BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MD
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 WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXXXXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023.

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 2023-06-08
Company: EQUIFAX, INC.
State: CA
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 requested to correct the inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance Owed : {$540.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I requested validation of an item on my credit report. It came back as verified and I never received any proof of such validation. I requested again XX/XX/2021 and have not received a response from XXXX  nor Wells Fargo in regards to the incorrect item on my report. According to 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they had in their file to verify the information. They have continuously failed to provide such instruments.

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 2022-05-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX  # XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have found that this bank has been misusing my funds. And, it appears that they have failed to practice proper handling when it came to my account at XXXX. They refused to stop payment on this payment when I froze the card on file and then when I asked to stop the payment. And, I also told them to stop payment on a charge from XXXX  XXXX for the amount of {$190.00}. I have several NSF on my account. Also, it appears that I am missing funds in my account each month. I have called and requested help but white personnel hung up on me or refused to assist me with my problem. I was given numbers outside of the Navy Federal CU to stop payment on a check that resulted in excessive NSF on my account. I sent in several requests through Bill Pay to have them stop payment on the {$190.00} payment to XXXX  XXXX. They never contacted me nor did they contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
My credit information including ssn # and address and dob were obtained fraudulently and was used to obtain XXXX XXXX and personal bank info and loans. is is even with me having a fraud alert on my credit report. 

XXXX XXXX XXXX  {$53.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$510.00} XXXX {$1000.00}

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 non-monetary relief
Consumer complaint received 2021-08-12
Company: Bread Financial 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:
second contract was open less than one month after the initial contract. XXXX credited all late fees and credited the second account. XXXX XXXX XXXX still shows hard inquiry and late payments. XXXX has sent letter and I forwarded the letter from XXXX also but it shows late payment. 

On the vacation club for Comenity Capital bank the same issues show on XXXX credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: CA
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:
Theyre two closed accounts with XXXX XXXX that I never applied for and it fraudulent and due to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my student loan forgiveness application in XX/XX/XXXX. They did not confirm receipt of the processing of that application until XX/XX/XXXX. Despite repeated outreach attempts and complaints in XXXX and XXXX of this year, they have still not finished processing the application. Instead of providing valuable information, they continuously send repeated responses citing an unprecedented amount of applications that they have to process. It has been over 6 months in which they have had the necessary information to process my application and they have not. I am already nearing the point of having to recertify again without the original request being processed because of the duration they've had these materials. Payments are to resume in a month and without accurate information as a result of the processed application I am still expected to make payments and failure to do so will result in a penalty. This student loan servicer is not new to processing these applications and should have been well aware of what to expect when they took over the service of these loans from the US Dept of Education. They are ill-prepared and ill-equipped to handle these applications and do a disservice to their customers with a lack of efficiency and lack of effective communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a policy on a boat through XXXX XXXX and underwritten by XXXX. 

My policy autorenewed on XX/XX/26 and I cancelled and switched to XXXX on XXXX ( 6 days ). 

My policy amount was {$680.00} so for 6 days I should owe {$11.00}. I was billed {$76.00}. 

I called XXXX to understand why and they told me that I had to call XXXX XXXX and they could not provide me with details. I called XXXX XXXX and they told me that the billing amount was incorrect and instructed me not to pay it and they would resolve it. I receive another notice on XXXX telling me the amount was still due and if I did no pay it would go to collections. I've never paid anything late in my life and have a perfect credit report. I called XXXX again ( several times ) and have text messages from my account manger that documents this conversation. First they told me that there is a 10 % early cancellation penalty and that was the reason. I asked for documentation to confirm their explanation. None was provided. I followed up. I was then told that there is not a 10 % cancellation and the amount will be removed. It wasn't. 

My account was then sent to collections. I paid the incorrect amount to immediately resolve the open issue, but it a fraudulent charge and I want this resolved accurately for the principle of it. XXXX sent me documentation without any detail as to how the {$76.00} was calculate. This is corporate greed using the Credit Reporting Agency system to extract money from consumers who think they have no options. 

I have text messages and a recording of my last call with XXXX and XXXX that I can provide to support my claim and I'm in Texas so it's legal for XXXX party to record the call. 

I am very thankful we have regulatory bodies to to keep corporations in check again crimes like this and appreciate your support. 

XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a letter from the company confirming if I had changed the address on my credit card. I did not. Someone was apparently using my card. I contacted the bank and they informed me that I had to go to the bench to be verified in person. I learned that the perpetrator called in to their customer service and convinced them that she was me and chandlers the address, e-mail and phone number. Also changed online log in information and proceeded to use my card, which was a XXXX balance for months before this. This all happened in no of XXXX, early XXXX. I went to the branch XX/XX/XXXX and with the help of the branch personal, filed a claim over the phone with the fraud department. Prior to that the bridge person had been in contact with the credit card department Customer Service via chat, and had given them my information so that they could correct it, including phone number address and email. I was told it could take up to two billing cycles to fix. I was also told that they couldnt remove it from my credit report. I waited patiently through two billing cycles, and then had to make another appointment to find out what was going on. Apparently nothing was going on and the information wasnt saved in the system so the account still showed the perpetrators information instead. All I could get was a claim number that would show that I was getting my phone call escalated to a member of management and I would get a call within five business days. This appointment happened Friday, XX/XX/XXXX. I had to make another appointment to find out why I didnt get a phone call and I went in today, XX/XX/XXXX. The branch person got the credit card fraud department on the phone and they told me that the original claim was declined but because the address didnt get change I didnt get the ladder so I had been waiting for nothing the claim number I received play just a number that told me I was getting a phone call from a member of management and they did not start a new claim on me yet, so I have no idea why this wasnt processed in the Beginning. I had gone into the bridge timely in the very beginning when charges were still pending and now this Kriminal has gotten over {$5000.00} of money and merchandise. I have been getting collection calls and my credit report has been affected. I want this resolved immediately and I want my credit restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2021 Equifax today forced me to enroll in their XXXX XXXX program as a condition of being able to log in to my existing account. 

This is a change from before, where I could manage my account online without this condition. They also didn't sufficiently describe this process, but I do lose 6 free credit reports. 

I called to ask them to remove me from the XXXX XXXX program and was told that I would then lose online account altogether. This was also not disclosed when I was automatically enrolled in the XXXX XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: OR
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:
To Whom This May Concern, Over 30 days ago I sent a certified letter to XXXX XXXX XXXX and demanded they hand over the source of information that validates my obligation to the debt. They did not respond yet I saw the information posted to my credit report recently. My rights under FCRA don't permit such unlawful action. As you XXXX now know, I now have the legal right to sue in federal court. 

So either delete the information or I demand you to provide the source information that validates my obligation to the debt. 

I am hereby exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my passport, mortgage statement, and tax transcript. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, 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 2022-05-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account.

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal. 

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation. 

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : XXXX, XXXX, and TransUnion are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against XXXX, XXXX, and TransUnion for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and 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 non-monetary relief