BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
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:
I have contacted both Experian and XXXX about this matter, however they have only responded with a templated letter stating they verified. But I requested they provide me details of how the claim to have verified and to whom they spoke with and the contact information. To date I never received this information. The accounts associated are 1. XXXX XXXX XXXX  XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX XXXX Account Number : XXXX 4. XXXX XXXX  Account Number : XXXX 5. XXXX  XXXX Account Number : XXXX 6. XXXX  Account Number : XXXX I do not know the details of these items which is why I requested the method of verification from the credit bureaus. 

My attorney guided me to filing this complaint. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navient is a student loan debt, collecting agency which has sent me numerous postal and digital correspondence attempting to collect a debt. I responded on, XX/XX/2022, by simply asking for this company to provide three things : validation that this debt belongs to me, verification of this debt belonging to me, and for a copy of the original contract containing my signature and the signature of a Navient authorized representative. Since then Navient notified me, XX/XX/2022, that it had started a credit fraud investigation, untruthfully stating that it's per my request, on XX/XX/2022. I never requested this. Navient has sent via postal mail dated XX/XX/2022, a documented list of loan disbursements, interest accruals, and a promissory note. Neither of the aforementioned documents validate or verify that this debt is mine nor does a promissory note equate to a contract ; note, this was my postal response to them on XX/XX/2022. The promissory note contained the printed name XXXX XXXX XXXX, but no signature from either side. If this is a legitimately, legal business, there should never be an issue with providing, verification, validation, and the contract. Paying what I owe legally is desirous, but paying without legal validity is consumer abuse. As of today, I have received another digital correspondence from Navient dated XX/XX/2022, stating they have begun another credit investigation. I did not request this either. This " company '' is using its resources to degrade my credit and threaten my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I saw on my checking account online that two electronic checks for {$1000.00} and {$2000.00} were cashed on my Huntington Nat'l Bank checking account. 
I contacted the bank and we put the account on hold for 90 days, their policy, and opened up a new checking account. 

On XXXX Huntington bank put the {$3000.00} back into the on hold checking account. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX asking about the money that was deducted from XXXX XXXX XXXX. 

I called XXXX, which is legit, and explained I don't know who XXXX XXXX is and someone stole my {$3000.00}. XXXX sent me paperwork to fill out so they can investigate and suggested I submit a FTC Identity Theft Report Affidavit. 

So I am doing that now. 

I am filling out the form they sent me and am sending back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Bread Financial 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 information incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX through Comenity Capital bank. I have had this card since XXXX of 2022. The last time they updated the account with the 3 credit bureaus was in XXXX of 2022. The account has been showing an incorrect balance with all credit bureaus since then. I have reached out to the company to see why they are not accurately reporting and they stated that " due to a system update they have chosen not to report account updates at this time ''. Their failure to report updates misrepresents my credit worthiness and credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX has already attempted to close her account shared with her deceased son XXXX XXXX multiple times, she is told it is closed, and then we receive messages about insufficient funds. XXXX visited a branch in XXXX Oregon shortly after XXXX passing XX/XX/XXXX, notified the bank of XXXX passing and withdrew the funds to close the account but the account was not closed. Again XXXX went into a branch XX/XX/XXXX to close the account, was forced to pay XXXX for an NSF fee to close the account and asked to close the account. On XX/XX/XXXX we received another NSF fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-06-09
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PRMI is refusing to complete an escrow analysis after one year. I have even made a written request and informed it would be 30 more business days. My first payment was in XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Central Portfolio Control Inc.
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 pulled my credit report from all three bureaus on XX/XX/2022. I noticed a new collection report from Central Portfolio ControXXXX in the amount of {$250.00} on my credit file. I am unaware that there is a debt from XXXX XXXX XXXX XXXX, as my insurance covers the costs of all medical treatment. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to Central Portfolio Control. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today XX/XX/22 I sent {$300.00} through what I thought to be Zelle. I contacted bank and they could not stop it or refund

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: GLOBAL SOLUTION BIZ LLC.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Global Solutions Biz LLC. Has repeatedly threatened me through email, phone calls, and text messages to me personally, my wife, mother, and distant relatives. 

Over the last 2 years ; They have threatened to sue me for fraud and stated intent to push for me to be fined and serve time in federal prison. They have recently repeatedly threatened to freeze my bank accounts and send a quick track enforcement team out to show up unannounced to my house and place of business to take inventory of and liquidate my personal assets in order to repay a business Debt of a LLC.

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 2022-08-03
Company: EQUIFAX, INC.
State: TX
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 HAVE SENT ALL 3 PROOF AND ATTACHED DOCUMENTING SHOWING MY CONSUMER REPORT 'S SHOWING INACCURATE REPORTING FROM XXXX XXXX AND XXXX XXXX REPORTING INACCURATE INFORMATION ON ALL 3 OF MY CREDIT REPORT 'S. XXXX HAS BEEN THE ONLY CREDIT REPORTING AGENCY ACTUALLY REMOVING OFF MY CREDIT REPORT! EQUIFAX I AM NOT ASKING YOU TO VERIFY, I AM TELLING YOU TO REMOVE OFF MY CREDIT REPORT! XXXX, YOU ARE ALWAYS HAVING ISSUES WHERE I AM NOT ABLE TO FILE ANY DISPUTES AND UPDATE DOCUMENTS OR YOU START A DISPUTE AND NEVER SHOW ME THE OUTCOME.ONCE AGAIN FOLLOW THE LAWS THAT CFPB AND FCRA HAVE PUT IN PLACE FOR YOU TO FOLLOW. YOU ARE UNDER A MOU AGREEMENT : Credit reporting agency ( also known as credit bureau ) - Major consumer and commercial credit reporting agencies that have signed agreements Memoranda of Understanding ( MOUs ) with Government agencies to receive and integrate credit information ( data ) from voluntary subscribers ( Federal agencies and private sector entities ) into their respective database. In turn, this information is sold, oftentimes by smaller credit reporting agencies, to purchasers of credit data ( in the form of credit reports and other products ). The credit report, etc., is used to determine creditworthiness, conduct credit scoring, assist with collection efforts, or for other permissible purposes as defined by the Fair Credit Reporting Act. 
YOU ARE REQUIRED TO FOLLOW THE FEDERAL CREDIT BUREAU LAWS AND YOU ARE NOT! 
ONCE AGAIN, THESE COMPAINES ARE REPORTING INACCURATE INFORMATION ON ALL 3 CREDIT REPORTING FILE PER FCRA ; The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. 
YOU ARE NOT FOLLOWING ANY LAWS, ONCE AGAIN I AM NOT ASKING YOU TO VERIFY ANY INFORMATION. THE INFORMATION HAS ALREADY BEEN VERIFY AND REPORTING INACCURATE, SO DELETE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NC
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:
I have sent numerous of investigation letters to all three Bureaus. they have not deleted Names and address on my credit report that are fraudulent and that are not mine. Also the jobs that are reported are not accurate. there are accounts on my Credit report that i have sent letters about that are not mine.

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 2018-11-30
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased a XXXX XXXX XXXX from Honda Financial Services. On XX/XX/XXXX I returned the car to a Honda dealer, and sold it to my daughter and son-in-law. The dealer removed the old tags and put on new ones. I was assured the old tags would be returned to Virginias DMV. I XX/XX/XXXX I received a notice from Honda Financial that  I owed {$450.00} for a personal property tax bill for calendar year XX/XX/XXXX. 

I attempted to contact both XXXX County taxing authority and Honda Financial to rectify this situation. Honda Financial informed me that they have requested a refund from XXXX County, but if I did not pay the property tax for XX/XX/XXXX, it would affect my credit rating. 

I believe it is wrong for me to have to pay for what appears to be Hondas failure to notify XXXX County about a change in ownership, and I believe even stronger that taxing someone for property during a period of time when they did not in fact own that property, and havent owned in over a year, is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
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:
Please remove the following accounts. 

XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX CARD XXXX XXXX XXXX I haven't checked my credit report in a long time. I went to the bank to get a home loan and was informed of these accounts. I don't know who could have done this. This is identity theft and a nightmare.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: TN
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 have sent several letters as well as proof of my identity as XXXX XXXX XXXX to Experian in order to have fraudulent information blocked from my credit report with regard to an account by the name of XXXX XXXX XXXX - Account # XXXX. This account has been on my credit report for several years with relation to a fraudulent name of XXXX XXXX XXXX. Experian removed the fraudulent name from my credit report, but is refusing to remove the fraudulent account ( XXXX XXXX XXXX ) that it is associated with. I have requested that Experian conduct an investigation and provide me with the evidence obtained such as a contract with my wet signature on it verifying whether this account belongs to me. I have yet to be provided with any such evidence. Experian continues to say that the creditor has certified that this account belongs to me. 

I have followed all of the necessary protocol to have this information blogged from my credit report. I have provided all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency, my full name, social security number, all addresses within 2 years, date of birth, copy of my driver 's license, and my utility bill. I have provided this information several times with the last time being XX/XX/2022. Experian is violating my rights of having accurate information on my credit report. If the name associated with the XXXX account is not mine, the account is not mine either. Please enforce my rights under FCRA 605B - 15 U.S.C. 1681c-2. Experian has not conducted a proper investigation and they have not honored my rights under the FCRA. 

REMOVE the account ( XXXX XXXX XXXX - Account # XXXX ) immediately. XXXX nor Experian has been able to provide any documentation to verify that this information is accurate or that it belongs to me at all. Experian has not provided a description of what documentation they investigated to determine that the dispute should not result in a deletion as requested by my previous dispute/letters.

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 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I monitor my credit burea u FICO scores thru my credit card companies. My FICO score for the last year has been in the vicinity of   XXXX  XXXX , last month it finally raised to  XXXX  this increase coincides with an increase at  XXXX  of the other credit bureaus. Today I received notice from my credit card company of a change in my  FICO score with Trans Union and viewed it. My FICO sc ore dropped  XXXX  points to  XXXX  from  XXXX  I contacted  Trans Union and  spoke to a representative named  XXXX  employee #  XXXX . After speaking to her it was determined that there was no negative changes or other changes from last months report or any changes for the last several months I wanted to know why the drastic drop. She sited a delinquency from  XXXX    XXXX   that will stay on my report for 7 years. I explained that that has been on my report for over 2 years now and the effect over time diminishes with no other changes on the report and should put me in a more positive position regarding my FICO score. After no reasonable explanation of the drastic change I requested who I can contact to make a complaint regarding the poor reporting and poor customer service. It is my understanding and belief that th e FICO score cur rently reported to myself is incorrect and improper and should be corrected to the higher amount.

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 2022-09-30
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm applying for a new mortgage but on my credit is a very old open mortgage saying I owe XXXX this house was sold 7 years ago

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: U.S. BANCORP
State: MS
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:
Ive never ever heard of elan financial or the bank

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 2022-09-30
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: NY
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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: TX
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:
Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX  XXXX. DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.

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