BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I submitted a complaint on the cfpb website stating that XXXX is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for XXXX hasn't addressed any of my complaints. The Fannie Mae website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with XXXX in the hospital. 
I'm an honest consumer who never had a late payment ever since 2015 What is XXXX gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

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 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.

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 2022-08-18
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:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2022-09-16
Company: CITIBANK, N.A.
State: NJ
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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
CITI XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Credit Denial : Unjustified Credit Denial by Barclay No legal justification for closing a credit card account : The account did not have any charges or missed payments or debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian put a " Security Alert '' on my account due to incorrect and false information they received from XXXX. XXXX purposely and maliciously assigned a non existant address to me. I have been fighting with XXXX for over a month about this and now they have reported the incorrect details to Experian and to XXXX. This matter needs to be solved and the false address completely removed from my account info ( on all three agencies ). XXXX XXXX does not exist. I live on XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 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 2020-09-30
Company: Experian Information Solutions Inc.
State: VI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My problem is with a Experian who continue to report false information on my credit report which cause me to be denied a loan to purchase a home for me and my family. I have written to Experian many times and they continue to do business as usual with out doing the proper investigation to prove 5hat 5he account bel9ngs to me. They obviously have no proof so they do what is easiest and write on a piece of paper verified while I am almost homeless. I am asking Experian to please delete all my information from 5heir computer data base and stop immediately from giving anyone false information about me. The derogatory information they are reporting is not mine so they must delete them. XXXX, XXXX, and 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 2022-08-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Repeatedly a debt collector started calling since XX/XX/2019, regarding a debt with XXXX for {$470.00} by a company called I C Systems. A company Ive never heard of have been harassing me to pay a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: RMB, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RMB Inc has posted an account on my credit report in the amount of {$5400.00}. I was covered under Alabama XXXX XXXX at the time of the service due to pregnancy. I believe that RMB should be pursuing Alabama XXXX instead of me for payment of this bill. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Santander Consumer USA Holdings Inc.
State: AR
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've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place. 
What I demanding right now is that the company delete this account/report immediately within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
I accordance with the far credit reporting act XXXX  account 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.

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 2016-02-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian refuses to delete a paid judgment. I sent them the document stating that the judgment has been satisfied, and according to NYS 5 year rule, it should be off my report. Experian told CFPB, that the judgment is not on my report, but that is a LIE, it is still on there and still marked as unpaid. This is my second complaint to CFPB, if Experian does not remove this judgment I have no choice but to sue. The judgment is paid, I sent them the paper that shows it is paid, I called the court, the court says it is paid, it has been 5 years I an a New York State resident, why is this still on my report? If Experian actually investigated they would know that the judgment is paid they obviously did not investigate anything. 
XXXX Experian Identification number {$14.00}, XXXX civil claim judgment XXXX XXXX XXXX. 
Date filed XXXX, 2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I disputed XXXX XXXX XXXX  account showing on my credit report paid and closed in XX/XX/XXXX. The account was paid in full over the phone in XXXX so I was disputing it because when I called the creditor to pay it I asked if I could pay it on the condition that it be requested by the creditor to be removed from my credit report. I have disputed this a few times. I called Experian after my dispute was denied and they told me it was up to the creditor to request it, confirming what I thought. So I called the creditor and spoke with a couple people. They said they dont have any record of my call in XXXX asking for it to be removed. I asked them to listen to the recorded call and they told me they didnt have a call. This is unreasonable since they have record that it was paid and I paid it over the phone. They also told me because there were late payments they had to report it accurately and it could not be removed from reporting because of that. That this was up to the credit reporting agency. I called back the credit bureau Experian and the gentleman told me thats not true. He said he has been able to remove even delinquent accounts with late payments as long as theyre paid. Contrary to what XXXX XXXX  told me, the credit bureau said it was done at the request of the creditor. This is not only misleading but its an obstacle to navigating credit reporting resolutions. In addition to the creditor falsely stating that paid accounts with late payments can not be removed according to the agreement made between the two parties, blaming this policy on credit reporting agencies and the failure of the creditor to keep records, the contact information provided to initially reach the creditor was also incorrect. I had to call 5 different XXXX numbers and get transferred multiple to these phone lines that were wrong numbers. Eventually I got the correct number which is XXXX. I was only able to get this number by calling an active XXXX  account I have and being transferred. I know the CFPB works to help consumers and I am submitting this complaint because it shouldnt be so difficult to navigate to try and find a resolution. Creditors should not give misleading or false information about why a dispute was denied or what recourse should be taken.

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 2022-08-18
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They had my parents number, which I have not lived with my parents in over a decade. My mom told them the first time that I didnt live there, and they called 3 more times. When I finally called today and explained what was happening, XXXX told me that didnt happen and no one called my parents house more than once. My mom took a message each time. They were very rude and dismissive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
ftc violations and case that pertaining to my case attached in XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Square Inc
State: NC
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:
This seems to honestly be a scam this cash app account had my XXXX XXXX XXXX checking account linked and someone cashed out money from my account. I did a bank dispute to close that account and get a new one but cash app now is saying they dont see that when clearly the bank did and closed my account. Transactions that I disputed and provided clear proof I didnt debit they are saying needs 45 days. I need help to get my money back asap

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please be advised that we have a short sale file opened with Wells Fargo Bank. WE have cleared all liens, and our buyer is going to walk if we do not get approval. The seller started the process long ago, and Wells continuous delays will cost them another buyer. WE have filed complaints with the senator, congressman, XXXX XXXX HUD 's contract and need additional assistance. The offer supports the best offer in the current economy. This is an FHA loan that will require mold treatment and a loss to the XXXX government and tax payers if the home is conveyed to HUD with a substantial loss to the XXXX government and tax payers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that they have on file that was used to verify the verizon accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' For some reason, Experian thinks sending me a letter stative " it 's been verified '', is proof of verification which it clearly is not. Please resolve this manner as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was unable to pay my loans secondary to financial hardship. So every time I would call navient the first thing they told me was to forebear my loans. I was never informed that interest unpaid would be capitalized. I have been paying on my loans for 3 years now and yet my balance is higher then what it was when i graduated college. It is very misleading information when talking to representatives. They always tell you, if you cant make a payment to just file a forebearance and make the payments in a couple months when you have the money. What they dont tell you is that the interest you dont pay capitalizes and you end up paying 10x more the money in the long term. Navient has never offered me any other option into repaying my student loans. The least they could of told me was that i should still make some type of payment contributed to my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, 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 2020-09-30
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of Santander, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against Santander for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation