BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-22
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX that I had not paid the bill for the XXXX XXXX. XXXX XXXX is in bankruptcy. I had not received a bill by mail or email. I immediately paid the bill over the phone on XX/XX/2018.My credit score has gone from XXXX to XXXX. I want an this fixed and my credit score up to  XXXX. I have contacted XXXX and I have file a complaint with Wi consumer protection and the tell me they forwarded case noXXXX to you. I di receive a letter from XXXX XXXX   that I have XXXX balance but that does dot take. Are of my credit score. I also see they have many complaints against them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
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: Information belongs to someone else

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You 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.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or around XX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXX up until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.

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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX repossessed a vehicle that was in my possession on or aroundXX/XX/XXXX in Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to XXXX XXXX beginning from date XX/XX/XXXXup until the last letter which was sentXX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of XXXX XXXX XXXX XXXX on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.

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 2021-08-27
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021 My sister with whom I do not have contact with was contacted from XXXX  XXXX bank asking information about me. On the same day my sons mother with whom I am no longer with received a call looking for my son for information. He is only XXXX XXXX XXXX. I called and spoke to them and was informed that they use a third party vendor for this information. All of this was unnecessary as I have had contact with them within the last month and my information has not changed. Following speaking with Sallie Mae my sons mother called and was able to access my account information and have him removed. I am not sure how they would have given her access to the account as she is not listed and has never been listed as a point of contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Seterus, Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Response from Seterus to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number.
Summary judgment was not granted and there is a counter suit against Seterus for filing a fraudulent complaint.
I have no contract with Seterus.
They are lying through their teeth.

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
My account information was compromised and I 've been enrolled in their identity theft protection program without my consent. They also took over a month to make me aware that my information had been compromised. Meanwhile, their executives have been selling off stock in the company before making their announcement. This is in regards to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint was the result of their non-compliance of your Bureau to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. These accounts was already been deleted in the other Bureau, yet you are still reporting it on my credit report. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Fair Credit Reporting Act everything has to be XXXX percent accurate on my consumer report the credit agecnys and its furnisher stated that the account was properly reinvestagated and verified, XXXX XXXX XXXX XXXX XXXX XXXX, still reporting inaccurate court name, address, and docket number. Clearly has violated my rights -15 U.S.C 1681c ( A ) ( 1 ) Information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing of the following item of information, case under title 11 ( United States Code ) or Under the Bankruptcy Act, that from the date of entry of the order for relief or the date of adjudication- 15 U.S.C. 1681section 604 ( A ) ( ( 2 ) it states a consumer reporting agency can not furnish a account without my written consent- 15 U.S.C. 1681 States i have the right to privacy-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 resonable cause to believe that the informaion 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 2017-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Upon hearing about the Equifax data breach I visited their website relating to the data brach : www.equifaxsecurity2017.com. 

I followed the steps to see if I was affected and they responded they believe it was the case. However, instead of giving me the option to enroll in their credit monitoring service they automatically enrolled me in it. The fine print implies this waives my right to be part of any lawsuit against them for this data breach. To be clear, I was automatically enrolled in a service without my consent that limits my ability to protect my rights as a consumer from this data breach. Furthermore, the response I received that I was likely involved and that I would be enrolled in their protection plan soon is offensive. Given the time that has elapsed since they knew about the issue the fact that they can not say definitely based on me inputting my social information is illogical. 

This abusive action combined with the news that their executives knew about this data breach for over a month before notifying internal public and that they had sold shares of their stock prior to revealing the breach shows me a company that clearly does not respect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Consolidated Information Services Solutions, LLC
State: NJ
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:
While checking my personal credit report I noticed an Inquiry made by UNIVERSAL CREDIT SERVICES. 
I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed authorization that gave them the right to view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have purchase XXXX XXXX XXXX after trying move money around I found I could not meet they terms of the deal. I pointed out after 3 day I could not meet they term. So I brought the back to the truck and the paper work and keys.The company had promise me that would put a back cover on the truck which did not happen. That did not happen causing a problems between us. Now they it on my credit report barring me from obtain another vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
On XX/XX/XXXX I received a notification of several new hard inquiries on my Experian, and XXXX credit reports. The inquiries were listed as follows : Experian reports inquiries from : XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports one inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from Experian in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, XXXX has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with Experian has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who Experian keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.

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 2018-06-04
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score dropped from XXXX to XXXX due to three Navient reportsthat say I owe {$45000.00}, {$38000.00} and XXXX. These loans belong to my children and are being paid. Why did I lose 100 points on my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The company XXXX XXXX XXXX has not been reporting my current balance as I have been directly paying the company {$50.00} monthly since XX/XX/21. I notified the company of this inquiry and I was advised they had mistakenly not been reporting the current balance of this loan. This error has affected my financial goals. I have been declined for several loans and credit lines due to this outstanding balance. I have even notified credit bureaus ( transunion, XXXX ) of this error and the investigation proved the account to be an accurate balance. There is false allegations on both parties and Im the only one suffering from these false allegations. I am unable to take out a mortgage line due to the accounts impact on my credit. I am requesting the account be removed from my credit report due to its false pretenses and I will continue to make payments to the company directly. 
TransUnion and XXXX have continued to report this account as accurate in recent investigation reports.

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 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION has not properly investigated my consumer reports. pursuit 15 USC 1681 ( e ) investigative consumer report. They have caused me great harm as they have infringed upon my consumers right to Privacy. pursuit 15 U.S. Code 1681 ( a ) ( 4 )

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 2021-08-27
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have used USBank for ten years without much issue. In XX/XX/2021, USBank had enrolled me into an overdraft protection program which I never authorized. One time I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options instead which I declined.

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 2017-09-08
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax claims they will tell me if I 'm affected provided I register and provide my last 6 of social security and name. Then they go on to not tell me whether I was affected by their data breach and say I need to check back in a week and they will not send me a reminder and it 's up to me to remember to come back to find out the answer I gave them my confidential information to find out. They wo n't even say they 'll tell me whether I 'm affected on that date either now and are saying I just need to enroll in their XXXX XXXX XXXX  program then whether I 'm affected or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I received a letter from my local tax collector, XXXX County Commissioner of Finance, dated XX/XX/XXXX about a Delinquent Tax Bill. My mortgage servicer who is the escrow manager for this account NewRez-Shellpoint keeps on telling that as long I'm enrolled in an escrow account I can dismiss all tax bills and letters, I contacted my mortgage servicer by phone and they affirmed that they will investigate this matter, reach out to the appropriate parties and make sure there is no outstanding bill. two weeks later, after not getting any feedback on their investigation I contacted them again, and they said that they see the investigation closed so I can rest assured as if there would be any issues they would contact me. 
On XX/XX/XXXX I got another letter from the XXXX County Commissioner of Finance dated XX/XX/XXXX that the bill is still delinquent and they are going to start imposing further penalties and will start a petition for foreclosure, all on my cost... here it turns out that my tax bill wasn't paid in full, they added penalties and interest, and now they threaten to foreclose the property. 
Please have the appropriate parties liable for this mismanagement. 
Thank you!

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 2020-09-25
Company: MCCUE MORTGAGE COMPANY, THE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Because of the last complaint I filed, during the closing the company decided to fine/steal {$230.00} from me. They claimed it was interest owed to the XXXX. I contacted the XXXX and they said that was lie. I contacted McCue Mortgage again and they confirmed that and said they would refund me the {$230.00}. I never received payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the Collector to send me a Validation Letter ( My Right ) and they refused to do so used prophane Language and threats

Company response to consumer: Closed with explanation