BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681 623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA, I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Unverified account 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 3 ) Certain public record information Except as otherwise provided insection 1681k of this title, aconsumer reporting agencyshall not furnish aninvestigative consumer reportthat includes information that is a matter of publicrecordand that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$190.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX # XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, 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 am a natural person, I am a living human being. I have rights under 15 USC1681.

Equifax is govern by 15 USC 1681, and they have 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 written permission to furnish these accounts. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: CT
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:
For years now I have been investigating my credit report. Companies such as XXXX, Equifax and XXXX, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much emotion and mental damage and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

XXXX states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my background check report a charge from XXXX county appears as offense : XXXX XXXX. Type : XXXX   on XX/XX/2020. This is inaccurate. I have never been arrested for XXXX XXXX Police records data base should show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-12
Company: Bread Financial Holdings, Inc.
State: FL
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 made two payments to Comenity Capital Bank. One payment for {$150.00} on XXXX XX/XX/22 sent from XXXX XXXX XXXX XXXX. Confirmation number XXXX. Second payment {$300.00} XX/XX/22. XXXX XXXX XXXX XXXX. Confirmation XXXX. These payments were not reflected on my statement. I have tried on numerous occassions to contact Comenity Bank but have had no satisfaction. The telephone number they gave me is not answered after two hours of wait time. Telephone number XXXX help in this matter will be appreciated. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX : I called XXXX XXXX customer service due to not being able to complete my IBR renewal online following submitting for a name change. The online system had not updated my last name from marriage and their online system reflected that I did not have any student loans to renew. I spoke with customer service about my concern submitting this renewal prior to my due date. The customer service representative told me that I could submit my photo ID to the upload box online and that if my IBR was a little late while the name change was processed that this would not be an issue. I uploaded the required documents on XX/XX/XXXX following my phone call. 

XX/XX/XXXX : Called XXXX XXXX with concern that name change was still not reflected and I could not complete IBR renewal as my account was still not reflecting having any loans in my name. Customer service agent told me that the name change request was never submitted and she then said the best I can do is mail you a paper copy for your IBR renewal. It will take 7-10 business days. I requested it be sent out and reiterated my concern of completing on time. 

XX/XX/XXXX : received copy of IBR renewal. Submitted online on XX/XX/XXXX. 

XX/XX/XXXX : called and spoke with customer service following notification of upcoming payment due on XX/XX/XXXX in the amount of {$700.00}. Customer service representative, XXXX told me that my IBR request was approved but not until XX/XX/XXXX. I relayed concern with previous calls and asked for this to be changed. XXXX reported that she could put in a request to review my account but that a name change isnt a good excuse when the renewal is available online. I asked XXXX to please review the information listed about my previous calls. XXXX told me that the review would take 7-10 business days to review. I responded that this would take me to the due date of my XXXX payment and asked her to expedite the request. XXXX advised me to suspend my payment or apply for forebearence. XXXX stated that she would try to expedite the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2023-10-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As seen in the copy of the attached Letter Re : Collection Attempt on Behalf of XXXX XXXX, dated XX/XX/XXXX ( the " Letter '' ), the attempted collection action is ( i ) inaccurate, ( ii ) fraudulent, ( iii ) time-barred, and ( iv ) illegal. 

First, the alleged amount owed stems from bad-faith corporate acts meant to scam customers out of money for a company 's own failings that occurred in XX/XX/XXXX. This has previously been dealt with ( see Exhibit A of the Letter ) as of XX/XX/XXXX. I had set up autopay on my electric account and they had previously billed it monthly. For some reason, they decided not to do so in XX/XX/XXXX and instead tried to hide the fact by failing to communicate with me so I incurred late fees. These acts were, at best, grossly negligent, or, at worst, intentionally fraudulent and committed in bad-faith. Either way, the Letter was sent to their collectors in XXXX and this issue was resolved at that time with no further action -- likely because they realized the illegality of their activities and the malfeasant nature of XXXX XXXX 's actions. 

Second, XXXX XXXX was notified of this back in XXXX and this issue had previously been resolved. Now, they have fraudulently reported that the amount was owed in XX/XX/XXXX -- a deliberate attempt to circumvent Texas law that time-bars their collection ability. Texas law time-bars collection activity after XXXX years. Accordingly, had they admitted the original date -- XX/XX/XXXX -- they would not have been allowed to report the collection item. Accordingly, they intentionally misrepresented that an amount was owed as of XX/XX/XXXX in a facially transparent attempt to circumvent the law. 

Third, as XXXX XXXX was previously notified and this issue was dealt with, combined with the fraudulent reporting date, this act is fraudulent and illegal on its face. 

Formal notice has been sent to their collector agent, XXXX. However, given the unscrupulous nature of their fraudulent activity thus far, I'm ensure all available actions are taken to get this collection amount removed from my credit report and see to it that their fraud stops.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted XXXX fraud claims in my checking account and it was denied. I had lost my card and called the bank immediately when I saw the transactions that are unauthorized. Navy Federal denied my claim and is taking the provisional credit back. Now I do not have enough money to pay my rent. I will be overdraft. I tried to tell them my situation but they told me they will not provide credit. instead I could appeal the decision which will take months. I do not know what to do. I am poor. I just lost my parents and I have no one to turn to. 

I claim I was given notice. the other claim no notice at all and they just deducted the money from my accouhnt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-09-30
Company: M&T BANK CORPORATION
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: Investigation took more than 30 days

Complaint:
Good Morning ; I'm not sure what's going on with M & T Bank, i had called them before and i received my title for the vehicle. Why it showing that i was late on XX/XX/2020. That doesn't make sense if they received the last payment since XXXX and sent me my title. I have been trying now to fix this late payment since then and it's taken more than 60 days to get a response and it's still not fixed. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2023-07-07
Company: JPMORGAN CHASE & CO.
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:
15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer reports as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone fraudulently unlocked my security freeze at Experian on XX/XX/XXXX and Experian can not provide any explanation of how this happened. I was able to re-freeze my account on XX/XX/XXXX but I have no way of knowing if this will happen again. While my account was unfrozen several fraudulent credit applications were submitted.

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 2020-11-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I am a service XXXX veteran, victim of identity theft and fraud. 
I was overseas in XXXX of XXXX XXXX during the COVID-19. Upon my return to the US I became aware that I was a victim of fraud. 
I was informed by the local Navy Federal credit union bank fraud specialist in the XXXX Florida branch that the fraud extended beyond XXXX, in XXXX of XXXX I went through hours of detailed information and my claims where submitted, I was unaware of the fraud since I paid my bills in autopay and didn't pay any attention. I was provided provisional credit dating XXXX of XXXX until early XXXX, this was all in error and did not go back to my original dated claims of XXXX XXXX-through early XXXX. 
I'm not sure how the fraud department got the dates wrong. I was provided 2 provisional credits one for {$6600.00} and {$7000.00} on XX/XX/XXXX and it was later removed on XX/XX/XXXX I now suspect that the calculations were wrong and the amounts did not go as far back to XXXX of XXXX. This was not my first time being a victim of identity theft and fraud at Navy Federal Credit Union and outside. XXXX XXXX over 10 years informed me that my personal information was on the dark web. It's surprising that my claim was mishandled by the Navy Federal Credit Union fraud department. I had XXXX XXXX on XX/XX/XXXX and prior to this I had XXXX XXXX XXXX, I suffer from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation