BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
A while ago i lost my social security card, i got a copy a while after, now i am being credited on my credit report for a {$4700.00} XXXX loan when i have not applied for a student loan nor do i even attend school, i tried going on the XXXX website and tried to log in then it is saying that they need 2 Factor Authentication when i have no info for the XXXX website nor do i have a XXXX account nor do i have an XXXX XXXX  loan. i have tried contacting the company XXXX but they do not have a customer service email, they also do not have any operator on the phone line to speak with and i have called 3 days already and nothing, i was also on the phone with XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: DISCOVER BANK
State: NY
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: Was not notified of investigation status or results

Complaint:
As of XX/XX/XXXX, I requested the following information from Discover Card : 1. A True Bill for the alleged debt associated with Discover Card Account Number XXXX. 
2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 
3. What was the the reinvestigation process and who furnished this information?

I clearly stated that, in the event Discover Card failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account.

It has come to my attention that Discover Card has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations.

Furthermore, I would like to emphasize the importance of Discover Card adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws.

In light of the above, I believe that Discover Card may be in violation of federal laws and regulations related to credit card practices, specifically in regard to Discover Card Account Number XXXX with account balance of {$1100.00} XXXX kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: CO
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 attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after XXXX years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c The date listed on the court document states initial filing date of XX/XX/2011 case # XXXX I have requested this to be removed, providing all documentation 3 separate occasions and they still have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: VA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information that is being reported on my credit report. I am specifically referring to the following accounts : 1. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX. XXXX XXXX XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account XXXX. XXXXXXXX XXXX XXXX Collection Account XXXX. U.S. Bankruptcy Court XXXX XXXX. U.S. Bankruptcy Court XXXX 10. US DIST CT XXXX XXXX. US DIST CT XXXX  I believe that the information being reported on my credit report is inaccurate and is damaging my credit score. I have reviewed my records and have found that there are discrepancies in the information being reported by the credit bureaus. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. I am therefore requesting that you investigate the information being reported by the credit bureaus and correct any errors that you find. 

I would also like to remind you that under the FCRA, you have 30 days to investigate and respond to my dispute. If you do not respond within 30 days, I will assume that you have accepted my dispute and have made the necessary corrections. 

I am very concerned about the impact that this negative information is having on my credit score. It has made it difficult for me to obtain credit and has caused me a great deal of stress and anxiety. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit 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 non-monetary relief
Consumer complaint received 2021-12-23
Company: PNC Bank N.A.
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 XXXX XXXX, who is submitting this CFPB complaint myself. BBVA USA account is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( BBVA USA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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 XXXX XXXX, who is submitting this CFPB complaint myself. RUSHMORE LMS is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( RUSHMORE LMS XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Caliber Home Loans, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Caliber home Loans violated The Real Estate Settlement Procedures Act of 1974 ( 12 USC 2601 ) ( RESPA ), together with HUDs Regulation X ( 24 CFR 3500 ), AND Louisiana RS 13:3852 Notices of Seizure as an official NOTICE of violation of Mennonite Notice for notification, AND sold a lot they had no fiduciary right to sell based on a contract and property description they acquired from XXXX   XXXX.

In Louisiana, the civil law, unlike the common law, has always rejected the notion of " creditor self-help. '' The harshness of common law " self-help '' remedies has been tempered by the United States Supreme Court decisions that use procedural due process to prevent a creditor from permanently depriving an owner of property without notice and a chance to raise objections to the proceeding. Caliber sold a property without properly notifying me, in addition, made the buyer unaware that the home they foreclosed on was on ONE OF TWO LOTS. The second lot was not a part on ANY contract entered into with XXXX  XXXX  ( as can be proven by my contract with an original lot description ) As the owner of the property secured on Account number XXXX, I was never contacted as to the seizure of the property at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX..And the current " owner '' has been made to believe they own the adjacent lot. I am looking to take possession of this lot immediately through settlement or juris prudence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my computer was hacked, and my personal bank information was accessed by an imposter, XXXX XXXX, claiming to work for the FTC. Wire transfers were initiated and completed by this imposter totaling {$86000.00} from two of my bank accounts. These wire transfers were done on, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. These transfers went to XXXX and XXXX Two of the accounts this imposter opened got closed soon after for security reasons per the two companies. When these accounts were closed, {$29000.00} was sent back to one of my bank accounts. The total amount that I am currently out is, {$56000.00}. 
Once I saw what was happening, I contacted the two banks, XXXX XXXX and CIT Bank to alert them of the fraud and put a Freeze on my accounts. During a phone conversation I had with CIT Bank I learned that they had associated the imposter 's phone #, XXXX, with my accounts. I also found it troubling that my CIT Bank account no longer had the two-step login procedure that I had initiated months earlier. I believe that CIT Bank was communicating directly with this imposter XXXX without my knowledge and authorization. I have also filed a detailed Consumer Report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: SC
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have initiated disputes for the listed items on my credit report, and I have serious doubts regarding the thoroughness of the investigation conducted by your company. Regrettably, the requested evidence to substantiate the account has not been provided, and the documents I submitted as proof of the inaccuracy of these items have seemingly been overlooked. 
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ), your company is obligated by federal law to undertake physical verification of the original signed certified consumer contract for all accounts submitted for posting or reporting on a credit report. Given the absence of this essential verification, I insist that these accounts be promptly removed. 
In light of the FCRA 's requirements, I kindly request the immediate deletion of these disputed accounts from my credit report, ensuring compliance with federal law.

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 2023-05-18
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RM XXXXXXXX Current Last Updated : XXXX XXXXXXXX XXXX Account Status Open Account Type Collection Account Payment Status Collection/Chargeoff Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I did not give permission for XXXX to report this debt to my credit report I did not agree to my personal information to be solicited It is illegal to charge or write off a debt as a loss for and seek payment from a tax write off and continue to report collection late payments or any negative debt This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-04-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX ) I have contacted creditor XXXX XXXX to update new address please remove. 

There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXX XXXX, AZ XXXX }. 


I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX Once you have deleted the inaccurate names, addresses and numbers from my credit report, please send me a copy of my updated report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund of payments I made to Aidvantage during the COVID-19 student loan payment pause. The total amount is {$4100.00}. I requested this refund in late XXXX of 2023. Aidvantage told me it was approved shortly thereafter and that it may take 14 weeks to receive payment. I have not received anything. However, Aidvantage and dept of education both tacked the {$4100.00} back onto my student loan balance without giving me the refund amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$70.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX

Company response to consumer: Closed with explanation