BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
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:
I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry XXXXXXXX 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

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 2022-06-23
Company: EQUIFAX, 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:
I went to the car dealer they told me they were only running my credit through XXXX but it was XXXX hard inquiry XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Navy Federal Credit Union is attempting to fraudulently claim debt : Outstanding {$11000.00} Bad Debt, Collection. Fraudulent In the past I have experienced Identity Theft. I reported that information to Navy FCU in 2021. 

I do not know the owner of this account. This Account does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently paid off my mothers mortgage with a personal loan. The loan was for {$21000.00}. Then did a closing with a lawyer. The house is now mine ( mom is XXXX ). My plan was to use the equity in the home for a home equity loan to lower my rate from 8 % to 3 %. Also from a 6yr personal loan to a 15yr home equity considerably lowering my monthly payment. The Check was received by the mortgage company in XXXX and processed XX/XX/XXXX. It is now XX/XX/XXXX and the lein has not yet been discharged. I have made several phone calls and been given the run around. My bank that is carrying my personal loan has also spoken with the mortgage company along with the county where the home is located. Every month I'm losing money!! Please help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am applying for the U.S. Bank XXXX XXXX XXXX XXXX  on XX/XX/XXXX, since I receive a mail inviting me to open the account. I am also a US bank checking account customer and a customer for Fidelity Rewards Visa Signature Card which is part of US bank. I have a credit score of over XXXX. In the US bank card application, they don't set any rule for how many recent accounts I should have in order to get the card approved. I applied for the card but the application gets turned down because I have too many recent accounts, however, I only have 3 credit card hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in the recent 12 months and 1 hard inquiry ( XX/XX/XXXX ) for the recent 6 months, and after XXXX this year, I will only have 2 hard inquiry in recent 12 months, and 0 hard inquiry for recent 6 months. I have attached the credit inquiry from both XXXX and XXXX credit reports in this complaint. This is should not be counted as too many recent accounts in any scenario. If a US bank has any hard rule for how many recent accounts you want to see, like XXXX has a XX/XX/XXXX rule, you should clearly write it up before I send my application, rather than waste one of my hard inquiries and lower my credit score. Now I really think this is unreasonable, and I know several people have more recent inquiries than I did and get approved for this credit card. I feel I have been treated differently and unfairly. When I call the US bank underwriter service for manual review, they just keep repeating like a robot that I have too many recent accounts, and are very impatient and rude. I feel very uncomfortable as a US bank customer now. I would like US bank to treat me fair and equally and manually review my application again. As I have explained before, I don't have too many recent accounts and this is not a valid reason to turn down my application.

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 2022-06-06
Company: Experian Information Solutions Inc.
State: VA
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 Acct # XXXX, XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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 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 these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: In progress
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-23
Company: Account Resolution Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account Resolution placed this alleged debt on my credit reports back in fall XXXX two years after the account was created by them. I disputed it with XXXX, XXXX, and XXXX which ARC failed to validate the debt within the allowed 30 days. XXXX and XXXX promptly removed it. 

XXXX however did not. When I disputed it again with XXXX ARC was allowed another 30 days which violated The Fair Credit Reporting Act ( FCRA ). With this second dispute I unknowingly give them access to my medical PII they never had rights to in the first place and the amount has on my credit report has inaccurate amount of either XXXX or XXXX dollars which another reason why it must be removed. 

As I wanted the matter resolved, I sent a certified letter to ARC back in XX/XX/XXXX to negotiate a account settled which they never responded to. 

Upon further research I found out they are in violation of the No Surprises Act ( NSA ). 

I want the the collection deleted off my XXXX report as they have no grounds to contest payment, never provided me any contract of paying ARC for the debt, and the alleged client has passed any statute of limitations to sue me over the alleged medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: SYNCHRONY FINANCIAL
State: PA
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 have 4 unauthorized inquiries in my credit report. 
XXXX XXXX XXXX XXXX XXXX hard inquiry someone applies for a loan over the phone 2-Sams club  XXXX hard inquiry someone trying to get a credit card 3-PayPal XXXX someone trying to finance online 4-amazon XXXX someone trying to apply for a credit card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive contacted XXXX, XXXX, TransUnion repeatedly by phone and letter, disputing the inaccuracy of the Bankruptcy information that they have listed and asking XXXX, XXXX, TransUnion, how it had verified the statement. The source-disclosure did not provide accurate reporting, and reinvestigation provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681g ( a ) ( 2 ), 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), to a credit reporting services actions. Ive requested that this information is either corrected or removed.

I have provided proof from the courts to show the Bankruptcy Court Docket did not reflect the information listed on credit file.

Section 1681i ( a ) ( 1 ) concerns a consumer reporting agencys general obligation to reinvestigate information a consumer disputes as inaccurate or incomplete in his or her credit report. 
XXXX, XXXX, and TransUnion continue to violate various FCRA provisions by persisting in publishing this report and failing to follow certain of the FCRAs procedural notice requirements. 
The FCRA was enacted in 1970 amidst concerns about the accuracy of information disseminated by credit reporting agencies. If a reporting agency willfully fails to comply with any requirement of the FCRA, it may be held liable for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer, as well as potentially for punitive damages. 15 U.S.C. 1681n. If a reporting agency negligently violates a provision of the FCRA, it may be held liable for actual damages arising from the violation.

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 2022-06-23
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to Equifax and XXXX to have the inquiries removed. It has been nearly XXXX months and they are still on my report. Equifax and XXXX both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with Equifax today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX in XXXX, NC ran my credit with XXXX different lenders without my permission. They have since told me they have submitted XXXX separate letters to XXXX and Transunion to have the inquiries removed. It has been nearly XXXX months and they are still on my report. XXXX and Transunion both declined my dispute to have it removed stating that inquiries are statement of fact. That is ridiculous! That basically allows anyone to run your credit and there is nothing you can do about it. 
I spoke with XXXX today and they stated they have still not received a letter which I find that hard to believe. 
My complaint is with XXXX XXXX for initially running my credit without permission, but also with the credit bureaus who declined to research the fraudulent inquiries without an investigation

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 2022-06-23
Company: EQUIFAX, INC.
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:
VICTIM OF Identity Theft XXXX XXXX XXXX XXXX ACCT # XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 my wife 's phone was hacked and the scammer/hacker made 2 fraudulent XXXX transactions from our Huntington Bank checking account stealing {$620.00} in one transaction and {$670.00} in the other. Totaling {$1300.00}. When we figured out what was going on we immediately called the bank and told them there was fraudulent activity and put a freeze on our account. We filed a dispute due to fraudulent activity with the bank. They sent us a letter back saying they determined the transactions valid. The letter says we have the right to request documents they relied on to make their determination but when I call the number they provided they always tell me they will open back up the case and a week or two later I get the same letter telling me they determined it was a valid transaction. They never give me any documents or tell me how they have come to this conclusion. 
This was not the only fraudulent activity that happened when the phone was hacked they also bought multiple gift cards on our XXXX account. XXXX sent us an email saying there was been suspicious activity and they were temporarily freezing our account. That is how we were first made aware of this fraudulent activity. We filed a police report. XXXX and our credit card company that is attached to XXXX reimbursed us for all the fraudulent transactions. Only the bank has determined that the transactions were valid. That is why I wanted to know how they came to that conclusion even though every one else involved could see it was obvious fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
VICTIM OF Identity Theft XXXX XXXX XXXX XXXX ACCT # XXXX {$500.00}

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 non-monetary relief
Consumer complaint received 2022-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company reported me 30 days late when I was on automatic withdrawal. 
I never had a 30 day late. I am requesting that the XXXX request all payment history in writing from Credit Acceptance. This will show there was never a 30 day late and I am asking them to correct this or I will escalate the issue. 

Further, in the beginning of the loan. If payments were received after the due date, they took the money ( late fee $ ) from the payment 1st, then apply the remainder interest and then principal last. 

Towards the end of the loan, they " stopped '' this practice.. And stopped collecting any late fee 's from the automatic withdrawal payments and " rolled them over '' The account was on an automatic withdrawal for years.. If I was running late, where are the letters requesting payment of the fees? Why did you not collect any fee 's from my automatic payments. 

Further you can see late fees in XXXX Again, when payments are not received in the grace period, they took the incoming payment and applied any of the payment towards the LATE FEE 'S first, then the remainder to INTEREST, and whatever was remaining to principal. I am not sure when they decided to switch that and " roll over '' fee 's for months.. It's unethical and illegal. If this is not fixed, I am filing a lawsuit.

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