BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX XXXX and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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 XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXXXXXX XXXX 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

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 2018-02-10
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
XXXX  does not conduct a thorough investigation on account submitted by Navy Federal Credit Union reporting a failure to pay on XX/XX/2018 that involves a fraudulent credit back to Navy Federal Credit Union deposited by XXXX XXXX XXXX , XXXX My minor child was connected to all accounts and currently has her account in good standing. Navy Federal Credit Union in XXXX Maryland made a bad deposit and/or was unable to recover funds from XXXX XXXX XXXX that has nothing to do with me. Navy Federal Credit Union failed to perform a thorough investigation on said account ; If so the person that made deposit would have been notified which was a US Marshall. 

Both XXXX and Navy Federal Credit Union does not investigate their own errors. Both companies use XXXX to monitor my consumer activities in a fraudulent manner. Not sure why they follow rules to damage credit but negligent on resolution from day 1 of any dispute I've sent and/or inquired about over 4 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Gateway refuse to offer assistance to borrower during covid. It is persistently dual tracking the borrower with multiple foreclosure postings while denying the loan for assistance after of multiple submissions by the borrower that are denied because Gateway claims the file is incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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 XXXX, XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company 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 2022-06-14
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:
In accordance with the fair credit reporting act XXXX  account number XXXX XXXX  Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Merchants' Credit Guide Company
State: TX
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:
After reviewing my credit report, I sent dispute letters to the credit bureaus in XX/XX/2021 requesting that the accounts showing for Merchants Credit Guide Company be validated and if it could not be validated that it be removed from my credit report. 

During their 30 day investigation time frame, I received two letters dated XX/XX/2021 from Merchants Credit Guide Company stating they were enclosing copies of the verification documents I requested and to contact them to make satisfactory arrangements. There were two additional documents appearing to be from XXXX XXXX XXXX XXXX which showed the DESCRIPTION as XXXX XXXX VISIT and appeared to be two bills. 

All four documents had different account numbers on them so it does not appear that any document included supports another. 

There were no contracts or signatures for the accused debts at all. A bill without a written signature does not validate the debts and anybody can send a bill and say its mines. According to the FCRA, Merchants Credit Guide Company has violated my rights as a consumer and I am requesting legal action to remove these accounts immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: SYNCHRONY FINANCIAL
State: NY
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts listed are not mine. Please remove them.

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 2020-01-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from this company.. I requested that they validate the alleged debt but they could not. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. They have been unable to provide this information and I am now asking that they remove this debt from my account.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accounts listed aren't mine. PLEASE remove them.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2020-01-08
Company: Experian Information Solutions Inc.
State: NV
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 accounts listed aren't mine. PLEASE remove them.

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 2022-06-14
Company: EQUIFAX, INC.
State: TX
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:
I sent letters to the three big credit bureaus XXXX, Equifax, and XXXX on XX/XX/2022 about five items in my credit report ( letter attached ) and these are the tracking numbers : Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I got my results from XXXX and XXXX removing some items but failed to meet my request of showing proof of validation on ones they didn't as mentioned in the letter that I sent them. Equifax removed some items but failed to notify me about the verification and did not send me a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING A DIFFICULT TIME GETTING THE CREDIT BUREAUS TO REMOVE THE FRAUD ALERT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
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:
Community Loan Servicing my mortgate provider reported my account ever late 180 days to 3 credit bureaus having me on " forbiddance plan '' covid relief program witch allows you not to make mortgage payments .I called several times and was told that multiple customers were reported to credit burrows by mistake.Report date XXXX was told by representative that on XX/XX/XXXX Community loan servicing sent letters to XXXX credit bearou to remove incorrect information.I talked to XXXX representaive on XX/XX/XXXX and he could not confirm that any disputes were associated by lender. 
I attached copy of the forbiddance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
disputed Information that does not belong to me and it still is showing on my report. My identity had to be stolen because there are multiple addresses that are not mine and info that is not mine showing on my report. I sent information a month ago only to still be dealing with fraud furnished on my report. they are breaking FCRA laws!

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 2022-01-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX, Home Depot advertised a discount for opening one of their consumer credit cards based on total purchase price. The consumer card is issued by Citibank. To get that discount, they provided a code to use at checkout to obtain the discount, after you signed up for the credit card. I placed an online order for a toolkit which also came with a " free '' tool. During checkout, I entered the discount and the discount appeared, lowering the total by {$50.00} as expected. I checked out using the credit card I was just approved for. Immediately after submitting the purchase, the final receipt that was displayed had the discount removed and the full amount was charged to the credit card. I immediately called the phone number provided for the account center and was told, the discount will appear as a statement credit on the credit card. 

When the first statement did not include the credit, I contacted them via the credit card secure message system on XXXX. I received a boiler plate response which did not address my specific issue. I immediately responded that it did not address the issue. The next response said the credit may take up to 2 billing cycles, if it does show up after that, contact customer service. The next statement did not show the credit and I contacted them via the secure message system on XXXX. They responded my request has been received and forwarded for review and I should feel free to check back in a few days. 

On XXXX, I still had not heard back. I sent another message but instead of waiting for the response which was likely to blow off the matter again, I called. The representative contacted some other department and finally explained, the purchase had another discount which voided the offer. I explained, again, how the discount showed at checkout, then was removed when I submitted the order. I called, was told it will show up as a statement credit. Two months after the purchase, I am told the discount I was given for opening the credit is no good because the item I purchased had a free item included which appears as a discount on the order. In that case, the checkout system should not have accepted the discount code. When I called with my concern about the order, I should not have been told it would show up as a statement 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 monetary relief
Consumer complaint received 2022-01-27
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to his day over 60 days later I have not received a response yel I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2017 I received a notice from Bank of America on my equity loan claiming that I applied for loan assistance for this loan ( which I never did ) that I missed payments when I am on auto debit from my checking account ( never missed any payments ) and that I am subject to foreclosure if I do n't complete their borrower response package ( when I never did any such thing ). All proof of statements are attached.

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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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

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 2021-02-06
Company: Shellpoint Partners, LLC
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:
Shellpoint Mortgage Servicing is incorrectly reporting a late payment to XXXX. I have bank account proof of on time payments. This needs to be fixed ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, XXXX XXXX ( Customer ) purchased merchandise from us and paid via PayPal. The Customer transaction ID is XXXX. In XX/XX/XXXX, Customer reported a problem with the merchandise and was instructed to rern the items for a refund. Inexplicably, Customer opened a chargeback with his credit card company. The chargeback caused Paypal to debit our account in the amount of the purchase- {$82.00}. We explained to Paypal that we'd gladly refund the Customer as soon as they return the merchandise, which to date has not been returned. On XX/XX/XXXX, Paypal closed the case, stating " we can not dispute this transaction any further ... ''. 
So now, were out the money AND the merchandise. 
We ask that PayPal refund the XXXX to our account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: MA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 5 unknown inquiries on my credit report. I have filed with each of the companies and expressed the fraud concern. They have not been removed from my credit report through all 3 bureaus. Investigations pending and being asked to report to FTC.gov for further proof / documentation. 

US BANK - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX via XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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