BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian, XXXX, and XXXX immediately cease all credit reporting on my report XXXX XXXX XXXX of collections with XXXX XXXX XXXX. This is a violation of FCRA. 
XXXX XXXX XXXX XXXX ( 2 ) XXXX {$600.00} and {$460.00} XXXX XXXX XXXX XXXX has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. 

Immediately cease reporting of false and inaccurate statements to credit bureaus XXXX XXXX, and Experian by 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 2019-03-16
Company: National Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received zero notice to collect the debt. NONE. I am homeless and have XXXX children. I have XXXX and XXXX  conditions which have kept me from attaining steady employment since graduation. 
I live in transitional housing and receive welfare. Why would you take a refund from my children??? 
Nothing but a bunch of monsters. I don't live in North Carolina anymore. My family that forced me to get these refunds took them I have XXXX from this abuse. I have no money in my pocket and we needed that money to eat. 
I would have gladly set up payments if I had been given some form of notice. 
I need my refund ( S ) back If they were in contact with me and not my abusers we would have no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
I am a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681.I have the right to privacy and I did not give Equifax to furnish these accounts XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

OPEN : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
not mine FCRA violations XXXX XXXX {$0.00} Closed 24 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$0.00} {$14000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Original loan amount {$14000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO CO CO - - - XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO XXXX - - - - - - - XXXX XXXX XXXX On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 79 Months Company sold Invalid date Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX You're looking at an old report. 
If something doesn't look right here, check your most recent credit report to see if it's up to date. 
Hide not mine : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company indicated that it pulled my credit report indirectly. This company is NOT being complaint with the FCRA, they will not remove the inquire after dispute. This is a violation as they did not have my written permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Fidelity National Information Services, Inc. (FNIS)
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:
On or around XXXX XXXX, I had submitted to ChexSystems that I had been a victim of identity theft and I had incorrect information on my ChexSystems report, that I wanted to dispute. I received a letter today dated XX/XX/2022, advising me that the reinvestigation of 2 credit inquires, both from XXXX XXXX XXXX XXXX, dated XX/XX/2022 and XX/XX/2022 that were part of my identify theft, had been verified as accurate information. This is incorrect and unacceptable. They did not provide me with any detailed information proving to me this. XXXX ID 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 2019-04-04
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an issue going on with payments and billing on card number ending in XXXX. Because Citi wanted to make money off me by increasing Late Fees, they said they can not allow me to change my due date when I really needed to change it. 

Citi just WITHOUT my asking or CONSENT and in violation of the law changed my due date on the credit card so that I will miss my payment due date and those criminals can now charge me the late fee they were increasing on my account. I did NOT ask for my due date change this time and the date was changed ARBITRARILY by Citi. I have an automated email from Citi evidencing that change from today.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting I only have XXXX  years of credit history. The other 2 credit reporting agencies report I have more than XXXX  years of credit history. My student loans were originated in XXXX  so I have at least XXXX  years of credit history, not XXXX  years. 

Transunion needs to correct the XXXX  years and change it to XXXX  years of credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Financial Recovery Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX was a fraud credit card. I filed a police report years ago and the credit bureau took the item off my credit report. The debt was recently sold to Financial Recovery Services , Inc . They sent me a letter and stated that I owe {$180.00} and to call or write them by XX/XX/2022 to dispute all or part of the debt. It is not XX/XX/2022 and its already illegally reporting negative on my credit profile Not to mention this company is not licensed in Georgia. I would like for this company to fix the error immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have medical bill reporting on my credit that I have no knowledge of. I have never utilized these services under no circumstances. This debt does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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:
I checked my credit report and noticed multiple accounts on my credit report that I do not Recognize

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 2023-06-26
Company: EQUIFAX, INC.
State: CO
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 just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Huntington bank closed my account because of a dispute that was resolved in 2017. They would not give me a reason why they closed my account and they wont let me reopen an account with them when i don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
My newly issued credit card from Best Buy/Citibank Visa was intercepted in the mail before reaching me. It was used to charge approximately {$1600.00} in merchandise. I was informed that the card was pre-activated when it was issued and mailed out. This should not be a practice of any responsible company, as it is practically asking for fraud to occur at the expense of not only the creditor, but the consumer who has to suffer consequences because of this unsecured practice. I am reporting this because I want to take every possible step to protect my credit which I have worked diligently to repair. This breach, albeit temporary as explained to me by the credit card company, has damaged my credit. I would also like an investigation into my local post office, because within this month, another newly issued credit card from XXXX XXXX was also intercepted in the mail. Fortunately, that card was not pre-activated as in the case with the Best Buy card and I was alerted to the fraud and issued a new card immediately. Thank you for your time and attention.

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 2022-11-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive been trying to resolve this issue but Equifax refuses to remove the following fraudulent inquiries from my credit report : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS REMOVED AS FRAUD. SENT COMPANY IDENTITY THEFT REPORT, POLICE REPORT AND PROOF OF RESIDENCY AND STILL WILL NOT REMOVE. PLEASE ASSIST.

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 2020-12-24
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
My daughter refinanced her Wells Fargo Student Loan ( on which I am a co-signer ) with XXXX ( see attached documentation ), with a loan approval date of XX/XX/2020. XXXX was supposed to pay off Wells Fargo XX/XX/2020. My daughter XXXXs first pay to XXXX was scheduled for XX/XX/2020,. 

As of XX/XX/XXXX, XXXX paid off the loan to WF. However, WF already reported a 30-day deliquency on the account, which decreased my credit score by nearly 100 points. I requested a rapid credit rescoring of WF, and they have opened a dispute. 

I am in process of purchasing a home. I need an immediate rapid rescoring of my credit because I am not at fault for the error made by XXXX on my daughter 's account. 

My case with Wells Fargo is XXXX. 
My daughter 's Request Number with XXXX is XXXX. 
My XXXX Reference Number is XXXX. 

Thank you. 

XXXX XXXX XXXX XXXX, IL

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 2020-12-24
Company: Law Offices of Timothy M. Sullivan
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. PLEASE DELETE THIS FRAUDULENT ACCOUNT AT ONCE : DEBT XXXX XXXX # XXXX I dispute this debt and any accounts you may have in your office. The original creditor is also a 3party junk debt collector and has also failed to send any notice or verification of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
We were charged the annual 'membership fee ' but had torn up the XXXX XXXX XXXX XXXX and weren't using it. We also had paperless and had totally forgotten about the card. Per XXXX XXXX XXXX  / Barclays Bank they charged us the membership fee of {$99.00} in XXXX. We hadn't used the card for 4 months or more and had completely forgotten about any membership fee. I called them in XXXX and they reversed the charge so the balance was/is XXXX. However, they reported the account as delinquent to the credit report companies lowering my credit score from XXXX to XXXX. I called manager at Barclays and they refused to reverse the delinquency and said that I should have known it was going to be renewed because they emailed me. At no time did I receive an email stating that this was going to happen to my credit report. 
I would appreciate Barclays reversing it allowing my credit history to be correctly reflected.

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 2019-04-04
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I received wire instructions by email, from XXXX XXXX XXXX XXXX XXXX, an XXXX real estate law firm with wire instructions to Sun Trust Bank. It should be noted the State of Georgia requires all real estate closing to be funded by wire transfer. This way the legal firm, broker, real estate agent and seller receive their funds immediately, while the buyer has no protection under Regulation E. 
The day of closing I was informed they had not received the wire. The wire instructions, I received from XXXX XXXX XXXX, did list the account number and amount needed for closing, but the account number on the form belonged to a fraudulent account opened by XXXX XXXX. I had conversations with the Fraud Department of Sun Trust Bank. I was informed the account was being monitored for fraud and I would get my {$79000.00}. I received information about the two branches involved. Then, I was told I am not a customer of Sun Trust Bank and all communications stopped. I wanted to review their account opening processes and training. I believe they were negligent in this area resulting in funds being misdirected at my expense. Notes are attached.

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 2020-12-24
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My name is XXXX XXXX XXXX my socials XXXX I don't have my account number in hand this is a school dead and other deads that I am supposed to pay out I have had a XXXX XXXX XXXX  and have had XXXX  XXXX XXXX I've had XXXX XXXX  of my XXXX XXXX XXXX and am currently on on mental XXXX I can not work I don't leave the house I can not make these payments on any of these loans so it is unjust for me to pay them back or do my credit score to be interrupted so I would like for this to be resolved and the bill want clean

Company response to consumer: Closed with explanation