BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Avant Holding Company, Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
To : AVANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Explanation request and APPEAL dispute findings Dear Sir or Madam, I am writing this letter to have fraudulent charges removed off my credit card. The credit card advertises ZERO Fraud liability and should follow the Fair Credit Billing Act for customers as myself that are victims of fraud and theft. I received a letter that you have completed your investigation and found that the transactions is/are authorized and valid dated XX/XX/2022 the same day you placed charges of {$680.00}. 

I informed your company Fraud management services- of all that occurred and the steps I had taken. I will report again what has occurred and the steps taken. Respectfully, at this point I am requesting a supervisor or management to handle my request. 

My purse was stolen on XX/XX/2022, my AVANT credit card was in my purse and used fraudulently WITHOUT MY PERMISSION. The merchant at XXXX should have followed theft/fraud safeguards and requested identification from the person using my credit card and compared signatures for the two purchases : {$200.00} and {$480.00} which was not done! The charges were reversed on XX/XX/2022 and re-applied XX/XX/2022. 

Steps taken : -Police called and incident reported ( provided to fraud management services ) -Spoke with Detectives and was informed they do not give police reports to civilians. The credit card company can call them, and they can inform them what is in the report to confirm @ AVANT request ( YES, AVANT credit card is listed in the report ). This was not done to assist in my fraud dispute. I was willing to do a three way so I can be on the line and so all parties are in the loop. 
-Contact Assistant District Attorney to get the confirmation and take those charges off my credit card. 
-A request with the XXXX  unit at XXXX XXXX XXXXXXXX was requested, -there is no date or timeframe for receipt. 

-- -- -Original Message -- -- - Subject : XXXX Online Verification Request Confirmation XXXX  Thank you for your online verification request XXXX Complaint Number : XXXX DOF Form Number : Transaction Date : Thank you for your order. This e-mail will serve as confirmation that your online verification request was received. Please do not reply to this e-mail. 

Please keep this for your records. 


I had no charges on my card and now am expected to pay for fraud and theft charges that I did not make - AGAIN- I need for those charges to be taken off my credit card. I expect a thorough re-investigation to my fraud dispute, outreach and investigation into this matter and removal of the charges from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The last date that the dispute results have came back was XX/XX/XXXX. I have requested again. I have started disputing since XXXX. 
my financial service that I used has confirmed this information multiple times and confirms the information on the credit report is incorrect. 
My car was totaled in the month of XXXX, after a payment was made. My car was collected since it was damaged also a day later. I havent had my car since XXXX, yet it shows a 30 day past due payment in XXXX. I have disputed multiple times and they have refused to investigate stating that the information is correct when it is not.

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 2023-12-13
Company: SYNCHRONY FINANCIAL
State: FL
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:
There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is XXXX and the other is Lowes.

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 2023-05-17
Company: EQUIFAX, INC.
State: MI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXXE ) XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$2500.00} ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Nelnet, Inc.
State: AZ
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:
I am XXXX and trying to apply for a Total and Permanent XXXX discharge of my loans. I had my doctor fill out the form, I scanned it and emailed it to Nelnet as per their directions. A month later, they sent me a letter saying that they did not receive a complete TPD application from me. The letter said that they received the second page and were missing the first page. I double checked the attachment on the first email I sent and verified that I had sent the correct and complete document. I thought that maybe their email system did not recognize that there were XXXX pages, so I rescanned the document, and emailed it in response. XXXX month later, they sent me a letter saying that they received the first page but never received the second page. I double checked the second email I sent and verified that the attachment I sent had indeed both pages attached. I decided this time to send the actual document through the mail to Nelnet, as per their directions. Apparently, despite what they instructed consumers, their website is not equipped to handle XXXX page attachments. XXXX month later, ( XX/XX/23 ) I received a letter saying that my doctor did not complete the first question and the whole application needed to be redone. I opened the attachment of the scanned document I had mailed in, and I can see the first question filled out in my doctor 's handwriting. I feel that this is a matter of discrimination. I feel that Nelnet says that they will take care of all customers despite any difference that they XXXX have, but they are deliberately making this situation nearly impossible for XXXX people. I have 60 days to correct this issue or they will throw out my application. I called Nelnet and spent XXXX minutes on hold listening to an automated message before I was given any options. I entered my information 3 times and was told by the computer that there was no account with that information. I have been going through this since the beginning of XXXX. I am determined XXXX by the XXXX, but because my condition was at the time unknown, I must have my account reviewed by XXXX in XXXX years. This is why I have to go through this process for TPD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I made on-time payments to XXXX XXXX XXXX XXXX checking account information as I have done for many years. Evidently there was some kind of error in their portal because even though my payments were made on time, they are stating there was a payment error. 
XXXX XXXX reported the payments as XX/XX/60 days late on my credit report even though I scheduled the payment to take place on time. XXXX XXXX has also restricted my payments to debit cards only. I don't have a debit card. If XXXX XXXX wants to be paid, they must reinstate payment from a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: ENCORE CAPITAL GROUP INC.
State: IA
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:
Im having issue with Midland Funding LLC account number XXXX. Its been deleted. 
They now reopened an account through Midland Credit Management not under the original account number of XXXX but under their made up number called MCM account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Affirm Holdings, Inc
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my balance with XXXX XXXX XXXX XXXX XXXX. In XXXX I reached out since they were still reporting the balance. I have attempted to talk and write to them XXXX more times since the first time and they said it was a glitch in their system and would get it fixed. It still has not been fixed and they havent followed up with me as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
According to federal law I never provide Equifax with written permission to report any accounts I've listed below that is in violation of 15 U.S. Code 1681b ( a ) ( 2 ). 
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
this leads to identity theft!!!!!!! 
Definition of a credit card per 15 U.S. Code 1602 ( l ), means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
I did not provide the companies I listed below with consent to share my credit card ( ID, SSN, etc ) with another entity ( EQUIFAX ) this is a violation of 15 U.S. Code 1681s-2. 
( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

WHICH I HAVE DONE! 

15 U.S. Code 1681- Congressional findings and statement of purpose A statement by you that the information is not information relating to any transaction made by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XX/XX/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 2021-11-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX/XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: FIRST NATIONAL BANK OF OMAHA
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a phone call from First Nat'l Bank of Omaha about a XXXX XXXX credit card that had been applied for in my name on XXXX. When I called them, they told me that the card had over {$1000.00} charged on it. I was told by the gentlemen in the fraud department that I would not have to worry about the fraudulent charges and that info would be sent to me in the mail.

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 2022-06-02
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The Hospital has taken my information and without my consent has sent it to a collection agency who is calling me non stop and threatening me if I do not pay. This collection company has also sent wrong information to all 3 credit bureaus, affecting my credit score and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CCF Intermediate Holdings LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have a new collection on my credit report that is not mine from check into cash this is not my debit and wish for it to be removed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account at Bank of America ( BoA ) was opened in my name tonight XX/XX/23. At XXXX, I received an email from BoA to verify my email address. At XXXX, I received an email from BoA that Weclome to Online and Mobile Banking. At XXXX, I received an email from BoA that my Online application is in progress. At XXXX, I received an email from BoA that my application was approved. I called BoA 's fraud hotline and alerted them of this and they asked me from my SSN and current/previous address. They disclosed that account was open in my name but could not disclose who opened it, or where the location was. They said they closed the account and would conduct a fraud investigation. From what I've read online, the fraud investigations don't amount to anything but I will wait and see.

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 2023-01-05
Company: Experian Information Solutions 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:
Went to a car dealer ship and was told they would only run my credit report with one bank, and they ran through 5 banks. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX No car was purchased. Did not ask for a inquiry. 
XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX was declined, did not ask for this. 
XXXXXXXX XXXX XXXXXX/XX/XXXX Did not ask for a increase. Denied. 
XXXX XXXX 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 2022-09-10
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed an FTC report because I found inaccurate accounts on my credit report and nobody would help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.

Company response to consumer: Closed with non-monetary relief