BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to dispute the following accounts : Fill in the accounts you want to be disputed, and be sure to add the account numbers with each account. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: VA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX and XXXX sent a letter verifying that the US Bankruptcy that was being reported on my credit reports was unverifiable and the bankruptcy was deleted. Experian, XXXX and XXXX has continuously verified the Bankruptcy as " Updated or Remains '' and the bankruptcy does not belong to me. I have provided all three credit reporting agencies with the DELETION LETTER from XXXX and it has not been removed. The lack of investigation has cause me much pain and suffering.

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 2023-03-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I enrolled in XXXX XXXX XXXX XXXX, CA ( not on your list ). They misled and inflated their promises of 100 % job placement. They also manipulate their attendance records for their own gain. I was sent to an intern site during my second month and then called after 3 weeks that I would be dropped for non attendance. I was then told that I need to get back to class. When I went back, I missed 3 weeks and was sent to a room across the hall and told to read through the material and do the assignments. Essentially, I was told to teach myself. I did not understand it and did the best I could and amazingly I finished XXXX XXXX XXXX XXXX with honors. I did not know how to bill and only knew some coding from a previous XXXX XXXX class. I never received any job assistance and was also never certified as I was told. I received nothing but wasted time and debt. I was in forbearance and hardships for years before being told about income based repayment. Navient led me into years of high interest debt being in forbearance and hardship, also for their gain. Before the AG Settlement payments, I was told I did not have to do anything to receive a {$450.00} settlement check and possible forgiveness. I have not received any settlement or talk of forgiveness. I have called AG Settlement several times, and was told on 3 occasions that my case was being expedited and I would receive a check 4-6 weeks. Never received a check or correspondence. I have been told to call the Attorney General, they referred me back to AG Settlement, who referred me to call Navient, who referred me back to AG Settlement. I went on the Attorney General website and emailed a complaint XXXX  and also mailed ( USPS ) them a complainXXXX XXXX XXXX have never heard from anyone. I called back to AG Settlement and was told that there is no check and they are very sorry for the misinformation. I was then told I could contactXX/XX/XXXX Consumer Financial Protection Bureau and Federal Student Aid Ombudsman. Consumer resources is the same site that I sent a complaint by email and USPS to the Attorney General. Next I will see where the Federal Student Aid Ombusman takes me. I attended this school XXXX. I do not remember exactly. The school is closed now but when I attempted to get my transcript, I was told there are no records. So why am expected to pay this loan? And why am I not entitled to a settlement that I fall in the category of. It sure feels like discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account does not belong to me

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 2020-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
debt is not mine i was a victim of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: PA
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:
Never missed a payment until identity was stolen back in XXXX. I recieved 3 late payments after reporting my card lost or stolen. Company helped me regain access to my card by mailing in documents confirming my identity. Company reopened card and said they would get the late payments removed which they did not. ive asked the company to do this seven times within the last year and still no results

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 2023-09-19
Company: EQUIFAX, INC.
State: TX
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 account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act XXXX  Account 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 ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: OH
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:
Submitted dispute about state tax liens on my credit report with Equifax on XXXX XXXX, 2017. The tax liens have been released as of XXXX XXXX, 2017. Equifax refuses to remove said liens from my credit report even after showing proof of liens being released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested to XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit 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 explanation
Consumer complaint received 2023-11-02
Company: Netspend Corporation
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Okay I keep getting you Skylight cards in the mail when I go to activated it sends me to Skylight direct I know when you activate a card you put your info in and it should be activated but no it sends me to them every time so I know there was money on those accounts and they're fraudulently scamming me not only that I'm going through identity theft and I know I am I have a bunch of inquiries on my credit report I have my annual credit report now I've been data breached by XXXX and carvin software program I can't get in any of my accounts or keep anything and I'm being wrongfully convicted he sent to jail multiple times also I have people trying to knock me off the road you're driving crazy there's traffic everywhere around me I called the FTC I went to the social security building in downtown XXXX for XXXX XXXX building they told me they can't change my social security number unless I have a bunch of information which I do now also I can't keep people out of my XXXX account social media accounts and I'm always getting scam calls and people on XXXX saying I won the lottery I got to pay them {$300.00} first

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 2023-03-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with SYNCB/Paypal Account XXXX XXXX It seems that in XX/XX/2023 a late pay is reporting on my credit report. I have tried to maintain good credit I somehow missed this payment but as soon as I was made aware of this I quickly got the account caught 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 explanation
Consumer complaint received 2023-02-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XX/XX/XXXX. stating that a garnishment had been placed on my account. When I contacted the company they said it was for a debt and asked if the date of birth was correct. It wasn't and then I was told that the company doing the garnishment should contact me. I then received a letter about the garnishment on the XXXX of XXXX and contacted the company on the XXXX. They asked for my date of birth and my last four of SSN. The date of birth was wrong, but the SSN was correct. But they stated this was for a credit card that I never opened or had any idea of that was in my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A payment of {$190.00} made on XX/XX/26 has been placed on hold for XXXX days when the payment method has been used several times in the past without any returned payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There were several checking accounts that were allegedly opened up and seem to have been defaulted on. I need assistance with this issue as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX BB and T- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX The banks above I have no connection to. Suntrust Bank, however, is a bank that I have been connected to but the balance seems to be off and incorrect. 

Suntrust Bank- XX/XX/XXXX Please, if you all would be able to investigate or remove that would be ideal and great. It's been difficult to open an account and move on life. 

Should you all need any assistance please let me know. 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 2023-07-10
Company: CCS Financial Services, Inc.
State: OH
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:
I hope this email finds you well. I am writing to address a matter regarding the debt associated with my account. After careful review and consideration, I have come to the conclusion that I am not responsible for this debt. 

As a diligent individual, I believe it is essential to have a clear understanding of the contractual obligations involved. However, despite my previous requests, I have not been provided with an original copy of the contract pertaining to this debt. 

To ensure a fair and equitable resolution, I kindly request that this is removed from my credit report. However, I want to emphasize that I have no knowledge of this company, nor have I ever engaged in any business or financial transactions with CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX XXXX I appreciate your prompt attention to this matter. Please note that until I receive the requested documentation, I maintain my position that I am not liable for the debt. I trust we can resolve this issue in a mutually beneficial manner. 




Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On or about XX/XX/XXXX, Bridgecrest, formerly known as XXXX, took possession of the vehicle for which a contract was created on or about XX/XX/XXXX. Bridgecrest at no time provided me with the lawful disclosures regarding rescission at the time of purchase violating 12 CFR 226.15. Bridgecrest also violated my rights by subjugating me into an adhesion contract. An adhesion contract exists if the parties are of such disproportionate bargaining power that the party of weaker bargaining strength could not have negotiated for variations in the terms of the adhesion contract. Such was true in my case with Bridgecrest. Bridgecrest also failed to produce any contracts containing my wet ink signature denoting agreement to the terms and conditions of said contract. Bridgecrest failed to produce a " clean title '' for the vehicle clearly demonstrating ownership and/or any lawful liens placed on the secured interest. Bridgecrest has also failed to provide a Bill of Sale for the automobile for which the allege was sold at auction and for which they received monetary gain but did not provide any credit to me. Bridgecrest has yet to produce any documentation with my wet ink signature, that they engaged in a lawful and legal transaction with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-06-29
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
I told Equifax to reinvestigate XXXX XXXX account on XX/XX/XXXX, 2023.They stated everything was accurate and completed on XX/XX/2023. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I asked XXXX XXXX serval times of date of last reported, date of last activity, payoff disclosure, credit insurance, interest rate. And the original contract with my signed signature on it according to the FCRA LAWS pertaining to my credit report. I did not receive anything from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
BB & T Bank had pre approved me for a home loan. I sold my house and paid off the mortgage that was also thru BB & T Bank. I put down money in escrow, paid for an appraisal. Paid for a survey and an inspection. Now the underwriter added things right before I get ready to close on the house I was purchasing. I paid to have farm animals moved to a boarding facility. I have nowhere to live due to the underwriter doing this. This has created a horrible hardship for me. I can only stay at a friend 's house a little bit longer. BB & T bank which is Truist now. Has put me thru the wringer and I have no place to go because of the underwriter. Please help me out. 
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 explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Accounts # 1-6, has VIOLATED My Rights.

1. XXXX XXXX XXXX XXXX XXXX Acct # XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.

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