BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: PA
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:
In accourdance with the Fair Credit Reporting Act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report 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 2022-04-23
Company: EQUIFAX, INC.
State: PA
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:
In accourdance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

The Addresses Do Not belong on my Credit Report. 

XXXX  XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX Nc XXXX These Telephone Numbers Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX This employment Data does not belong on my credit report XXXX XXXX XXXX These Names Do Not Belong on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are several unauthorized inquiries on my credit report that have not been authorized by me. This is a state of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a delinquent tax notice on XX/XX/XXXX. My taxes were due by XX/XX/XXXX. Franklin American Mortgage Company was to pay the taxes, which are in my escrow account. I called them on XX/XX/XXXX and spoke to a supervisor named XXXX. She told me that {$6.00} was taken from my escrow account when in fact the taxes due were {$330.00}. She said she did n't understand why the amount was n't questioned. The tax office has not received any payment on my taxes to date and the mortgage co. has not contacted them at all. I was told that by Thurs morning ( XX/XX/XXXX ) I would have an answer as to when my taxes will be paid and why they were n't paid. I called them this morning ( XX/XX/XXXX ) and was transferred to XXXX extension after holding quite awhile just to get her voicemail. That was around XXXX to XXXX. I still have not received a call from her. I had told her I did not want my name in the paper for delinquent taxes or having it sold on the courthouse square for delinquent taxes. I also had to contact them last year about paying my taxes. I need them to pay my taxes ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-09
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance mortgage on my single family home in which I reside. 
I have provided information parsimoniously requested of me for the past 4 months. 
I have been strung along on this process being required to increase my home insurance coverage to accomodate Sebonic Financial requirements. I have provided XXXX appraisals demostrating I have well over 40 % equity in my home. When I began engaging with Sebonic Mortgage and Cardinal Financial process my credit rating was very good, I received this email in XXXX from the Mortgage Representative XXXX XXXX, " Finally! Thanks XXXX. I just requested update from lockdesk. I know they are slammed. Will provide update as soon as I hear from them. May not be until tomorrow though. Thanks XXXX. " On Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : '' Yes, we finally received the verification information. We had to get XXXX to update their records with the third party verification company. ''

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 2022-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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 2015-08-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Funds where released on XX/XX/2015But order mail to banck not until XXXX/XXXX/15

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX JJ Marshall & Associates , IncXXXX alleged that I owed them a debt of {$910.00} and began reporting this collection account to all three of the major credit agencies on a monthly basis. In XXXX of XXXX I sent JJ Marshall a debt validation letter and requested evidence of their legal standing to collect the alleged debt. In XXXX of XXXX JJ Marshall responded that my dispute was lacking any facts or information that would allow them to conduct an investigation. They also sent me a copy of a lease agreement that did NOT state, appoint, or recognize JJ Marshall & Associates Inc. as the landlord 's representative or the assignee of the landlord. Therefore, JJ Marshal failed to provide their legal standing in this matter and used my personal information without my consent to manufacture an account that was deliberately reported to the credit reporting agencies in an attempt to collect a debt that was not owed to them. I proceeded to dispute the account with the credit reporting agencies but the account was continuously verfied. In XXXX of XXXX, I reached out again to JJ Marshall to give them another opportunity to provide me with their legal right to collect on the alleged debt in hopes of resloving the matter. JJ Marshall ignored my request and continued to update the account as a collection, causing severe ongoing damage to my credit report and score. On XX/XX/XXXX I made one last goodwill attempt to resolve this matter and JJ Marshall declined to settle. After exhausting all options I filed a police report for fraud with my local police department. JJ Marshal has not only violated the Fair Credit Reporting Act and the Fair Debt Collections Practices Act but they also violated my rights under the Michigan Consumer Protection Act to include multiple offenses XXXX Unfair, unconscionable, or deceptive methods, acts, or practices in conduct of trade or commerce. JJ Marshall has yet to supply me with ANY evidence that they have the legal authority to collect this alleged debt and therefore have no right to report this derogatory and fraudulent information on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
USAA Savings Bank reduced my credit limit to XXXX from XXXX.with no apparent reason. At the time of this reduction my credit score was XXXX and I had a balance of XXXX on the card.more or less and account is current. Do to there reduction my score went to XXXX because I was at 92 % of my credit limit with them. The bank sent me a letter stating several possible reason of witch they did not pertain to me.I called them and asked for an explanation they stated they could not give an explanation that it was in my credit report. 
So i pulled my report and had XXXX banks review it. found no reason for this reduction. I have been a long tern customer and feel this is unfair. They have damaged my reputation unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was approved for a Barclays Master card on XXXX/XXXX/16 with a XXXX credit limit. on XXXX/XXXX/16 I made a payment by money order in the amount of XXXX on my account parital payment. On XXXX/XXXX/16 I went to check my account only to find out that Barclays had closed my account. I call customer service to ask why my account was close and was told that they pulled my credit report and closed my account. That does not make sense since I have just open this account on XXXX/XXXX/16 and just made a payment of XXXX on XXXX/XXXX/16 when my first due date is XXXX/XXXX/16 also they pulled my credit report and approved me. I believe that I am being disccrimated against because I am a minority Barclays bank do not approve many minoritys for credit when you look at there history. They need to be investagted for unfair business practices

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 2015-10-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I applied to care credit for assistance in financing some dental work I was having done. I was approved for an XXXX credit limit. For awhile I was making my payments monthly until I noticed that I had paid over XXXX and only XXXX was credited towards my account. I recently received a bill from a collection Agency stating that I now owe XXXX on a card with an XXXX dollar limit. I am aware that Care Credit has changed their name to Synchrony Financial however the company does still try to call me for the outstanding balance. I found these XXXX companies to have deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions 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:
Despite two written requests, the unverified items listed below still remain on my credit report 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. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy ofANYoriginaldocumentation ( aconsumercontractwithmysignatureonit ) asrequiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 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. 
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Unverified 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 non-monetary relief
Consumer complaint received 2022-04-23
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 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 602 A. Also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Okay as I go to look at my fico score for XXXX, XXXX, and Transunion I get the score unavailable indicator.. 

For reason being whats wrong with my fico score and why it says unavailable it has enlisted for one of the indicators on all three of my reports that Ive been labeled as deceased.. this is unlawful use of ny credentials and is in violation of fair credit reporting act and I would like to be compensated for this

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 3.Account Name : XXXX XXXX Account Number : ending in XXXX XXXX5 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 4.Account Name : XXXX XXXXXXXX Account Number : ending in XXXX 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 instruction 5.Account Name : XXXX Account Number : XXXX 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 2020-04-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed a collection account that is listed on my credit report by CLLCN BUREAU OF THE HU., XXXX XXXX XXXX XXXX, XXXX , N. Y. XXXX. They are attempting to collect an alleged debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is my mortgage holder. I have been trying to modify my loan through the home preservation program since XX/XX/XXXX. It is always the same thing, " we have all the documents we need, they will be sent to underwriting ''. Without fail I am then contacted ( sometimes ) by email or letter that additional documents are needed ; as well as the original documents which now ( according to them ) has expired. My " specialist '' never returns my calls or emails.

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 2022-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I called to notify my lender that I was still XXXX in order to get an XXXX deferment on my loans and payments due ; however I continued to get statements showing a payment due as well as accumulated late fees. I called again to inquire as to why I am still being charged late fees if I am enrolled in school half time. I was told by a representative that they had not received proof of school enrollment through the national clearinghouse. I then asked if the late fees would be reversed once my enrollment and date showed on the national clearinghouse site and I was advised that those late payment fees would still apply even after my enrollment date shows I was eligible for a XXXX deferment. I was then offered to be put into a forbearance status until they receive my enrollment proof ; however this would count against any future forbearance that I would be eligible for and the representative did not reveal this information to me until I asked. I immediately contacted my university that I 've XXXX with since 2014 and was advised that they send enrollment information on the XXXX of each month ; therefore I feel as though Navient is charging me unnecessary late fees and ultimately causing my payments and interest to be higher. My payment was not due until XX/XX/XXXX and I was already XXXX therefore Navient should not charge me late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX ( Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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