BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-05-07
Company: EQUIFAX, INC.
State: GA
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore existsXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have made a total of 7 calls to Equifax on XXXX and XX/XX/XXXX. A lender is trying to pull my report but are unable to I had an extended fraud alert on my report that I had removed on the XXXX. I was told the lender should now be able to pull my report but they are still unable to. The lender reached out to me and stated there is a different name associated with my ssn Equifax stated that isn't the case and my address, name and ssn is all associated with my current address. Also XXXX XXXX isn't able to pull my report either and I can never retrieve my credit report from XXXX. This has really been a frustrating process and it seems as if no one is able to help resolve this issue. I am hoping that with this complaint I am able to get this issue resolved asap. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Made a call to Mohela on XX/XX/2023 to advise them my loans have been forgiving and my credit report and account need to be updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : DEPT OF EDUCATIONXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3800.00} ; DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$2300.00} ; DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$6900.00} ; XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX XXXX XXXX {$110.00} ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Fraudulent unknown unauthorized credit inquiries WITHOUT MY PERMISSIBLE PURPOSE. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or DELETE THE item from thefilein accordance with paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: MOHELA
State: OK
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:
MOHELA shows my loans are in Standard ( Level ) Repayment ; however I completed a federal " XXXX XXXX XXXX XXXX XXXX XXXX Request on the XXXX website on XX/XX/XXXX to change repayment to " Income-Contingent Repayment Plan. '' This request still shows to be in review ; however my student loan payment is due XX/XX/XXXX at the current standard repayment rate. I am requesting my repayment plan request be processed and if accepted, reflected on my statement, before I submit payment on XX/XX/XXXX. If this is not possible, I request Mohela/DoE set the loans status to administrative forbearance until the the request has been processed ( and if approved, reflected in the amount due per the updated repayment plan ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank account with BMO was falsely closed and didnt provide reasoning as to why my account was closed. Instead of issuing me a check for the remainder balance in my account BMO sent my funds to unclaimed property without reasoning or asking me to provide documentation for my balance. I received a IRS business tax return which was deposited to my last bank which was XXXX XXXX  and I decided to end my banking relationship with them and come to BMO. By doing so I cashed my check from XXXX with BMO and BMO randomly closed my account after verifying the check and letting the funds clear. After falsely closing my account and sending my funds to unclaimed property without asking for proof of documentation. This has to be illegal, I spoke to XXXX different BMO executive agents each all told me different things without explaining why my money was being sent to unclaimed property. The first executive agent told me my account was closed and a check was being mailed, the second agent rudely told me there is nothing he can do and my money is just gone, and the third agent stated I need a hold harmless letter/claim from XXXX XXXX so that can BMO can release my funds back to XXXX XXXX XXXX XXXX XXXX doesnt even know what a hold harmless letter is, BMO didnt even ask for additional documentation before sending my funds to unclaimed property.

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 2023-12-22
Company: Waypoint Resource Group, LLC
State: CT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

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 2023-08-10
Company: EQUIFAX, INC.
State: FL
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 tried to resume this issue multiple time with the Bureau and to have the account removed. The Bureau has failed to provid proof and proper verification of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: SANTANDER HOLDINGS USA, 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: Investigation took more than 30 days

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Santander Consumer USA regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with Santander and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus. 

My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus. 

This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation. 

I have attempted to resolve this matter directly with Santander Consumer USA, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency. 

I kindly request your immediate attention to this issue and the initiation of an investigation into Santander Consumer USA 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing. 

Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Student loans went into default without knowledge of forbearance expiring. Status was cleared as an agreement to make payments for 3 months consecutively. This was completed. I requested to have all negative payment history removed as a results of all balances being cleared and paid through consolidation and they have refused even though accounts are in good standing. 

The negative history is affecting and preventing me from having a normal livelihood such has finding employment, getting additional school funding and finding a place to live. I've have difficulty doing all these things without the negative history removal.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-12-27
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sent a bill ( they continue to charge me after I had already cancelled my account ) to a collection agency and they say they would put the " non-payment '' on my credit report if I didn't pay it. What they use to call 'extortion ', now I guess it's just the way companies treat customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: IA
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:
With u loans has reported a single loan about 21 times on my clarity report. The loan was taken care of yet they refuse to update it! Ive reached out to the Iowa attorney general who says tribal loans cant be enforced in Iowa because of their terms exceeding iowas loan laws!

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 2023-08-10
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. 
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX 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.

i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable. 
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!

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 2023-12-19
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:
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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or 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 : XXXX XXXX XXXX XXXX XXXX late open 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 2023-08-31
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have called them multiple times, they don't answer the phone. They illegally garnished my check for more than 10 %, since I am head of household. They have started and stopped garnishing my wages multiple times, for no reason. Are they trying to just build more interest?? I can not contact them, so I need to at least make them follow the law by only taking 10 % from a head of household 's paycheck.

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