BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom this may concern, I sent a letter to XXXX, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the XXXX and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature.

Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Santander Consumer USA Holdings 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was dealing with only one account that's in question on my Credit Report. i don't know where did they get this information and why they furnished this on my files. 

XXXX XXXX XXXX Account # : XXXX I have been raising and escalating this to Consumer Reporting Agencies on multiple occasions and I haven't received any updates from them until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Personal information incorrect

Complaint:
Just recently a debt popped up on my credit report dating back from XXXXnot ONCE did this agency try to reach out to me, write any letters, or emails, nor provide any phone calls telling me anything about this debt. Upon looking at my credit report it plummeted because They are charging me a little over XXXX dollars. I was never even made aware about this? Is there some kind of law prohibiting 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 explanation
Consumer complaint received 2020-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with chase for the {$200.00} bonus as advertised and never received my bonus. I called for about the third time to follow up yesterday ( The last day to receive the bonus ) XX/XX/2020 and the customer service representative gave me the run around saying I had to wait XXXX more days, it was the XXXX time they told me that and I mentioned that and they said I had to be patient ... the first time I had a direct deposit since the XX/XX/2020 as a requirement for the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX XXXX  I requested all my covid payments refunded to me under the CARES act. They said they would start that process. In XX/XX/XXXX my covid payments were added back to the balance of my loans. I was told the check was sent to me in early XXXX. In XXXX I called back advising that I had not received my refund check. They stated they would place a stop payment on the check and resend it. I never received that check either. Each month I have called asking where the refund check is. Finally, I was told the check was mailed out on XXXX XXXX XXXX XXXX and I still have not received a check. Each time I call NelNet it is a 3+hour hold and each time I speak to a rep they tell me something different. I am at my wits end with them. I don't know where to go from here. Now they are telling me to wait another 60-90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Westlake Services, LLC
State: KS
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, right to privacy and confidentiality 15 usc 1681 XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPENED XXXX DATE CLOSED XXXX DATE REPORTED XXXX XXXX XXXX XXXX 115 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 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 be 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 2020-08-12
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ask to delete a charge off that was on my credit reports for near 7 years. But I paid XXXX credit card two years ago in XXXX. It was deleted from XXXX but only updated to XXXX now but did not delete it. When my letter stated two years ago that if they cashed my check that it would be deleted from credit reports. They cashed check but never took them off reports. I disputed it and was taken off XXXX but updated it for XXXX and Experian. So I ask to take it off all reports of my credit reports. Has it very unfair to stay on my credit reports since it was paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is saying I have accounts on my credit and I know I did not open them this is with out my knowledge and is affecting my credit and I reported it to TransUnion and they will not investigate

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 2016-02-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a home loan, I was approved. When I was to close on the loan, the closers said unless the taxes on the home were paid, we would n't be able to get the loan. They presented a settlement statement sheet, that states moneys were deducted from the loan amount, to pay taxes for XXXX parcel XXXX XXXX {$160.00} and XXXX {$1700.00}, as well as parcel XXXX delinquent taxes for {$2400.00} which is for XX/XX/XXXX, also parcel XXXX XX/XX/XXXX XXXX {$4.00} and parcel XXXX XXXX {$44.00} and parcel XXXX Delinquent {$76.00}. They also state that they charged the borrower {$1500.00} to do it. I talked to XXXX XXXX, they told me several times, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, that the taxes were not applied to the right place, that delinquent taxes, were to go to XXXX XXXX in XXXX. I also told them if the taxes were n't paid before XX/XX/XXXX penalties and interest would accure. They sent all the taxes to the City of XXXX. They were not paid on time, so Citizen Bank paid the taxes it seems. Now they are coming after me. I have been paying my loan on time. All of a sudden, they stopped applying the money being sent towards the loan, created and escrow account, and I owe them for taxes not paid for XX/XX/XXXX. The payments are being sent, but since they say we owe, they are not applying the payments to the loan, but to the escrow towards the taxes. I have made several attempts to show them their error, but nothing has worked thus far. This matter is getting worst, and it will potentially ruin my credit, as well as a possible foreclosure for none payment. I paid the XX/XX/XXXX XXXX taxes but somehow they managed to pick up the winter taxes. They keep telling me, that they are investigating the matter, but still not applying my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/SAMS XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-05-25
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got a car financed through us auto sales in XXXX, now the company have closed and have sold my contract to XXXX XXXX XXXX XXXX I have a valid warranty on my car that nobody will honor but I am being charged for it. Ive been paying my car note on time and cant use my warranty and really feel like thats fraud on us auto sales inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Bread Financial 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX {$150.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX/ XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT COMENITYBANK/ XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX  {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Carvana made false advertisements about a XXXX down payment, 90 day deferred initial car payment, 7 day swap into a different vehicle. The later two being the eye catching feature for purchasing a vehicle. The representative XXXX shredded the initial contract paperwork and a month later used the same date as the purchase date for the vehicle. This cause the 7 day time period to switch into a cheaper vehicle to lapse. The initial car payments to be due sooner. This created chaos and two payments to be made within the same month. This caused one month payment to be omitted. As advertised a deferred payment was offered due to COVID-19 then later rescinded due to the percentage rate being too high. The offer was exclusively for those with lower interest rates. Emails were sent requesting the Bill of Sale to be provided to Carvana ( who originated the document ) from the consumer before the registration or tags would be issued. The time lapse for the time the paperwork was shredded. XXXX who collects the car payments did not report each payment. The credit amount was reported as increased which made the payments appear to be underpaid. The credit score decreased 42 points. This has the potential to diminish refinancing. During four months of a few visits to the XXXX juke box vending machine, calling and being placed on hold, calls transferred and disconnected, no answer at times the tags and registration were finally released. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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

Company response to consumer: Closed with non-monetary relief