BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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:
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 XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$880.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
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:
I have made several requests for Transunion to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. Transunion has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court 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 2023-09-22
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Navy federal credit union Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus XXXX XXXX and XXXX XXXX XXXX inaccurate/invalidated account Prove it.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
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 any ITEMS which is 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 block/remove these ITEMS. XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$440.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: OH
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:
Credit inquires, XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX? XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX Bank, XXXX XXXX never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in 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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2022-11-18
Company: EQUIFAX, 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Security Credit Services, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XX/XX/2022 This is fraudulent charge. I informed the company, XXXX failed to acknowledge and remove it, XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: MOHELA
State: PA
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 have paid off all my federal student loans in full. According to the Administrative Forbearance ( Payment Pause ), I am able to get some of my payments refunded that were made on/after XX/XX/XXXX. I selected 3 payments from my payment history made after XX/XX/XXXX that I wanted a refund for. The 3 payments, amounts, and their effective dates are listed below. 

XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3200.00} XXXX. XX/XX/XXXX, {$3700.00} XXXX : {$10000.00} I called Mohela on XX/XX/XXXX and requested a refund for those XXXX payments that were made after XX/XX/XXXX. I was on hold for about XXXX hours and the lady I spoke to assured me that the refunds were submitted. In addition, she said my refund will be processed in 60 days and the balance would update on my Mohela homepage. 

After about 30 days, I called Mohela back and spoke to another customer service agent to make sure my refund payments were processing. She told me that they were and to wait out the full 60 days. 

It has now been 60 days and I have not received any refund or had any loans reinstated on Mohela. I have tried to call Mohela and their customer service wait times are insanely long where no one picks up. I have also tried to email them and no response from that as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2023 I went into XXXX XXXX of XXXX to see about the possibility of purchsing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also staing that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home I seen that there are seven other banks on my XXXX  account that says I applied for credit with them. So I did make a report to the Office of Attorney General of Califronia and when I received a mailing from The California Office of Attorny General in the mailing it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I aggree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX XXXX to me. I was not told of any other bank my word of mouth nor by paper work. I find that what XXXX XXXX did was decietful into doing one thing, that is to demolish my credit report with numerous babk loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labled XXXX XXXX it shows that that XXXX XXXX statements does not show he was checking another bank.

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 2022-11-05
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy 15 US WSC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions on the 15 US CS1666 be a creditor may not treat a payment on credit card accounts under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am working with a debt collection company XXXX XXXX, we are settling a debt with XXXX XXXX. They turned the debt over to Blitt and Gaines P.C. and they have been unresponsive to any sort of calls or offers to pay the debt monthly or settle the debt. They are bullying me and anytime I call they harass me and talk to me as theyre going to seize my assets, sue me and garnish my wages. Theyve sued me civilly already and are currently garnishing my wages, all without any notice or options to pay the debt in a timely or helpful manner. I am unable to pay the large lump sum of 100 % of the debt they are requiring to satisfy the debt that Im sure they did not acquire the debt for. Theyve also been holding onto this debt for so long and making it accrue interest! Were trying to pay this debt but theyre being unreasonable yet theyre continuing to make the total amount due higher and higher! I have multiple debts in consolidation they are 1 of 2 that refuses to settle, but the only one that is being aggressive and a bully while not allowing any movement! Their tactics are horrible and unfair and definitely bullying. Me and my family are struggling now with making payments on our current bills and paying debt consolidation monthly, were stretched extremely thin with my wife just starting to get back to work somewhat. They never took that as a factor the last 2 years during this pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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:
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. 

has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my 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 2023-10-11
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation