BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXX/XX/XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After recently looking at my credit report, I noticed account and inquiries reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, that does not relate to any credit transactions that I have made. Removed these items from my credit report because they are fraudulent and hurt my ability to obtain credit.

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 2019-07-03
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
File # XXXX Good Afternoon, I have been trying to reach someone who can help further investigate why i am being charged loans from 2004. First, the bank i banked with at the time does not exist anymore so i am not able to retract proof of the Paid amounts, which i have tried to explain to NAVIENT. I have asked multiple times, i have sent payments so that NAVIENT could stop sending me to collections, I have asked them to investigate. Some of the accounts do not belong to me at all. Just a big mess. Please further investigate that the information that i am being charged for is actually accurate information. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: MD
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 in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I opened a loan with XXXX on XX/XX/XXXX for a mattress. 

Everything was fine until I made an accidental overpayment on XX/XX/XXXX. I sent a payment of {$1000.00} rather than the {$100.00} I was trying to pay. 

I contacted them immediately by phone to let them know of my mistake. 

They refunded the entire payment of {$1000.00} on XX/XX/XXXX and did not withhold the payment due for the month of XXXX. 

When the refund was returned I received an email in their " private message ' system that they were aware of the error showing I was deliquescent and would correct it. 
I thought everything was good and continued to make payments. This private message system is oy available through the original email link I was sent that i no longer have access to. 

They hounded me via email for months about the alleged deliquescency. I called multiple times to try to correct it and was told it was a glitch that would be fixed. 

It wasn't. 

I finally decided to cancel the order altogether to get the loan cancelled in XXXX. 

3 days after they refunded refunded all payments, they reported me to Experian as deliquent over 30 days. 

I disputed it with Experian and XXXX  confirmed it was accurate. 

You can not reach anyone at XXXX  other than a call center.. 

In order to prove they are wrong I opened a 2nd loan with a subsidiary of nectar on XX/XX/XXXX and was approved for a {$1900.00} loan... If I'm a debtor, you would think they wouldn't allow another loan. 

My credit score has been damaged by about XXXX  points and I've no option but to do this. 

I already filed a complaint and sent in my documents that your office lost and was told to file again so here we are

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 2023-10-20
Company: EQUIFAX, INC.
State: MD
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 my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to XXXX, TransUnion, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( XXXX twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: AL
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 USC 1681. 

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 has 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 a 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 terms 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 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 2023-06-19
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was frozen for 3 years with a positive balance FROM AN ACH DEPOSIT. There was an investigation and my account was deemed none fraudulent. Under ACH REGULATIONS THE ORIGINATOR HAS TO REQUEST THE FUNDS BACK under CERTAIN ACH FEDERAL GUIDELINES AND TIME FRAME. 3 years later the originator has not requested the funds back. I asked for my account to be unfrozen and funds be released to me. PNC told me they are keeping the funds until the originator request them back. PNC debited my account for all the funds and said they will hold them until the originator request them back. That will never happen. If the account was deemed NONE FRAUDULENT AND THE ORGINATOR HAS NOT REQUESTED FUNDS IN 3 years and can not due to ACH REVERSAL TIME FRAME why not RELEASE FUNDS TO ME PRIMARY ACCOUNT HOLDER. I have done nothing wrong. PNC IS USING THERE POLICY TO KEEP THE MONEY instead of releasing it to me the primary card holder

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
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 is missing that should be on the report

Complaint:
I sent a letter to XXXXXXXX XXXX that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions. 

XXXXXXXX XXXX has reported 3 accounts to the XXXX bureaus. Initially all XXXX account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to Equifax and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, XXXXXXXX XXXX was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked XXXX XXXX to reverse the late payments to OK or paid as agreed. 

XXXXXXXX XXXX decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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:
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 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 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 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 2020-12-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have spoken with with Santander consumer USA regarding the settlement with my state with the attorney general. This company was sued for predatory lending. I reach out to this company and was told that I dont qualify for any relief. The lawsuit was from XX/XX/XXXX to XX/XX/XXXX. The lawsuit stated that if anyone had the car from those dates will receive debt relief loan forgiveness or cash settlement. I was told that I do not qualify. I paid more for the car than its worth. My car is in charge off status and Im still making payments for this vehicle. I have had this car for 4 years and Im just now paying the principal on this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Crediter reported on a early date than usual normally billing cycle days 30-45 my last billing cycle was XXXX XXXX that was the date they reported to the bureau and I got next report to the bureau on XXXX XXXX this unexpected report caused major affect to my credit score for not given my abdicate time to pay off my debt before they report to the credit before that would of been after to my original schedule due date XX/XX/XXXX  they would of reported normally around XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Im not able to reach the Mohela regarding the Public Service Loan Forgiveness program. Im only getting a busy signal or message saying the call can not be taken due to high call volume. The online PSLF form status does not show a record of my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: MI
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 has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and XXXX discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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 items 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 XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested written request that this creditor provide proof of the debt belonging to me or have it removed. so far no response

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