BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: Experian Information Solutions Inc.
State: CA
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:
I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.

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 2022-03-05
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint request. 

A identity theft report was filed with the Federal Trade Commission. The reference number is # 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 2022-10-10
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and US BKPT CT XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-03
Company: TRUIST FINANCIAL CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, consumer, XXXX XXXX, submitted applications for a consumer credit transaction to obtain a vehicle for personal, family and household purposes. 

Pursuant to the Equal Credit Opportunity Act, Federal Reserve Act and Truth in Lending Act, corporation illegally denied an extension of credit to the consumer. 

REGIONAL ACCEPTANCE CORPORATION sent consumer on XX/XX/XXXX the first of three denial letters providing evidence of discrimination. 

REGIONAL ACCEPTANCE CORPORATION was put on notice on XX/XX/XXXX with the first notice of dispute sent to XXXX XXXX in XXXX, NC, XXXX XXXX XXXX : XXXX Consumer submitted her third and final consumer credit application on XX/XX/XXXX and was notified by the dealership that she had been discriminated against for a third time. At that point the consumer reached out via telephone and eventually spoke with center manager, XXXX XXXX. XXXX XXXX forwarded an email to XXXX XXXXXXXX, Operations and Process Improvement Manager who caused a letter to be mailed to the consumer and continued to facilitate the discrimination against the consumer. Letter was dated XX/XX/XXXX. 
Consumer provided a final notice XX/XX/XXXX allowing XXXX XXXX to respond by XX/XX/XXXX. Consumer reached out to XXXX XXXX who stated that her response was under review and XXXX XXXX was notified that CFPB and FTC Complaints would be submitted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter which was ignored. By law since my request wasn't fulfilled by said company this should be dropped off my credit report. Attached is the first debt validation sent and proof via certified mail. Also attached will be an affidavit of truth sent by me on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Wellsin the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail, since they are reporting accounts with FRAUDULENT CHARGES. As of today they have failed to provide me with the proof I have lawfully requested. These accounts with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Accounts are the following : 1 ) WF CRD SVC XXXX. Opened Date XX/XX/XXXX, XXXX Credit Limit {$700.00}. Balance {$0.00}. Status : Closed. 
2 ) Wells Fargo Opened Date XXXX XXXX, XXXX. Limit {$5000.00}. Balance {$0.00}. Status : closed. 
3 ) WELLS FARGO BANK AUTO # XXXX Date Opened XX/XX/XXXX. Closed Date XX/XX/XXXX. Original Balance {$18000.00}.

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.

Attached : Letter sent to Wells Fargo and FTC Report.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: CT
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 have been having multiple issues with this company and they still refuse to update the false credit reporting. I was under the covid forbearance program and while i also had significant issues with that process, they are refusing to comply with the terms and still reporting the forbeared amount ( {$11000.00} as delinquent ). I have resumed making my payments consistently since XX/XX/XXXX and also in some cases made more than my regular payment amount and they have not been applying the excess amount correctly. 
They have also reported incorrect information in my credit reporting which was reported XX/XX/XXXX. These are all the incorrect information to date : 1. Reporting forbearance from XX/XX/XXXX through XX/XX/XXXXXX/XX/XXXXinstead of XX/XX/XXXX months ( please note that they should not be reporting this in the first place per CARES ACT ) XXXX. XXXX XXXX XXXX payment late even though they received payment per transaction report I pulled from their page. This XXXX transaction statement showed I pay {$1400.00} monthly and they only apply {$1300.00} which is incorrect. 
3. Month end balance as of XX/XX/XXXX is {$160000.00} and they are showing {$170000.00} 4. They are showing a monthly payment of {$1300.00} on credit report even though my monthly payment is {$1300.00} The number of inconsistencies is mind boggling to say the least. I called again today and spoke to XXXX who was beyond rude and asking me to email their support team even though I have done this on multiple occasions with no response to date. 

This loan servicing company is not complying with regulations and especially not following Section 6 of RESPA as they have refused to respond to any of my written requests. Please see attached the request emailed and sent to them on 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 explanation
Consumer complaint received 2019-10-18
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This is my second complaint with Navient. I feel like I am out of options. Navient acknowledges that I am totally and permanently XXXX. My federal student loans have been discharged through XXXX discharge. Navient has adjusted the interest rates on the loans taken out before what they consider my date of XXXX, but not the one taken out a few months later. Currently, as they are aware, my only source of income is SSI, which is {$770.00} a month, and which I will start receiving XX/XX/19. My monthly Navient payment, despite the " adjustment '' is {$240.00} pet month. This is 31 % of my already low income, so you can see how it is impossible for me to pay and still survive. My condition is not expected to change in the future ; I will never be able to pay {$240.00} a month. I have been in forbearance for months, borrowing the {$150.00} to keep them off my back, but I have no more forbearance time and they are calling every hour. I'm also pretty sure it's a robocall, because it takes a minute after I saw " hello '' for it to connect to a human, but that's a whole other issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: NC
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with Experian credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update to paid as agreed/never late. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 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 explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021, I purchased a toolset from a website that was advertising it as a XXXX XXXX tool combo with my Discover credit card for {$98.00}. After watching the tracking number for when it was supposed to arrive and even waiting a few days after it shows " delivered '', I contacted the company inquiring into why I hadn't received my items with no response. I then contacted my local postal service and gave them my tracking number who confirmed that the package was not sent or ever in transit and that this is a common occurrence to have fake tracking numbers from these kinds of companies. Long story short, I got scammed. So I did the next step and disputed the charge with Discover. Then said okay, we'll investigate it but will take it off. So I thought this was over and done with but saw they recently put the charge back on with a letter saying they don't have enough evidence to claim I didn't receive the item and that they contacted the scam company who says they sent it. They also told me that my only option is to get documents confirming the tracking number was false from the USPS. I contact my local postmaster and he gives me a letter confirming the tracking number was false and submitted that document to Discover. I also submitted my correspondence ( or lack thereof ) with the company showing that they have made no attempt at contacting me. I do all that to be told today that it isn't enough evidence, that the " Postmaster '' could be anyone and it all could be a made-up word document because it doesn't have a USPS letterhead. I'm at a complete loss and don't know what else to do to get this charge taken off my card for an item I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Complaint Regarding XXXX XXXX XXXX - Violation of HIPAA Law Dear CFPB, I am filing a formal complaint against [ XXXX XXXX XXXX ] concerning the collection efforts they have initiated for a medical bill, which I believe is in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and other applicable laws and regulations. 

This dispute is in reference to the following alleged debt : Creditor : XXXX XXXX XXXX Account Number : XXXX Date of Service : XX/XX/2023 Amount : {$910.00} I assert that I am well aware of my rights under HIPAA and other consumer protection laws. The medical information being collected by [ XXXX XXXX XXXX ] is protected by HIPAA, and it is unlawful for any debt collection company to disclose such sensitive information without proper authorization. 

I have not granted any authorization for the disclosure of my medical information to [ XXXX XXXX XXXX ], nor have I authorized them to engage in collection activities on my behalf. 

I demand that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that [ XXXX XXXX XXXX ] complies with the provisions of the Health Insurance Portability and Accountability Act ( HIPAA ) and other relevant laws and regulations. I further request that [ XXXX XXXX XXXX ] provides the following information to validate their claim : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original medical provider 's name, the date and nature of the medical service, and an itemized statement of all charges.

2. Proof of Authorization : Furnish evidence demonstrating that I have authorized the disclosure of my medical information to their company.

3. Compliance with HIPAA : Explain how their collection practices comply with the provisions of HIPAA and safeguard the privacy and confidentiality of my medical information. 

I demand that [ XXXX XXXX XXXX ] immediately cease all collection activities related to this medical bill until they can provide the requested documentation and demonstrate compliance with HIPAA. 

I am enclosing copies of all relevant documents, including the credit report showing the collection entry, to support my complaint. 

Please keep me informed of the progress of the investigation and any actions taken by the Consumer Financial Protection Bureau in resolving this matter. 

Thank you for your attention to this complaint. I look forward to a resolution that upholds my rights under HIPAA and other applicable laws. 

Sincerely, 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 2023-06-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See attached ID report that I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
I have been attempting to obtain a Chime Credit Builder account with Chime Bank since XX/XX/XXXX when I received an email around roughly XX/XX/XXXX. The application claimed that Chime Bank couldn't verify my identity. This was lim my because I put in the wrong address. I qualified per their terms for this service since I had a {$200.00} direct deposit over the past 12 months at that time. I currently have my SSI payment for {$790.00} being direct deposited to be my Chime Bank checking account. I have received it in my Chime Back checking account for the past 3 or more months. I made an error on my application in my email for the Chime Credit XXXX  card and the application had an error and timed out. I have asked them since XX/XX/XXXX and most recently XX/XX/XXXX to let me re-apply or send me a new application. Their customer service team just keeps saying they'll escalate the situation to the right department and it will take 24-48 hrs to receive a response. I usually spend 1-2 hours on hold or being argued with over something this simple. Just give me a new application. I usually get a response within 20 mins stating they have no way to offer me another application. This is not only unprofessional it's false advertising a product since I qualify for it and they won't give it to me or at least a chance to apply for the service. They've been arguing for about two years about this with me and have never offered a re-application process or what happen with my original application in writing.

Company response to consumer: Closed with explanation