BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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:
I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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: Public record information inaccurate

Complaint:
I filed bankruptcy well over 8 years ago, it's still showing on my credit report and causing me credit problems.

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 2023-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 XXXX  and Capital One/Walmart , has violated my rights.

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

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose. 

Dates XXXX XXXX Credit card : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX Capital One/Walmart : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-05-16
Company: PNC Bank N.A.
State: NJ
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:
On XX/XX/2022 I applied for business credit with PNC Bank. I was told that my request was denied. I asked for the letter stating the reason and they claimed that it was mailed to my address on file. 

The address that they have on file is correct because I received bank statements. 

I asked to express mail the information and they agreed. They promised to express mail to me and the sales associate XXXX XXXX at the PNC Branch located on XXXX XXXX in XXXX XXXX XXXX. 

I have not received the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: NATIONWIDE ACCEPTANCE LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Im a victim of identity theft

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 2023-08-22
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX Equifax are reporting addresses that do not belong to me. I have disputed this incorrect information on multiple occasions and I have not had any success getting this incorrect information removed from my credit report. The following addresses I also disputed with XXXX and they were removed as the properly should have been under my rights through the FCRA. The incorrect addresses are the following : 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. These are the incorrect addresses that are being reported by XXXX on my credit report. As for Equifax, I disputed the incorrect address and I also sent an image of my utility bill. They added my correct address but did not remove the address I disputed with Equifax. The incorrect address that are being reported is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As I previously stated these addresses were properly removed from my XXXX credit report upon request, however my attempts to dispute them with XXXX XXXX Equifax have not been successful. My current and only address should show as the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is my accurate address and any other addresses should be removed under my rights through the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a payment made on XX/XX/XXXX to be entirely allocated to Group B,  however the payment and a subsequent payment was allocated differently. I reached out to XXXX XXXX in a XX/XX/XXXX email requesting the reallocation and he never responded in the Solutions Center. Email below : XXXX   XXXX, I paid off Group B - Loan 6 on XX/XX/2018 with a payment of {$1200.00} when the balance was only {$1200.00}, the excess amount of XXXX was applied to Group D. 

On XX/XX/2018, a payment of {$250.00} was made to my account and was allocated in the following manner : Group B - {$53.00} Group D - {$84.00} Group F - {$110.00} I don't understand where and why {$53.00} was applied to Group B when it had been paid in full the previous day. Group B had a status of refund due for a few days and then is changed to paid in full. 

I want to know why {$53.00} was applied to Group B after the load was paid off? 

Also, I sent in a request to have all payments applied to Group F and I'm not sure if it was applied since my account does not show the payment reallocation. 

Finally, a payment for {$150.00} was made for XX/XX/XXXX and as of today does not show on the payment history, I would like to know why and where it is at? 

Thank you, XXXX XXXX I called to Nelnet and spoke with XXXX on XX/XX/XXXX and requested the same and was promised the payment on XX/XX/XXXX and XX/XX/XXXX would be reallocated. Effectively, the XX/XX/XXXX payment would payoff Group B and extra payments would then be directed to Group F until it is paid off. 

To date the XX/XX/XXXX payment still reflects the payment being split across Group B and Group F and the XX/XX/XXXX payment shows allocation across Groups B, D and F. 

I request the change multiple times and I would like to have this change applied immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon retrieving my credit report to my surprise I noticed an inaccuracy. It was a COLLECTION account XXXX  acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1400.00}. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Trans Union about this on XX/XX/XXXX which they received on XX/XX/XXXX and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file. I received an updated response by Trans Union stating the account is verified and updated *balance, *past due, *date updated, date closed. None of which addressed my concerns : TransUnion commented consumer dispute a change was updated ( Based on my dispute ) which was not. I am attaching the letter and their report reflecting open, past due and collection account as well as the certified mail receipt. Additionally I noticed this item reporting a ( loan type ) on my report which I have no loan or entered into any contract with this also is in accurate. My initial letter to TransUnion addressed the above concerns on XX/XX/XXXX However they previously sent on XX/XX/XXXX these changes and since I sent the new letter XX/XX/XXXX they mentioned my disputed info was addressed and wasnt. They sent a new updated response on XX/XX/XXXX stating that changes made and my concerns were still not addressed. No changes Im attaching both letters sent to me from TransUnion where they reflect the same results when it said it was changed. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # 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 an account without my written instructions.

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 2020-06-12
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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorreclty that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The applicable provisions of the Fair and Accurate Credit Transactions Act of XXXX ( FACT Act ), XXXX. XXXX XXXX XXXX XXXX. XXXX, shall be effective in accordance with the following schedule : ( XXXX ) Provisions effective XX/XX/XXXX. 

I have already disputed these items with the bureaus, but they did not remove, nor prove validation. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX  XXXX account # XXXX XXXX account 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 2020-06-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian did not address my issue correctly in my previous complaint with CFPB. I am aware I must file a dispute for inaccurate or fraudulent accounts that reflects on my credit report. Ive took the steps that were needed to file my dispute with Experian directly on XX/XX/2020. So a dispute is currently in progress however, these steps have been taken in the past and nothing has been resolved which is why I took additional steps by contacting CFPB directly. Experian must reevaluate my complaint. I have contacted this bureau on numerous occasions to have the incorrect information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. The accounts that are reflecting on my consumer report that have been deemed fraudulent is XXXX XXXX and XXXX XXXX. So I will continue to submit my complaints through the CFPB portal as well dispute the information through the bureau directly until this issue is resolved.

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 2018-06-15
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.

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: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The details of the transaction is provided below : MTCN : XXXX Case Number : XXXX Confirmation Number : XXXX Sevis ID : XXXX I made a payment for Sevis Fee through western union and the payment was not received by XXXX XXXX. XXXX told me that they never received the fund for the payment. They said they discovered that the MTCN XXXX payment with coupon number XXXX was never process by the western union agent. 

I have contacted both western union and XXXX concurrently and they do not give me any favorable response as to where my money is. I want a full refund of my {$350.00} plus a {$10.00} transaction fee that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: DISCOVER BANK
State: DE
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:
XX/XX/23 - ordered food from XXXX XXXX for XXXX. My order was incorrect, poorly assembled, missing ingredients that were advertised, and overall extremely low quality. Very dissatisfied with the overall order and all item received. 

XX/XX/23 - submitted online complaint via contact form on XXXX XXXX website. Requested call back or email in XXXX hours. Never received any follow up. 

XX/XX/23 - called XXXX XXXX and was told they would refund my order Withings 3-5 days. Never heard back from them and that turned out to be a lie from the XXXX XXXX customer service agent. 

XX/XX/23 - filed dispute with my Discover card letting them know I received incorrect food/order and I was dissatisfied with the quality. 

XX/XX/23 - Discover told me they can not proceed with my dispute stating, We can not, however, continue further with the investigation on your behalf with the merchant based on the reason you have provided for requesting to dispute this transaction. 

Discover is not explaining why they can not investigate my dispute. I received the wrong food and my order was not as advertised, hence I was highly dissatisfied with the quality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: SD
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:
I paid my loan in full of {$88.00} on XX/XX/2022. XXXX continues to report that this was charged off for as of right now, XXXX and XX/XX/2022. This account was never charged off. It was only late, which I paid off in full. They said they would correct it to Paid Charge off, which is still incorrect. I was able to pay in full directly to XXXX. Charge off means that it was written off as a loss and sold to a third-party and unable to pay original creditor. My account was never sold to a third-party and I was able to pay XXXX directly.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern i recently finished an investigation and my report came back up dated, however there are still violations on my consumer report. The image attached below i have circled are errors on my report. I asked to remove all late payments for it is in violation of the Fair Credit Reporting Act. A consumer has a right to privacy and i have NOT given you any written instructions and my account has been furnished. Please fix this matter.

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 2021-05-10
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I stated that its not my account & I am not liable to pay a debt that isnt attached to my name/person. Ive never done business with this company we have no affiliation with one another whatsoever & this is a direct violation of HIPPA its illegal & should be removed from my reports & myself permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of America approved an XXXX credit card in XX/XX/XXXX and an XXXX XXXX card in XXXX of XXXX. Both of these cards were in my maiden name, a name that is no longer legal. I received notification from Bank of America that my claim for the first card was resolved on XX/XX/XXXX but they are refusing to resolve the second claim, saying the " information is correct '' even though XXXX disputed the claim on my behalf. Bank of America said both accounts were closed but my XXXX report stilled showed XXXX as open. This card ends in XXXX. I don't have the other numbers because I was instructed to destroy it. 

All credit monitoring agencies have been contacted and my credit has been frozen. 

I also received a letter from the Department of Labor from the state of Maryland about a fraudulent unemployment claim on XX/XX/XXXX. I immediately emailed the agency and indicated that this was not valid claim.

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