BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NH
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 Report Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A Section 2 : it states a consumer reporting agency cannon furnish a account without my written instructions. 

15 U.S.C 1681 section 602 A. states i have the right to privacy also with further research per. IRS, I learned when a cancelation of debt is {$600.00} or more a 1099-c must be filed therefore this account should no longer be listed as a charge off ; it is however income and income isn't apart of consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
EQUIFAX IS BLOCKING MY SCORE. I have multiple positive accounts and no negatives but yet i can't see a score. My equifax shows BLANK. This is destroying my livelihood. FIX THIS IMMEDIATELY OR I WILL HAVE TO FILe A LAWSUIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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:
This is a collection that is being reported illegally this is violating my privacy and HIPAA law.

Please remove from the credit report or you're opening yourself up to litigation.

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 exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: MA
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 letter is about the following accounts : XXXX/XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ], XXXX XXXX XXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. XXXX XXXX/XXXX  XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ALLY FINANCIAL INC.
State: VA
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:
There was a charge made by XXXX XXXX XXXX XXXX XXXXXXXX out of XXXX, VA for {$2700.00} on my Ollo card and when I attempted to dispute this as fraudulent XXXX XXXX is still refusing to return the funds. I contacted XXXX XXXX XXXX  and Ollo and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope XXXX XXXX will be able to resolve this huge amount made on my account.

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 2023-05-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Cesars Visa Rewards Comenity Bank : I have used the card and make immediate payments nightly or every 3-6 days to pay the card down so that I can use the card to obtain my " Points '' or rewards. The credit card company is telling me that if I make a payment of {$500.00} or more, it locks my account for 7-10 business days, yet the email I received from the credit card company says it " might take 2 additional days ''. I have spoken to numerous employees at the call center and the all say its customary for credit card companies to hold the payments for 7-10 business days, yet they can not show me where it says this in my terms and agreements. The issue on this card, is that I have tried to purchase an Airline ticket to fly out of town, rent a car and drive back home. The rental car company will not take a debit card, therefore I have to find some other means to rent a car, not counting the " double '' rewards I lose for the airline ticket, hotel and rental car. I am asking where it says it takes 7-10 business days. My bank has already released the money to the bank, its no longer in my bank account They have LOCKED my card while they wait 7-10 days to post my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Im being forced to pay for a signature loan, that I did not need, did not request for, and did not sign for. I graduated in XX/XX/XXXX. By XX/XX/XXXX started receiving promissory notes about the loan, which at that time was over forty thousand dollars.After the Pell Grant and other grants, my responsibility would be {$9000.00}. I contacted the university, by way of the XXXX XXXX XXXX. The response was evasive, and I was inform that the loan was for a girl name XXXX. I seriously felt that they would clear up the mistake, but they didnt. From XX/XX/XXXX -XX/XX/XXXX received more calls about repayment. By XX/XX/XXXX I was close to 200,000 in debt. At this time they were still Sallie Mae. By XX/XX/XXXXI have filed bankruptcy chapter XXXX. After receiving a bankruptcy discharge, this is when I learned of Navient, when I looked at my credit report, I saw that Sallie Mae, and Dept of ed, and NAVIENT had been included in bankruptcy, my ccredit report also reflected the same information. Also it stated that the loans where no to be collected, sold, or transferred. Yet, as Navient, they transfered six of those account. All came about, due to school misconduct, such as forging signatures and falsifying documents ( source U.S. Supreme Court ) .navient has sense then taken one loan and broke it down into 6 individual loans to purposely damage my credit. {$8300.00}, {$4400.00}, {$8700.00}, {$2200.00}, {$5900.00}, $ XXXX= {$34000.00} ; which they are now saying is close to $ 60k.Navient has failed to resolve the issue.they will not send original information in reference to the accounts, thus who requested it? who signed for it? Not even would they say where they sent the money. I have asked them to remove the balances of my credit due to the bankruptcy discharge, which they honored. But when I go on their web site, it only shows one account. I current have that account on hold due to barrowers defense to repayment due to school misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: AR
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 file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. XXXX  is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, Inquires:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXK XXXX, XXXX / XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

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 2022-05-02
Company: EQUIFAX, INC.
State: IL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: IL
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, XXXX XXXX never gave EXPERIAN any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account paid in full XX/XX/2020 with the medical provider. Wakefield showed up on my credit report in XX/XX/2020 and I have been trying to obtain information and show them that my account was in full. They tell me they haven't heard from the medical provider and the medical provider tells me they have contacted them to tell them my account is paid in full and nothing is owed. I even emailed them numerous times with proof of payment and XXXX  balance with no response. I call them and they just tell me they can't help me and to wait until they hear back from the medical provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Wells Fargo randomly replaced my credit/debit cards without reason TWICE, stating that the reason was " only for my protection. '' I pay most of my bills online and virtually changed all my accounts after the first time AND then had to do this again. What a total pain-in-the-ass. TWICE???? 

Furthermore, when my current card expires in just a couple of months, they won't renew that card number. I have to get a new one again! 

If I have to make a credit card return I am screwed because retailers won't accept a new card # for a credit to my account and I will be stuck with a " store credit ''. Wells Fargo screws me again. 

Just a couple of weeks again, they froze my account over a {$4.00} charge at know business that I use frequently and that " they felt '' was at risk. 

They do this all of the time... if there was another national bank in Texas to use, I would change. Sadly there isn't.

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 2023-05-31
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXXXXXX XXXX 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 XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: LJ Ross Associates
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I explained this debt is reappearing after on or about XX/XX/2022 I provided a police report and confirmed my address during the time the account was active. The representative told me I was mentally unwell ( XXXX ) and I'll pay this bill after they report it to the credit agencies. These charges were a result of identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had previously filed a complaint with the CFPB case # XXXX and have included the company 's response. Capital One didn't provide any documentation as proof of there decision and why the denied me. Capital One in there response provides all the denial letters and the reasons for denial. It's very disturbing that the CFPB would close my complaint without any investigation. I am providing proof that Capital One is denying me for other reasons besides my credit history. In there responses they state I have too many inquires which in there disclosures states two or more, that I have a collection or judgment, They also pulled my credit report on XX/XX/XXXX without my consent. When I spoke to the representative XXXX she stated they would use the information from the XX/XX/XXXX application. Capital One seriously needs to look into this further and provide the proof for there decisions. I am providing my credit reports from the credit agencies Capital One used for there decisions as proof and that everything Capital One states in there denial letters are not on my credit reports. I hope discrimination is not the reason for my denial for a Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2023 I decided to view my Equifax credit file, and while viewing my file I noticed that Equifax had been reporting an account which I have no knowledge of : Name : XXXX XXXX Account XXXX  : XXXX After noticing this account I decided to mail out a certified letter to Equifax on XX/XX/2023 requesting that they look into this matter by investigating and verifying the accuracy of it. On XX/XX/2023 I received a letter from Equifax claiming that they verified the account and the information is accurate. Equifax also sent a paper that looks like a billing statement from XXXX XXXX. After giving Equifax 10 more days to provide me with some type of document linking this account to me, I decided to send another certified letter. On XX/XX/2023 I sent out a certified letter to Equifax to let them no that the reporting of this item on my credit file is extremely concerning, and I gave them another 15 days to provide me with there METHOD OF VERIFICATION. In this letter I also requested the name, address, and telephone number of each person contacted regarding this alleged account as well as a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/2023 I received a letter from Equifax claiming that they verified the account to be accurate. In this letter Equifax still failed to provide me with there method of verification, the name, address, and telephone number of each person contacted regarding this alleged account as well as a copy of any documents provided bearing my signed signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Instead, they sent me the same billing statement they sent to me back on XX/XX/2023. On XX/XX/2023 I sent out another certified letter letting Equifax know that they have failed to provide me with any of the documents that I requested. I still have not seen any document bearing my signed signature. I also let Equifax know that they have violated 15 US CODE 1681e ( b ) by not providing me with MAXIMUM ACCURACY and 15 US CODE 1681i ( 7 ) by not properly investigating within the 15-day timeframe. I also informed them that this account which they have failed to validate must be removed immediately. On XX/XX/2023 Equifax mailed me out the same billing statement for the 3rd time instead of removing the account which they can not validate.

Company response to consumer: Closed with non-monetary relief