BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Bank of America reported that my account was delinquent in XXXXXXXX XXXX XXXX past 180 days .... when I was working with a loan officer for a new home mortgage she told me that the credit report she pulled showed a 90 day delinquency in XXXXXXXX XXXX XXXX. My home loan was modified and I have made every payment on my mortgage before during and after the modification even when it was in forbearance due to covid. I need this false reporting removed from my credit history so I can move on with selling my property and buying another one.

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 2022-07-26
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: Account status incorrect

Complaint:
There is currently an inaccurate item being reported on my credit report from XXXXXXXX XXXX XXXX I have never been late on this account and they furnished information to you stating that I was 60 days late during the month of XX/XX/2021 and 60 days late during the month of XX/XX/2021. Furthermore, they also claim that I have a balance of {$3000.00} left to pay and a High Credit of {$1500.00}. This information is false and incorrect. I have never been late on this account and I do not owe a balance on this account. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, CA XXXX. 
As you can see, I have uploaded a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item information is updated to no late payments and a {$0.00} balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My claim should be honored because my ATM card was stolen from the Company 's ATM machine. I made a deposit that day and the never got the card back. I believe who ever the next person used the same ATM machine stole the card and have used at different stores and restaurants many many times. I reported all the transactions not made by me to Navy Federal credit union on XX/XX/22. I believe my card was used without a password and i don't understand why this bank alerted me days later. Unfortunately, the company said that there was no error. They did not do an investigation. They did not check the camera of their ATM machine. I believe they did not do anything at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Did not read mini Miranda and hung up on me and keep calling twice a day after I answer the call every morning they call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Their website wo n't allow me to access repayment options it takes me to the page where I can pay the current due instead of showing me income driven repayment plans!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
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 to the with the fair credit reporting act 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  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 explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: WI
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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX XXXX  Account number : XXXX, Account name : XXXX  XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX, I sent through CFPB XXXX Case # XXXX XXXX, a dispute on an unrecognizable entry XXXX Discover credit card, joint account ) on my credit file that was not mine. 
After Discover 's investigation, on XX/XX/XXXX, I received Discover 's final response ( through CFPB ) which reads in part as follows : " Based upon your assertion that you were added to the account without your knowledge, as of XX/XX/XXXX we have removed your name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from your credit files. Please allow some time for this update to reflect on your credit reports. The Credit Bureau Reporting Agencies that we report to are XXXX XXXX, XXXX and XXXX. " On XX/XX/XXXX, about 7 months later, I contacted XXXX to make sure they did what Discover requested them to do and that was to remove the Discover listing from my credit file. It was not done. To find out why it was not removed, XXXXat my request, XXXX sent my dispute reinvestigation request to Discover and Discover responded XXXX via XXXX XXXX which reads as follows : " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. " I do not know what 's going on here. The Discover letter XXXX dated XXXX/XXXX/2014 ) I received and the Discover representative assigned to investigate my dispute through CFPB case # XXXX, that the case was closed ( desired resolution in my favor ) and that Discover has removed my name from the account and sent updates to the credit bureau reporting agencies requesting that the account be removed from my credit files. 
So with all that being said, why is Discover saying that the account belongs to me when they stipulated in the closed resolution letter dated XX/XX/XXXX enclosed, that they had taken action to remove my name from the account and so forth as stated above. 
There seems to be communication problems within Discover for the reason this action should have been taken care of months ago. ( removing my name from account and XXXX removing Discover listing from my credit report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 asked XXXX to verify the company received physical documentation I filed for bankruptcy and have a bankruptcy case from the state of New Jersey. XXXX has not provided this documentation from the state of NJ requesting for XXXX to report this information on my credit report. Instead, XXXX responded by explaining they are currently reporting hearsay, per report number XXXX dated XX/XX/2022. 

Instead, XXXX continues to be in direct violate the law consumer 's right to privacy, per 15 US Code 1681A 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 2017-01-03
Company: The CBE Group, Inc.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am an XXXX citizen currently living in XXXX I had a phone account with XXXX. In XX/XX/2014, I contacted XXXX to turn my phone service off ; however, they continued to keep it on and after XXXX attempts of calling over a period of months they charged me for the time they incorrectly kept my line open, as well as a disconnection fee. Now, they have sold the " debt '' to a debt collector. I have attempted to contact the debt collector via email on multiple occasions, but they do not provide a phone number that I can call from a foreign number. They continue to send messages asking for the money, though. Please help. 

I feel like 1 ) This debt is heavy given the circumstances, and 2 ) The debt collector has made it nearly impossible for me to communicate with them from abroad so we can agree on a best way forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a Discovercard account protected by their Payment Protection XXXX program. I filed a valid XXXX claim for XXXX sustained on XXXX/XXXX/XXXX, that was approved. As required by the plan, I submitted periodic continuing claim forms. In XXXX, XXXX, I was declared by XXXX of my physicians and XXXX Social Security physicians XXXX and unable to work. It was decided that I would never be able to work again. My continuing claim forms had been indicating for the past year that my XXXX had gone from temporary to permanent with no statement from Payment Protection even when asked. The only statement I received from Payment Protection was after filing my Continuing Claim form in XXXX, XXXX, I received an email stating that my claim had been approved. That would be the last correspondence I would receive. 
As my injuries would lead to the discovery of an XXXX, and I have no familial assistance, my energies and focus went into handling my health. Not receiving anything from Discovercard, I was not thinking of them until I received a letter from a XXXX XXXX in XXXX, XXXX advising they were ready to put the account in an attorney 's hands for suit. I wrote them and advised that the account was supposed to have been paid off by Payment Protection and sent copies of the XXXX 's. I received no response until I received a correspondence from a local attorney. I responded to him by sending him the documentation from the Payment Protection claim and advising him that pursuant to the terms and conditions of my contract with Discovercard Payment Protection XXXX, I had an approved XXXX claim and as far as my understanding, the claim paid off the debt. Two months later, I received a non-responsive correspondence containing my application, years worth of statements and what appeared to be a canned form cover letter stating that the enclosed was proof addressing my concerns. Nothing about the payment protection. I answered back on XXXX/XXXX/XXXX. No response from Discovercard 's attorneys. On XXXX/XXXX/XXXX I sent a follow up stating that barring a response otherwise, I was presuming that they had found they were in error and had performed an investigation and found themselves to be wrong. Again, no response. 
I found out today that on XXXX/XXXX/XXXX they wrongfully filed suit against me for a debt I do not owe. I have yet to be served. 
My issue involves : Credit Protection/Debt Protection Over Limit Fees Late Fees Other Fees Transaction Issues Delinquent Account Customer Service/Customer Relations Billing Disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NJ
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 asked XXXX to verify the company received physical documentation I filed for bankruptcy and have a bankruptcy case from the state of New Jersey. XXXX has not provided this documentation from the state of NJ requesting for XXXX to report this information on my credit report. Instead, XXXX responded by explaining they are currently reporting hearsay, per report number XXXX dated XX/XX/2022. 

Instead, XXXX continues to be in direct violate the law consumer 's right to privacy, per 15 US Code 1681A 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020, I contacted the payoff department to request a payoff statement. Within that email I stated that the reason for the request for was for sale of property. 

I then received a email from XXXX XXXX ( payoff dept ) on XX/XX/XXXX, stating the reason again for the payoff. I responded with that I needed a payoff for 30 days because at that point I didn't know the closing date. 

On XX/XX/XXXX, payoff was received and everything looked corrected. 

On XX/XX/XXXX, I sent another email to the payoff department requesting a updated payoff, since at this point I actual had a closing date. Within that email I stated the closing date and closing time. 

On XX/XX/XXXX I received the updated payoff. I reviewed the payoff, and notice a {$750.00} attorney fee. Which was never on the first payoff that was provided. I reply back to the payoff department and instructed them to remove the fee since I had no knowledge of the fee. 
At this point, another individual responded back and stated it was for the foreclosure process and that the lender had no knowledge of what was going on. 

I then responded with I wasn't 60 days past due to proceed with a foreclosure process and that I had never been given attorney documents for such a fee. 
I also let them know that I did make them aware of what was going on with the property. 
I asked them again to remove fee and that is when they stated the fee would stay on the payoff statement. 

I was a former employer, so I feel that they added the fee as vengeance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: DRS Financial LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I asked for a letter to be mailed to me. I do not want to keep receiving phone calls and I told them. They rudely told me they are not going to send me anything and that I should just pay the bill. Then they said they would remove my phone number from the call list. I do not believe they removed my number and I expect to hear from them again by phone.

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 2022-12-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter disputing false information on my credit report to Experian on XX/XX/XXXX, they didn't finish their investigation until XX/XX/XXXX which is a violation. Then they didn't fix the errors so i submitted a complaint to the CFPB on XXXX XXXX, it is now XX/XX/XXXX which is 15 days and still no reponse from experian stating that they are going to fix the problem.

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 2022-07-25
Company: EQUIFAX, INC.
State: NV
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 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried to get a n Opportunity account with Wells Fargo bank - my employer. I tried to get one last XX/XX/XXXX in XXXX, AL. and to day in XXXX AZ. - both with WFB. <P/>this account is advertised for people with bad credit and bad history with banks which is me. <P/>they always got to a credit reporting agency and the info gained there from denes me the chance to open another bank account with my employer ... WFB.

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