BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
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:
My information was sold and bought illegally because I was a victim of Equifax data breach. I want these item Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/ i electronically messaged navy federal regarding my account, they are constantly billing me to cover charges that they are supposed to be covering, as defined by 12 CFR 1002.2, i am a federally protected consumer. I am aware that there has been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, I am demanding they probide me with FULL, ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to my account, prove that i am not the borrower on my account and that when balance is in a positive balance that is credits to my account and not a debt, anything that is a debt will be in the negative balance. I have also mailed them a certified and notarized billing error notice

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 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through Experian, XXXX and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to XXXX XXXX over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.

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 2023-11-20
Company: ATG Credit, LLC
State: MT
Product: Credit reporting 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:
ATG CREDIT LLC Last reported XX/XX/2023 {$2700.00} Open balance XXXX XXXX XXXX XXXX  Original creditor Account opened : XX/XX/2023 ( XXXX mos ) I did not open an account on XX/XX/XXXX of XXXX. This is all the information I have and I do not know what it is from. I have never received any information in the mail for this unknown account and only noticed it on my credit while doing a bank loan transaction recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. 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. Experian 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 5 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 Experian is 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. Please fix the accounts below : 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 2023-02-12
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 2nd 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 items : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to you with great concern and frustration regarding the persisting inaccuracies on my credit report, particularly in connection with an account held by XXXX XXXX and a collection reported by XXXX XXXX XXXX. Despite multiple disputes and providing irrefutable evidence of the following inaccuracies : 1. An address I have never lived in. 
2. Information I have no knowledge of. 
3. Discrepancies in my consumer report upon different timeframes. 

It is evident that both XXXX XXXXXXXX and XXXX XXXX XXXX  are consistently in violation of several critical sections of the United States Code, specifically : 15 U.S. Code 1692b ( 2 - 5 ) : The Fair Debt Collection Practices Act strictly prohibits false or deceptive practices when reporting information to credit bureaus. Capital Ones actions in this regard are inexcusable. 
15 U.S. Code 1692c ( a ) ( c ) : XXXX XXXX XXXX  reporting of a collection that I have absolutely no knowledge of raises serious concerns about their adherence to the law. 
15 U.S. Code 1692g ( a ) ( 1-5 ) : I have not received adequate validation of this alleged debt from XXXX XXXX XXXX XXXX a clear violation of my rights under this section. 
15 U.S. Code 1681 ( B ) ( i ) ( ii ) : Both XXXX XXXXXXXX and XXXX XXXX XXXX have failed to accurately report my information, including the false address and information that I have repeatedly disputed. 
15 U.S Code 6801 ( a ) ( b ) ( 1-3 ) : XXXXXXXX XXXX  inability to safeguard my personal information, as indicated by the inaccuracies on my credit report, raises concerns about potential identity theft and is a violation of the Gramm-Leach-Bliley Act. 

In addition, XXXX XXXXXXXX may be in violation of 15 U.S. Code 1681c ( a ) ( 1 ) ( B ), as they have continued to report information that I believe to be inaccurate and potentially fraudulent, further exacerbating my distress. 

Given the egregious and repeated violations of these consumer protection laws, I demand an immediate deletion and removal of the disputed information from my credit report. It is my right as a consumer to have accurate, fair, and lawful reporting, and I insist on the restoration of my credit integrity without further delay. 

I am determined to resolve this matter swiftly and to put an end to this ongoing ordeal. 

Sincerely, 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 2022-12-30
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to send money to another person

Complaint:
Incomm was supposed to have sent me a check for the amount of {$170.00} for a previous dispute I filed with the cfpb about a vanilla prepaid gift card I was never ever to use. They kept the funds. This supposed check was mailed out XX/XX/2023 from what a representative with their company told me. They also told me to allow 3 weeks which was the XXXX of XXXX. They have closed the case without supplying me with any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: VA
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE IAM A FEDRALLY PROTECTED COMSUMER THIS FRAUD ACCOUNT MUST BE DELETED AND REMOVED OFF MY CONSUMER REPOER PERMANENTLY AND INDEFINITELY NOW!!!! 

XXXX XXXX XXXX Reported : XX/XX/XXXX - {$460.00} Needs Attention Overview You have 89 % left to pay on this loan. 

Balance {$460.00} Highest Balance $ XXXX  Monthly payment {$25.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Term 24 months Payment History Youve made 100 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Worst Payment Status Current Account Details Account status Open Type Secured loan Responsibility Individual Remarks No Info Times XX/XX/XXXX days late XXXX Closed No Info See an error? 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: LA
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, these convergent accounts listed below has violated my rights. 

XXXX. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY XXXX. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sent. 



XXXX. XXXX XXXX XXXX - ( original creditor XXXX ) last reported XX/XX/XXXX balance {$2400.00} XXXX. XXXX XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX ) last reported XX/XX/XXXX balance {$2400.00} XXXX. XXXX - ( original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) last reported XX/XX/XXXX balance {$1500.00} XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX paid- closed XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX paid- closed XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX ( original creditor XXXX XXXX ) XXXX, XXXX balance {$400.00} XXXX. XXXX XXXX XXXX XXXX - ( XXXX XXXX XXXX ) XXXX, XXXX balance {$520.00} XXXX. XXXX XXXX XXXX  - original creditor XXXX XXXX XXXX XXXX, XXXX balance {$2800.00} XXXX. XXXX XXXX  XXXX, XXXX balance {$470.00} XXXX. XXXX XXXX XXXX XXXX, XXXX paid - closed XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX closed

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 2022-10-27
Company: EQUIFAX, INC.
State: MD
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:
ACCORDING TO THE FCRA I DON'T RECOGNIZE THESE ITEMS THERE FORE, THEY NEED TO BE REMOVED/DELETED FROM MY CREDIT REPORT DELETE THESE INQUIRIES XXXX XXXX BANK XXXX REMOVE/DELETE FROM CREDIT REPORT ) XXXX XXXX ( REMOVE/ DELETE FROM CREDIT REPORT ) XXXX XXXX XXXX ( DELETE FROM CREDIT REPORT ) XXXX  - CARD SERIVICES ( REMOVE/ DELETE FROM CREDIT REPORT ) XXXX XXXX XXXX XXXX REMOVE/DELETE FROM CREDIT REPORT XXXX THESE HARD INQUIRIES I DID NOT AUTHORIZE THESE HARD INQURIES, THIS IS DUE TO FRAUD AND IDENTITY THEFT! ACCORDING TO THE FCRA I HAVE RIGHTS PLEASE REMOVE THESE OFF MY CREDIT REPORT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-07
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2023, 18 days after arriving in Arizona, I chose to trust Drive Now auto dealership and Auto Now Financial financing company in regard to purchasing a vehicle. I chose a XXXX XXXX XXXX. This vehicle was in my possession for every bit of 66 days. This vehicle continued to give me issues, from day one, and even after their service department stated the problems were fixed. I took it back to the dealer on XX/XX/2023 because I smelled oil burning. On XX/XX/2023 I was informed to take the vehicle into their service department, the vehicle could not get in until the XXXX and was kept until the XX/XX/XXXX. Nothing changed it got worse. I even paid for services to the vehicle, and it continued not to conform to my standards nor my needs. I voluntarily returned the vehicle, which they came to retrieve on XX/XX/2023, after two weeks of sitting in the parking lot of my home. I have spoken back and forth with them on multiple occasions still no solid or major resolve has been given. They are now stating and considering the voluntary return of the vehicle as a repossession. To top it off these companies are in violation of the Truth in Lending Act and other state and federal laws. ( A.R.S 44-1522, A.R.S 13-2202, A.R.S 47-2612, A.R.S 44-6002, A.R.S 44-286, A.R.S 44-289, 15 U.S.C 1605. 
Replying with " You signed the contract so You're responsible ''. 
True I did sign the contract, yet the terms were vaguely and quickly explained to me, I got rushed through the signing process, not being able to fully read and understand what was being presented to me. When I did get the time to fully read and better understand the terms, I realized there were many contradicting and unlawful practices intertwined within the contract. 
I submitted a XXXX  report complaint on them as well.

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