BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All of my student loans have been consolidated via XXXX XXXXXXXX XXXX, however, Equifax is showing XXXX XXXX date opened XX/XX/XXXX amount {$5000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1100.00} ; XXXX XXXX date opened XX/XX/XXXX {$1200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$2600.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX XXXX {$5500.00} ; XXXX XXXX date opened XX/XX/XXXX {$1300.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$3700.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX {$35000.00} ; XXXX XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3200.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$4100.00} ; XXXX XXXX date opened XX/XX/XXXX amount {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hi, My name is XXXX and I have a problem with my private student loan. I have a hard time to find a good time job with benefits. Please let me know what are my options? I need to find a full time job with benefits and I only get jobs with the employment agencies. I need to find an stable job and it has been hard for me. I am in the process of bankruptcy and I dont have money to pay for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 explanation
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am a recipient of Unemployment Insurance benefits from the State of California via debit card issued by Bank of America. On XX/XX/XXXX my debit card was frozen due to alleged fraud. Since then, California has determined that my account was NOT a fraudulent account ( XX/XX/XXXX ). My identity has been verified numerous times to CA XXXX. To date, Bank of America has refused to re-open my debit card, will not give me a balance which was approximately {$7900.00}, and will not send a check to me instead. Their response is that " due to bank policy '' they can not unfreeze my card. They will not explain in detail what that policy actually is. I have been working through my State Senator 's office XXXX XXXX, to resolve this since XX/XX/XXXX. This morning I was informed by his office that CA XXXX has exhausted all options to resolve the issue with Bank of America. They referred me to your offices for resolution. Here is the response from his office : " Unfortunately, XXXX has exhausted all options and was unsuccessful in obtaining further assistance from BofA regarding payments that are on hold on your constituent 's bank account. Therefore, the constituent must continue to work with BofA for a resolution. In addition, the constituent may also file a complaint with the Consumer Financial Protection Bureau. They are responsible for overseeing complaints in the banking industry, and in our experience, they take swift action in response to received complaints about transactional fraud. A complete description of this process can be found here : https : //www.consumerfinance.gov/complaint/. Once submitted, individuals can follow the status of the complaint on the CFPB 's website in real-time. 

Im sorry at this point XXXX does not have the ability to change BOA policy and open the account. Please submit the complaint with the Consumer Financial Protection Bureau as they have the jurisdiction to resolve this issue with BOA. Thank you! ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX I did a pay to delete ( once paid they will remove from all 3 Bureaus ) with XXXX XXXX XXXX for the 2 accounts I had with them. I sent them a check stating if the cashed the check they are accepting the debt as paid full and will delete from all Bureaus on the letter and the memo section of the check. Check # XXXX was cashed and posted on my account on XXXX. I want the charge off accounts to be deleted from all Bureaus since they agreed and cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # : XXXX XXXXXXXX, XXXX. XXXXXXXX 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 have 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 an 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 2021-01-13
Company: EQUIFAX, INC.
State: NJ
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:
Submitted FTC report, statement and credentials for these accounts listed to be blocked and removed from my credit report. 
XXXX XXXX/ XXXX XXXX  Acct XXXX XXXX  Acct no : XXXX XXXX  Acct no:XXXX XXXX XXXX Acct no : XXXX XXXX XXXX  Acct no : XXXX XXXX  XXXX Acct no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I see credit cards in my credit report that I have not opened in my name I expect that it is fraudulent activity someones been using my identity

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 2022-04-27
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


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 explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: SC
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:
Equifax is reporting XXXX  date opened XX/XX/2011 in amount of {$410.00} on my credit file. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: SC
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 is reporting XXXX XXXX XXXX amount {$360.00} date opened XX/XX/2015. This information is outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Several student loans was opened XXXX have disputed these loans XXXX XXXX XXXX and XXXXOne was on XXXX XXXX with Navient and DEPT OF ED/XXXX The amount is $ XXXXThe 2nd one is $ XXXX also disputed an account opened with XXXX XXXX XXXX for {$1900.00} last reported XX/XX/2023 XXXXthe original creditor was XXXX XXXX, I did not give them permission to give someone this information, The last one is XXXX XXXXXXXX for a credit card that was opened for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TekCollect Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification from XXXX  that a collection was added for a company by the name of TEK-COLLECT, INC. Never received any documentation about this debt or type of communication period. The notification came through on XX/XX/XXXX, stating a collection in the amount of XXXX and the first date of delinquency was XX/XX/XXXX. No original company information was provided when this alert came through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting XXXX XXXX XXXX  Card Services as a charged off account. This account was Paid In Full on XX/XX/2023. XXXX  XXXX Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX processed payment of {$130.00}. XXXX  XXXX can be reached at ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Chime Financial Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with chime for hotel stay, at XXXX XXXX XXXX, the hotel was misleading and over charged, the hotel was bathroom was inoperable, XXXX continued to come up from the toilet when flushed and the hotel room smelled like XXXX and XXXX, I talked to the hotel XXXX and was not given a new room or any relief, I sent chime bank pictures of the toilet with the XXXX coming up and the toilet not being able to flush, I spent {$850.00} dollars on this hotel stay and had to borrow money from my father just to find another hotel to stay at, I live in XXXX and I was in XXXX XXXX XXXX and was stranded because the hotel didn't want to switch my room, so i left the hotel and had to find another one, I filed a dispute with chime for XXXX booking of the XXXX XXXX XXXX for {$550.00} and {$300.00} dollar dispute for the XXXX XXXX XXXX for over charging my debit card, when I didn't stay there, I need help getting a refund, this all of the money I had. I never stayed at the hotel and was still charged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: CAINE & WEINER COMPANY, INC.
State: GA
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:
I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. 

Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX 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 explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have had an account for a few years, recently ( XX/XX/2023 ) I choose to us the card. After not receiving a PAPER bill I contacted the bank in an effort to ensure the billing address and contact information was correct/current. to my surprise I was told I was enrolled in a an email/automated which i never requested for. I have always paid my bills with paper checks. this was a mistake the bank made, my fear is now my credit rating will be negativity with late fees, past due, and increased rates/fees. As of Monday, XX/XX/2023 I am still trying to get this resolved and I have not received the requested PAPER bill. 

Citi Bank is being deceptive and dishonest!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NY
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.

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 2023-08-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am formally disputing the inaccurate reporting of a Collections account by XXXX Collections on my credit report as of XX/XX/2023. Despite the fact that this account has been paid in full and closed, it is erroneously being reported as a Collections account, which is negatively impacting my credit profile. I kindly request the immediate removal of this inaccurate collections status from my credit report. 


I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to challenge the accuracy of this reported information. The FCRA stipulates that consumer reporting agencies are required to report accurate and verifiable information. In this case, the reporting of a collections account that is neither valid nor reflective of my credit history constitutes a violation of the FCRA. 


I would like to bring the following statutes and defenses to your attention : FCRA Section 611 : This section grants consumers the right to dispute any inaccurate or incomplete information on their credit reports. If the accuracy of the information can not be verified, it must be corrected or removed. 


FCRA Section 623 : Under this section, the information reported to credit bureaus must be complete, accurate, and not outdated. Any information that fails to meet these criteria should not be reported. 


FDCPA Violation : Reporting inaccurate information about a debt, especially one that has been paid in full, may be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from using deceptive or misleading practices. 


Given the inaccuracies in the reporting of this account, I expect its immediate removal from my credit report. I kindly request written confirmation of the removal and an updated credit report reflecting this correction. Furthermore, I urge you to communicate this correction to all major credit reporting agencies to ensure the accuracy of my credit history across all platforms. 


I appreciate your prompt attention to this matter. Please respond to this dispute within 30 days of receiving this letter and provide details on the actions taken to rectify the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: PA
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 did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation