the dress. I have proof of the return. 
The purchase remains on my XXXX account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) XXXX has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. XXXX continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX). 
I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.

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 2023-01-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 Navy Federal has violated my rights. 
They are reporting inaccurate late payment information from XX/XX/2022. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section 2 : 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 end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: DC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Background : I have been dealing with the repair of a roof leak that caused major damage to my living room and XXXX of my kids bedroom. I sent money through XXXX to the first contractor for the roof in 5 payments in the last month ( I asked wells fargo if this had an affect they said it shouldn't have ). Yesterday I added a new recipient my and Wells Fargo did not let me send the allotted daily amount of XXXX to my tile installer who was replacing moldy carpet for my displaced children. I called them this morning to ask them to please send the allotted daily amount for yesterday and less than the allotted amount today ( for a total of XXXX but would have been no more than XXXX. I called at XXXX a.m. to tell them that I needed the money for my housing needs during a catastrophic event and mind you I have more than XXXX figures in my accounts. Both the employee and supervisor I have one of their names denied the request. 

I told them during the XXXX XXXX. phone call that if they do not let me manage my money and I had to go down to the bank, I was going to demand all my money and that I didn't want to deal with the delay tactics they always pull. I tried to pull my money out with them a few years back for something mundane they wouldn't do. I go at XXXX XXXX XXXX. to the bank and I have the banker helping on the line. While the cashier did comply, I got the same tactics as before from three to four different people a gentleman telling me it wouldn't be safe to leave with that amount of money. They wouldn't transfer they wouldn't my money they wouldn't close the accounts. I had to ask twenty questions to and finally say okay fine leave a dollar in my account for each account. 

I'm complaining because as a woman, maybe also as a XXXX woman, I wasn't allowed to cover my basic housing needs for reasonable amount to cover home repairs. this is discriminatory retaliatory and .. You can imagine my surprise and I get home and this XXXX couple from XXXX XXXX was allowed to transfer XXXX ( I have a lot of more than that to a scammer ) via XXXX. 

https : 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 2023-06-13
Company: Experian Information Solutions Inc.
State: WV
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:
The reports from all three ( 3 ) agencies have multiple wrong addresses listed for the Students for XXXX XXXX XXXX. I called Experian and I've emailed a copy of the attempted changes to XXXX and the wrong addresses are still listed.

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 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hi, I am a XXXX XXXX  who was a victim of fraud. Years ago I received an email from a lawyer company stating I was a victim of student debt collection fraud. Years have gone by, I never heard from the company but what I attempted to do was call Bank of America at the time about the automatic payments I was paying over the year ( s ) to pay off my college loans. They said I needed to get in touch with Rams payment services. At that point it was too late. The company had changed all their information, I was locked out of my ramserving.com account and Bank of America refused to investigate. It had been maybe 2-3 years, post automatic payments of $ XXXX. To be exact XXXX. The website of the company that emailed about the student debt collection fraud was : XXXX XXXX XXXXXXXX They were horrible at keeping up with those we were scammed. As of today, I never heard back from them. 

To my surprise, today I found out Bank of America was forced by CFPB to pay out those who were scammed for student debt to that same exact company! My heart sank when I read the article because, I struggled to pay those student loans. I worked over time, and I was a XXXX XXXX. I literally left my kid with a sitter so I could pay off my loans. Here is the article : XXXX XXXX XXXX I have all the proof in my email. I never deleted just in case one day I would have an opportunity to get my money back. Can you please assist me in getting my hardworking money back? The deductions are on my bank statements, and I have the emails to prove I was paying.

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 2023-06-13
Company: Radius Global Solutions LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone used my information to get utilities in my name without my permission and never paid the bill.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: SYNCHRONY FINANCIAL
State: AL
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:
I have bought gold jewelry from XXXX XXXX XXXX XXXX and I paid with my XXXX XXXX XXXX card which is provided by Synchrony Bank on XX/XX/2022. I paid XXXX dollars for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but what I received from XXXXXXXX XXXX XXXX was a gold plated XXXX gold bracelet that is also XXXX inch in length instead of XXXX inch and XXXX mm thickness instead of XXXX mm so the item I received was NOT as described on the seller XXXX website and it is NOT XXXX solid gold but only XXXX plated gold so XXXX XXXX jewelry sold me an item that is NOT what I paid for and not as I ordered and has a lot less gold in it and different length and thickness. I contacted XXXX XXXX XXXX to return the item and get a full refund but they never responded to my issue and never resolved the issue. I disputed the charge with synchrony bank but synchrony bank has not credited my account and has done nothing to resolve the dispute. I was scammed by las villas jewelry for XXXX dollars and synchrony bank should give me a permanent credit for the amount of XXXX dollars but they never did. I was sold an item that is NOT what I ordered but is XXXX gold instead of XXXX gold and different length and thickness. I want a full and permanent refund to my XXXX XXXX Master card for XXXX dollars .and synchrony bank is not resolving this dispute to my favor and has done nothing and never refunded me. The charge is from XX/XX/2022 for XXXX dollars from 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 monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-12
Company: SYNCHRONY FINANCIAL
State: DC
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:
XXXX claimed in CFPB case # XXXX that " In accordance with the Fair Credit Reporting Act, entities who have certified to XXXX that they have a permissible purpose may inquire about credit information. '' SYNCB/XXXX XXXX XXXX  did not have a permissible purpose to inquire about credit information. According to federal law, XXXX must be able to verify that SYNCBXXXX XXXX XXXX  had a permissible purpose and, if none exists, must remove the hard inquiry from the report within 30 days. The consumer has verified from their end that there was no permissible purpose. Via phone, SYNCB/XXXX  & XXXX claims that someone applied for credit using XXXX 's credit report, which would be illegal without XXXX 's XXXX consent ; SYNCB/XXXX XXXX  XXXX already acknowledged this but has not taken action to fix this. XXXX 's reply to CFPB case # XXXX also states, " Please contact your local Attorney Generals office for further information regarding your specific state laws. '' The consumer should not have to go to their local Attorney General 's office before XXXX provides a non-templated/canned reply, as they did in CFPB case # XXXX, to the consumer complaint. 

SYNCBXXXX XXXX XXXX shows up as a hard inquiry on my XXXX credit report. SYNCBXXXX & XXXX had no lawful reason to perform a hard inquiry on my credit report nor did XXXX diligently prevent unauthorized or unlawful access to my credit report. SYNCB/XXXX  & XXXX Additional details Business type Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2023-05-23
Company: Experian Information Solutions Inc.
State: IA
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:
In accordance with the fair credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX XXXX acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX adjustment acct # XXXX, XXXX collection acct # XXXX, XXXX collection acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602A 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 insructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the in information is inaccurate.

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 wich antedates the report by more than seven years.

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 2023-01-20
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered into a Covid payment deferment plan with XXXX. I had two conversations with them to ensure my payments would be temporarily paused. My account was subsequently transferred to a shellpoint mortgage servicing company and reported as past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation