BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in 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 non-monetary relief
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Its been over 30 DAYS! I have sent in letters informing yall of the inaccurate information being reported on my credit report. the docoments below shows the account that I signed for with my son has been Dispissed by the court system. And deleted from his report. and it needes to be deleted from my credit report as well. I kknow my rights and I KNOW i have the right to a fair and accurate reporting. 

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 explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 am writing to demand that Bank of America stop trying to intimidate me, harass me, and bully me as I am one of the class members in the CFPB Class Action Settlement vs Bank of America. According to the CFPBs press release on XXXX, Bank of America has been ordered to pay more than {$100.00} XXXX to customers for illegally charging junk fees, withholding credit card rewards, and opening fake accounts. I am entitled to receive compensation for the harm that Bank of America has caused me. 

Bank of America has been harassing my future father in laws home in XXXX NY to try to intimidate me with threatening letters and a strange guy who kept knocking on his door this morning. My future father in law suffers from XXXX and is fully XXXX. This is unacceptable and unlawful behavior that must cease immediately. 

I hereby request that Bank of America stop contacting me or my future father in law by any means, including phone calls, e-mails, letters, or visits. Any further attempts to contact me or my future father in law will be considered harassment and will be reported to other relevant authorities.

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 2023-03-01
Company: EQUIFAX, INC.
State: TN
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. 

Account name : US DEPARTMENT OF EDU account numbers 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 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 2017-06-07
Company: Experian Information Solutions Inc.
State: ME
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:
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

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 2017-06-07
Company: EQUIFAX, INC.
State: ME
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:
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: CA
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 am writing to file a dispute against Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX XXXX Acct # XXXX & XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Can this please be removed inquiry Bank Of America is two of them on my credit

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 2023-03-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, my husband and I decided to refinance our home in Florida. The address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Florida, XXXX. We submitted many documents and thought we had completed the process. Our loan officer continued to ask about our student loan information, which we provided. During his conversation, he stated that because we didn't have a clear picture of how much we would pay to these loans, our interest rate would have to increase to 7.48 %. We only pay 3 % on our mortgage, so we decided to cancel the application on XX/XX/XXXX. However, we kept getting emails from the company to provide more documents. Once again, we called and informed the agent that we were not going forward with the refi. On XXXX we received a letter of incompleteness, and on XX/XX/XXXX, we received a letter for Payoff demand. We called again to express our concern for these letters. The representative at PennyMac told us to disregard these letters. Yesterday, XX/XX/2023, we received an email, which was the final annoyance. It was a statement of credit denial, termination letter. I called PennyMac, and the representative stated this will not go against my credit report, I disagree. It's a denial letter from a mortgage company.She stated this is the policy of PennyMac to send these letters. This is a bad policy, especially if the consumer has cancelled the application to refinance their loan.She stated she would pass this information over to the Loan officer, but, don't believe they will call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Mr. Cooper bought my loan in XXXX of 2023 and this is a 2nd time that we are receiving email that we are receiving email that some personal info were leaked. See the latest email : On XX/XX/2023, our information security team identified an external threat to our network and locked down our systems while we resolved the issue. Over the following weeks, our investigation revealed that certain customer personal information had been compromised. We have been working closely with cyber security experts to determine the full extent of the impact. 
We can not pay our mortgage or be able to use website if need any info regarding our mortgage. I also do not feel safe with this mortgage company and the way they are handling business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
XXXX credit reporting agency is still reporting closed accounts with 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 account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts..

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please.

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
XXXX, Experian, and XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-10-27
Company: Westlake Services, LLC
State: CA
Product: Credit reporting 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:
Car loan was charged off six years ago, but it continues to report every 30 days as being late. The loan was charged off in XXXX of XXXX. Creditor reported to XXXX that loan was 60 days past due XX/XX/XXXX then states loan was brought current the following month of XX/XX/XXXX, then stated it was charged off the following month after that in XXXX of XXXX. 

For six years they have reported this charge off as 30 days late every month for 6 consecutive years. I have contacted them on several occasions and disputed it multiple times with 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 explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX, No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Cancelled Debts states that a charge off is considered a certificate of indebtedness, which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Disputed debts states if the consumer notifies the debt collector within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector shall cease collection of the debt ( FDCPA, 15 U.S.C. 1692 ( g ) ). Any person who obtains a consumer report from a consumer reporting agency, under false pretense, or knowingly without a permissible purpose shall be liable to the consumer reported agency for actual damages, sustained by the consumer reported agency or {$1000.00} which ever is greater ( FDCPA, 15 U.S.C. 1681 ( n ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

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 2023-02-09
Company: CBC Companies, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to opt out of Your company services, please freeze my reports and cease and desist reporting of my personal and confidential information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The continued presence of this fraudulent account on my credit report is nothing short of an outrage. Despite my repeated attempts to rectify this situation, the fraudulent accounts continue to plague my creditworthiness and financial stability. It is beyond comprehension that your agency has failed to take swift and effective action to rectify this situation. Your agency 's failure to address this issue effectively is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers. 

XXXX XXXX XXXX PLEASE DELETE!!! 

The ongoing presence of these fraudulent accounts on my credit report constitutes an affront to my rights and a source of profound distress and financial suffering.

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 2023-10-26
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The nastiest spirited people I have ever contacted. According to manager XXXX, which Im sure is XXXX, she claims She is not in the business of customer service when I explained to her that this entire process has been treated terribly. Not only did she make that disgusting comment to me as a client but insisted that its nothing she would do or suggest and basically told me that its all my fault any of this happened. Then she tried to hang up on me twice, belittled me by calling me hunny with a disgusting attitude. When I asked for her name, she only gave me a nickname and refused to tell me her full name. As you can see this isnt the first time this company has gotten a bad report for POOR customer service and its so sad that SUPERVISORS brag about not being in the customer service business. I would never recommend any facility that uses this firm, completely disgusting. Honestly the conversation was one sentence away from her being vulgar. Completely ruthless and disgusting approach and then she threatened to report to my credit and said Are you gon na pay or not?. The entire issue is that I no longer am in the area of the gym I attended and have called numerous amounts of times to cancel my membership. There was nothing explained to me at the start of my membership about cancellation policies. I have spoken with both XXXX XXXX XXXX and XXXX and they told me the ONLY way I could cancel is by coming in. Instead of cancelling my membership, they tried to shove incentives down my throat and completing negating the fact that I am no longer in the area. As explained to the supervisor, and she had the most disgusting and degrading response Ive ever received. Completely disgusted with this conversation. Our conversation took place on XX/XX/2023 at XXXX after have already being hung up on by another associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
closed 5 accounts for no reason. never late, always paid in full. cheated me out of cash back earned on paypal mastercard. one account was approved and opened a few days before.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX of XXXX I mailed my dispute letter to Transunion and the letter was returned to my home address saying the Transunion 's address was incorrect, why is that! Attached is the Transunion address provided from their website and also the Transunion address provided by you ( CFPB ), and that is the same address I indicated on my dispute mail. What happen? This shows that Transunion PURPOSEDLY IGNORING MY MAIL, and that is clearly a FTC violation. All the negative items on my account under Transunion MUST be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 late XXXX of 2022, I requested that TransUnion verify or remove inaccurate information from my credit profile. I received a response with " Updated '' information, which was NOT requested. Again, I sent in another dispute in XXXX, and XXXX and got similar responses ( attached ). To this day, NO verification source, documentation nor evidence has been provided to support these claims of being " verified '' other than claiming the creditor confirmed the account is mine, again with NO proof. These responses seem to be a computer generated response to dispute requests and has caused me to not qualify for financial products I am entitled to. ( also attached is a denial letter ). 
TransUnion AND the following companies violated the laws of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604 ( a ) ( 2 ), by providing, submitting and/or furnishing negative financial information to credit reporting agencies, WITHOUT written authorization from me, 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