BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MO
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following accounts listed as inquiries on my report were not made by me. 

CREDITOR NAME : XXXX  INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX  XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX OF INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX  XXXX INQUIRY DATE : XX/XX/XXXX CREDITOR NAME : XXXX/XXXX  INQUIRY XXXX : XX/XX/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 2018-06-04
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Every other month Navient increases my account balance by {$2100.00}, then reports the increase as paid down 30 days after the original posting to my credit profile. When I contacted Navient for explanation the rep said that nothing was being reported on there end and they could not explain why this is happen. 
I need this resolved because it lowers my credit score by 10 points and I'm in the process of buy a home and this will impact my ability to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Starting in XXXX, I began sending certified letters to Equifax this year in regards to unauthorized inquiries. I noticed that my mail box was flooded with denial letters for things I had no knowledge of and did not authorize. In my attempts to have the situation resolved, I have received a generic response that the inquiries are of factual record and will remain on file for 2 years. I do n't understand how this information is of factual record when I did not authorize them and are fraudulent. I was informed by a Equifax employee that I was affected by the breach and was told they would dispute the information. However, I received another letter that stated " contact the creditors ''. I am disappointed in Equifax as well as their customer service. This is XXXX company that truly can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. XXXX  XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX XXXX be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now Navient has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
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: Their investigation did not fix an error on your report

Complaint:
HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX XXXX ACCOUNTS FROM MAY OF XX/XX/XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX XXXX XXXX  ( AUTO ) ACCOUNT FROM XX/XX/XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A company called XXXX XXXX XXXX notified XXXX that it was trying to collect a debt on behalf of XXXX XXXX XXXX, where I have never had an account. I disputed this through XXXX XXXX and XXXX  removed the item on XXXX XXXX, XXXX. Now they are trying to collect this fraudulent debt again. I received a letter, dated XX/XX/XXXX, from AFNI Collections to collect the same debt from XXXX XXXX XXXX. On AFNI 's website I indicated that the debt was not mine and to send verification of the debt. I never received any verification. Today a derogatory mark from AFNI showed up in XXXX XXXX for XXXX. 

This has had a direct impact on me. When I tried to sign up for XXXX XXXX XXXX internet earlier this year, XXXX XXXX XXXX said I could not until the fraudulent debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: SUNRISE CREDIT SERVICES, INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from SUNRISE CREDIT SERVICES. I had previously disputed this account. I have never done business with SUNRISE CREDIT SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SUNRISE CREDIT SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SUNRISE CREDIT SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported 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 2017-10-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I became US Bank 's new customer more than three months ago, I opened checking and savings accounts because I learnt good promotion from the store manager when I opened both accounts : if I deposited XXXX dollars within 60 days and made two payments more than 25 dollars through the billpay function, I will have XXXX dollar back within 60 days and then I checked US bank website, the promotion is indeed there. However, now I have contacted US Bank branch as well as the customer services center, neither of them acknowledged I am qualified for the bonus on my checkings account because I only made one payment through the Billpay function, then I checked my payments and found I did make two payments, both of them are more than 25 dollars and within 60 days through the billpay function but one is online and another one is through my phone. Both of them are equipped with the same function under the billpay, only the one made online qualified'Is it because US Bank subsidize another company for its mobile app '?? If so, the responsibility should not be taken by its customers.
In addition, the branch manager XXXX did not inform me the online banking and mobile app are two separate payment methods.

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 2019-11-20
Company: LEXISNEXIS
State: PA
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:
Hello, I have requested 4 times that Lexis Nexis Consumer Center provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. I have challenged Lexis Nexis in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their 4 responses came back that it was verified. I advised Lexis Nexis that any Automated Response or XXXXXXXX and or matching up the last 4 of a consumer social security number for verification is Unacceptable. I also provided a copy of a letter From the US Bankruptcy Courts of XXXX Maryland  explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 
First letter sent to Lexis Nexis was XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) By phone XX/XX/19 I asked the Representative to send me the copies of my signature bearing this Bankruptcy and she responded and said they will see if they can find my Signature along with the Chapter XXXX and full social security #. Again I received nothing except saying it came back as verified without documentation of my signature which are violations. Lexis Nexis Response Dates are as follows by mail 1 ) XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of it.

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 2017-10-21
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had a total of four different times. Some one is trying to use my former divorced name and address and phone number and social security number from 12 years ago. They have applied for XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 2 times XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. 
They have showing up on my credit reports as hard inquirers. I have called and had them removed. But found some one is still trying to use my former name and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citi Card - Costco is charging Interest when I pay the Card in full each month and have no cash advances.

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 2017-10-21
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : ELAN XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$5100.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2400.00} Reason : Identity theft 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 2022-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 2017-06-30
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
While booking a delta flight on XX/XX/2017 I saw an American express ad that said that I would get a {$100.00} bill credit if I signed up for the delta amex card. I signed up for the card, was approved, and completed the transaction. However, I later found out that an unknown error resulted in my transaction not completing. <P/>After I logged into my new American Express account on X/XX/17 I noticed there were no charges so I called American Express. The Amex representative I spoke with wasnt able to answer why the transaction wasnt listed on my account. I then told the representative that I didnt want to make the purchase if I wasnt going to get the bill credit. The representative assured me there wasnt a problem, and that I would get the credit as soon as I made the purchase. <P/>I followed the representatives instructions, but after making the purchase I was deigned the credit. I was told this was due to my having a Delta American Express card several years earlier. Further, I was told this information was clearly given to me when I signed up which is not true ( I have screenshots of the whole process that shows irrefutable proof ). Despite what American Express says, I believe that I should still receive a credit for the following reasons : 1. I called Amex before making the actual purchase and explicitly asked the representative if there would be any problems regarding my getting the credit. The American Express representative assured me that I would get the credit as soon as I made the purchase. <P/>2. There is no clear indication that prior card membership excludes a person from receiving the credit, and it appears that American Express went through a lot of trouble to intentionally hide this information. ( I have unbelievable screenshots documenting this ) 3. Due to a XXXX XXXX I would have problems finding a single clause intentionally buried in a contract. The only way I could reasonably expect to find out about this information is to call, which I did. <P/><P/><P/>[ screenshot available upon request ] ( As you can barely see, there is LITERALLY a whole section of print that is hidden from the customer. You can barley see the tops of letters from a whole other section of completely hidden/unaccessible text. This information isnt available by scrolling or any other method that I could figure out. There is a star * after the first line item, but there is no legend or key that explains what this means. ) [ screenshot available upon request ] ( actual screenshot of failed ticket purchase on X/X/2017 - no indication about prior credit card restriction ) [ screenshot available upon request ] ( Screen shot of actual temporary card - still no indication of credit restriction )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-04
Company: EQUIFAX, INC.
State: AZ
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'm having an issue with Equifax not correctly reporting my trade-line with my car loan from XXXX XXXX XXXX, despite XXXX XXXX being able to correctly report the trade-line. Not only has Equifax not reported that I've made a single payment since XX/XX/2018, they are reporting that I am adding debt to this car loan, when in reality I've been paying it down with each payment. In return this damages my credit score and when I try to initiate a dispute with Equifax to fix it they ask me numerous ridiculous 'account verification ' questions about old trade lines and payment amounts including having an address in there for me that I've never, ever lived at and I've even told them that before. I know I answer these questions correctly, yet they still say they can't verify my identity and attempt to make me jump through multiple more hoops to submit a dispute. This is all to prove my identity when in the end this nightmare is simply because of the inaccuracy of the information on their end. And, naturally, it's virtually impossible to reach a real person to resolve any of this mess at Equifax. This is ridiculous and they shouldn't be allowed to have oversight over people 's credit reports if they can't report it accurately or have any accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: GATEWAY FIRST BANK
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When I was presented with my loan estimate, I was told that Gateway would service my loan. In under a year, it has already been sold off. This would normally not be a huge issue. However, I am a property tax exempt XXXX Veteran. The amount of back and forth I had to go through with Gateway was absurd. Now, the new lender is now fighting me on the exception as well. This will now incorrectly raise my monthly payment by almost {$300.00} per month, until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my fico score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "

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