BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: AL
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 Account # Acct # 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 an 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 2022-07-27
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Asked PNC BANK for replacement payroll card on Friday, XX/XX/2022. Was told it would be sent in 5-7 business days. It is currently Wednesday, XX/XX/XXXX and I have not yet received the replacement payroll card. Tried to contact customer support on Tuesday, XX/XX/XXXX about not having received the replacement payroll card yet, but was sent back to the starting menu by the support agent instead of receiving help. I have not been able to use my last 2 paychecks. Currently only have the old deactivated card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
Navy Falderal improperly reported missed payments. Which is false reporting and is against of FCRA. Also no payment was due until XX/XX/2022. So no payment was to be made in XXXX, XXXX or XXXX. Hardship letter was sent 3 different times through the online messaging app for Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Debt Recovery Solutions, LLC
State: OH
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:
This is my 5th time disputing an account on my report that does not belong to me and is holding up my process of purchasing a home. Account im disputing : DEBT RECOVERY SOLUTIONS # XXXX. They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2022-08-20
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hello, my name is XXXX XXXX XXXX XXXXAm XXXX XXXX XXXX and i was given the US bank focus card by my boss and they payed me there but as soon as i was paid money was use from my account about XXXX something and i called the US bank focus card to dispute the transcation and please replace my card .they said i had to wait 5 days before i can dispute the transcript i said ok but they order a new card for me on the XX/XX/2022 and told me to wait for 7 to 10 days to get my card i said ok .On the 6th day i called them to ask about my card the lady said and told them i had to pay for my fees at my XXXX school and i had my dads birthday coming up i need to use the money in the card .she check her system and told me to wait Ill receive it the next day, I waited, I didnt receive it the next day i called on the 8 day they told me I cant receive cards on weekends I would have to wait till Monday Ill receive it on Monday didnt receive it on Monday, called them on Tuesday they said Ill receive it by the end of the day they kept of lying to me till today the XXXX of XXXX and still havent started my school yet .I called them today and still kept me hanging. They are very decitful.

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 2022-08-20
Company: EQUIFAX, INC.
State: SC
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 sent a certified mail to Equifax demanding removal of specific accounts they sent a correspondence dated XX/XX/2022 that they will not be conducting an investigation in to particular accounts when I demand a removal not investigation. I have submitted an identity theft report with the reference number : XXXX They following accounts were listed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: GA
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:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX  XXXX notified me in the spring of XXXX that they had taken on my account from American Express National Bank. I been in a year long payment arrangement that I paid diligently on time. Then when the arrangement ended, I had been forced to change to a lesser paying job, then go part time, then not work at all due to health issues surrounding XXXX  XXXX and survival of XXXX with complications. I offered XXXX and XXXX a payment plan that was the highest amount I could do without any net income. I faxed this and outlined it to them on three different occasions including yesterday, XX/XX/XXXX, after finding out through the internet and soliciting attorneys that XXXX had filed suit against me on XX/XX/XXXX in XXXX XXXX court. They have not, to this day, provided any notification of this filing to me. I only learned of it through other attorneys wanting to represent me in this hearing! I contacted XXXX XXXX in the XXXX XXXX for XXXX via email outlining my request for settlement and notifying him that I had not been notified by them or the court of the lawsuit and had found out by chance. I made a settlement offer. 

This complaint is due to the fact they XXXX and XXXX filed a lawsuit against me to serve judgement for the debt I own to AMEX and did not, to this writing notify me of the suit, therefore, it would have ended in a default judgement because I never knew the suit was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: NV
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 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  15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. States a Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  XXXX XXXX loans are income based driven loans. After my divorce, I submitted my documents to was then XXXX XXXX. XXXX never acknowledged the divorce decree, which keep me as a financial XXXX to them. Over the years I have written numerous letters to XXXX regarding my financial status as well as my divorce decree. 
XXXX  private student loan services listed accounts on my credit report as being late more than 60 days which belongs to my daughter and ex-husband. Account has never been late. Daughter never disclosed to me anything beyond accounts in forbearance. Accounts has been in forbearance since the Covid pandemic. She is still unemployed. 
XXXX Change to all 3 credit reporting with XXXX  credit score-XXXX. On XXXX XXXX reported exceptional score of XXXX On XXXX, filed a dispute with XXXX. On XXXX file a dispute with Attorney General office of XXXX XXXX, still waiting on that investigation as well. Score decreased. to fair XXXX, changes to score with Transunion. On XXXX, XXXX updated dispute with submitted documents. Also on the same date changes made with XXXX. 
XXXX deleted the accounts from credit files as of XXXX after their investigation of my dispute, however my credit score as of XXXX, has not been restored from fair to exceptional. which was my prior score before this issue with XXXX inaccuracies. 
XXXX, XXXX sent a letter to daughter stating that accounts were approved for forbearance from XXXX to XXXX. If account in forbearance, why are the showing as late more than 60 days/negative on my credit report. This should have never happened. 
Still waiting to hear response from Attorney General of XXXX as well as updated and restored corrected scores from all 3 credit bureaus. 
XXXX submitted additional documents to XXXX re : forbearance letter and dates. 
I have worked extremely hard to maintain and improved my credit score to exceptional status. This matter should be investigated and my scores for all 3 credit bureaus should be corrected and updated as well as restored to my exceptional status.. XXXX XXXX negative reporting on my credit file should be deleted from XXXX and Transunion due to their error and unfair practices, not mine. Again, XXXX has already deleted XXXX from my credit 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 non-monetary relief
Consumer complaint received 2022-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
On XX/XX/2022 a dispute was filed with Portfolio Recovery Associates , LLC regarding the debt validation for the contract assignment from the original creditor, right to do business in the state of GA, and continued reporting of 120-Day late payment to XXXX Credit Bureau . 

On XX/XX/2022 the company responded with an invoice of a bill from XXXX XXXX XXXX. Per FCRA, a collection agency is NOT allowed to report late payments on a collection account. Portfolio Recovery Associates has repeatedly failed to provide the appropriate documentation to establish their authority to collect the stated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. 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 2022-06-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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 status incorrect

Complaint:
So I wasnt even made aware by XXXX XXXX that my account was delinquent or past due. By the time that I was notified it was already reported to the credit bureaus. Since then grain has been misinforming inaccurate information as resulted decrease in credit score. They already had since withdrew funds from my external account that was used I order to received or removed from account. Since then a payment arrangement to pay off balance ( after waiting to hear back from XXXX either via phone or via email ) as well as made just recently as well as a payment arrangement that has since been signed and accepted both myself and XXXX XXXX. Then report was made by XXXX stating my is still delinquent by XXXX days after was payment arranged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX  Date Opened XX/XX/2021 Balance : {$150.00}, XXXX XXXX XXXX Date Opened XX/XX/2021 Balance : {$130.00},

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Following XXXX. In XXXX, I received an email from out of nowhere from a XXXX XXXX from XXXX. XXXX about getting a fixed loan rate 3.50 permanent. I thought this is what I was working with him on, I never stated, I wanted a loan modification. I would like to find out if he is involved with this split loan. I was doing well already and didn't need a mod,. So this split my loan and having me pay some now and maybe the rest when I'm XXXX. I didn't approve this agreement and I have been worried sick about these changes. I plan to work diligently to get to the final of this sabotage agreement. Phh and Ocwen didn't give me the info I requested, I wouldn't have made this move with truth be told. I don't have these documents in possession with XXXX XXXX. Authorized Officer never heard. I've been paying on this loan and I still owe the same amount. Also the escrow payment that was supposed to receive took it from me and put it on the back of the loan without my agreeing to it. I did not REQUEST A MODIFICATION IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

Company response to consumer: Closed with explanation