BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
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:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


XXXX. EQUIFAX Account XXXX : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Arcadia Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i requested for a debt validation letter for XXXX on XX/XX/2022. 
and the company has failed to validate my debt. instead they just sent a list of my medical records, which i know is a direct violation of XXXX regulations. i never signed a XXXX form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was hacked and the hackers ruined my bank account. My card was stolen and they stole {$1100.00} from the atm from my account. They also deposited fake checks and the bank is making me pay for it. The amounts were {$130.00} for four different fake checks. Also, they charged back my rent which was in the amount of {$1100.00} and they charged back my insurance payment twice which was {$300.00} per transaction so {$600.00} total. They then proceeded to XXXX XXXX themselves the rent and insurance that they disputed through XXXX XXXX and stole it. They XXXX XXXX themselves {$1200.00} one time then the next time it was {$420.00}

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 2022-05-18
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Sometime around XXXX, I became aware that my credit score had dropped significantly. When I inquired as to why, I found that someone had opened an account with a XXXX department store in XXXX XXXX on XX/XX/2022. 

I never opened this account. 

I immediately reported this fraudulent account to the company. Their response was " call the credit bureaus and report it, '' which I did. Within a few weeks, the credit bureaus rejected my dispute and claimed XXXX considered the account valid. 

I filed a police report with the local police department and re-filed the dispute with XXXX. Now, XXXX XXXX XXXX department sent me a letter asking for the following things : 1. I notarized affidavit that I'm not responsible.

2. Copy of my ID 3. Proof that I was at work that day ( as this was a Sunday, neither I nor any teacher, was at work ) 4. a HANDWRITTEN ( their emphasis ) fraud statement detailing the fraud committed against me 5. Copy of proof of address 6. Copy of police report 7. Copy of my credit report XXXX inquiry only If I don't procure these documents within 30 days, they claim they will consider that I accept full responsibility for this debt. 

This seems like a long list of items I need to prove my innocence, and it includes one item ( # XXXX ) that is both ridiculous and impossible.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING IN MY FILE .THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM IDENTITY THEFT AND DID NOT MAKE THE CHANGE XXXX ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION AND I ASLO HAVE ENCLOSED COPIES OF FEDERAL //TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-02-03
Company: Kriya Capital, LLC
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CREDENCE RESOURCE MANA ( Original creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: Nelnet, Inc.
State: TN
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:
Please, please help me in dealing with my loan servicer, NelNet. I am trying to file a complaint about a mismanaged student loan. I have tried calling and emailing NelNet numerous times to fix the issue, but they are unwilling to correct their mistake. 

I have statements from XX/XX/XXXX to XX/XX/XXXX showing the student loan payment date was XX/XX/XXXX. I am attaching a statement from XX/XX/XXXX and XX/XX/XXXX to show that the loan repayment date is XX/XX/XXXX. It does not change during the year. I attempted to restart school in XX/XX/XXXX. I, sadly, had to withdraw. NelNet reset my loan repayment date to XX/XX/XXXX, instead of XX/XX/XXXX, thus removing 18 months. I was told they reset the payment schedule, BUT I was not losing anything despite the 18 months taken away. I was also told that I should have asked for the deferment not to be applied to my account even though the school did it automatically without consulting me. The statements I have are from XX/XX/XXXX to XX/XX/XXXX, which are BEFORE I started school, and no deferment was involved showing that my due date was XX/XX/XXXX. I am being penalized for attempting to return to school. NelNet is blaming it on the deferment and selected the repayment schedule instead of following the previous repayment date, XX/XX/XXXX. Please help me get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 sent a letter off on XX/XX/2022 as well as made a phone call. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is to share my information to third party people. 


These are clear violations of my federally protected consumer rights.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 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 a 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Account name : 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 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 2023-06-29
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They're closing my account because they said I violated the terms of service which they can not tell me what terms of service I violated everything is linked to the account I get XXXX direct deposits I pay all my bills with that account it is very frustrating I don't understand why I can not get a simple answer from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX 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. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA 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 2023-06-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Citibank account in XXXX XXXX I enrolled into direct deposit and the day my XXXX direct deposit hit in XX/XX/2023 my account was randomly closed due to fraud I called and they said a letter was sent, never received a letter to resolve issue. Now my money is stuck in the wind

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix and update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-08-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bayview Loan Servicing is uncooperative and has no courtesy on a mortgage loan that is under my name, but the house has been under my uncle for over a year now. I notice back in XX/XX/XXXX that there was a late mortgage payment on my credit score, but we've been paying it. I called the collection agency and they said that they need proof of insurance and escrow, that they've been charging for that because we don't have proof. I sent them proof and then they said it had to be under my name. It was under my uncle 's name because the house has been under his name since XX/XX/XXXX. I mentioned to them that the house is no longer under my name. Afer a month of going back and forth and delays on their end. I had to keep on following up and then they said I had to complete assumption forms to change the name over to him. I immediately completed and submitted these in XX/XX/XXXX when they told me to do so and received no response. I kept following up and they said they're still looking into it and that it takes time. Five months later, they're still working on this issue as the debt continues to grow monthly. They are charging us twice for escrow and insurance when it's already paid for on our end separately since XX/XX/XXXX. They will not accept our proof because it's under my uncle 's name, which is his house now. They requested assumption forms to be completed to switch the loan to my uncle, which we completed. However, as of XX/XX/XXXX, they just told us that they will not accept the assumption forms and that we have to pay the $ XXXX to reinstate the loan first and then they can look into the assumption forms after. With their months of delay and misinformation they expect us to pay over $ XXXX to reinstate the loan even though it was their fault for not informing us beforehand that the assumption forms would not be accepted? We are being penalized since XX/XX/XXXX for their delays which is not fair. If the assumption forms were not valid initially, they shouldn't have suggested that. Also, it's unfair we're being penalized for all the months of delay as we were waiting for them to get back to us. It is unfair that we have proof of everything, yet they expect us to pay the XXXX to reinstate the loan when it's their fault for the months of delays and misinformation. We submitted all the proof that they needed, yet they are still penalizing us for their mistake. It has been very difficult trying to resolve our issue when we keep getting transferred to multiple people at Bayview Loan Servicing and each person has something different to say and giving us the run around. No one has helped us resolve our issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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