BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the inquiry which does not belong to me or was opened without my permission. 

XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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 2023-04-07
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 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 explanation
Consumer complaint received 2023-09-29
Company: Bread Financial Holdings, Inc.
State: PA
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:
To XXXX XXXX, In your letter dated XXXX XXXX you state I received a copy of your Financial Privacy Policy when the account was opened allegedly in my name and that I can limit information sharing ( OPT OUT ) if I wish to do so. 

Well, I would like to officially OPT out of the following accounts you are reporting without my permission. 

XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX ) Comenity Bank XXXX XXXX # XXXX ..... 
XXXX XXXX Comenity Bank XXXX XXXX # XXXX ... ... ...... 
XXXX XXXX Comenity Bank XXXX XXXX XXXX # XXXX ... ...... 

You mention you sold accounts to another company, BUT your company is still reporting this account and therefore I am officially requesting that you OPT me out of credit reporting the accounts that have no business reporting in my credit reports in the first place that you are currently reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX I deposited {$1800.00} from my XXXX account to my citi bank account. Then in XX/XX/XXXX I deposited {$1000.00} from my XXXX  account to my citi bank account. Shortly after Citi Bank locked me out of my account and I still have not receive my funds. I have had no updates.

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 2022-03-04
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Berlin-Wheeler did not provide me with written notice of this alleged debt before reporting this alleged debt to the credit bureaus. They denied me my right to request validation and verification of this alleged debt. 
2. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me despite submitting documentation to XXXX that this alleged debt was associated for services for someone else. 
3. Berlin-Wheeler continues to verify to XXXX that this alleged debt belongs to me by only verifying my name and address. XXXX has confirmed that this alleged debt is not associated with my social security number. 
4. The original creditor has received full payment for this alleged debt. I have never paid Berlin-Wheeler for this alleged debt ; however, XXXX customer service informed me that Berlin-Wheeler is reporting this alleged debt as if I paid Berlin-Wheeler for this alleged debt. 
5. Berlin-Wheeler has not provided me with documentation demonstrating their legal authority to collect and report this alleged debt, or access the protected medical information associated with this alleged debt.

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 2023-02-27
Company: EQUIFAX, INC.
State: TX
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:
Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including Equifax, XXXX, and XXXX. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the Equifax, XXXX, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets Equifax, XXXX, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Trans Union credit bureau is still listing an outdated " hard '' credit inquiry on my credit report. The inquiry is dated XX/XX/2016 and is over 2 years old. The company that made the inquiry is XXXX XXXX XXXX XXXX. 

I have contacted both Trans Union and XXXX XXXX, to have them delete this inquiry from my credit file, with no success. 

The FCRA, or Fair Credit Reporting Act, passed by Congress, mandates that any " hard '' credit inquiry that is 2 years old or older, must be removed from a consumer 's credit file immediately.

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 2022-11-07
Company: ROBINHOOD MARKETS INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Robinhood took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with the county to get the negative amount from me. Which its not my fault its robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or delete these inaccurate items in my file. 
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 2017-05-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I attended  XXXX   XXXX  from  XXXX  to  XXXX . I graduated and left with a bunch of loans. I have been on an income base repayment plan since I graduated. I owe more than I make. I was I had false practices with my loans.  I was told be a loan consolidating that there were more than one loan opened in one day. Loans being taken out of my name without my acknowledgement. I will receive emails showing I have {$0.00} payment and then come across some emails showing I owe {$100.00}. I 've tried to apply with borrower defense   back in   XXXX   XXXX   I did not hear back from Navient regarding me claim. It was n't until last week,  XXXX   XXXX  when I thought I, was being scammed by a student loan servicer that I had called Navient to ask what their affiliation with Student Loan Educators was and they told me they do n't work with third parties regarding student loans and also that my submission for the borrower defense program was denied. Nobody contacted me or, let m e know it was declined. This student loan debt is screwing my credit score. Its really hard to obtain credit or even a house. I got lucky with my current apt . I feel Navient did not look into my loans to investigate amd to help me discharge some or if not all my student loan debt . I put  XXXX   XXXX  as my school on my resume and I 'm being laughed at or ca n't get a job in my field with my degree, I, would really appreciate if someone would look into this. I 'm so, desperate for help I went to a student loan servicer and got scammed. Please someone help.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
DearConsumer fFinance Protection Bureau, This letter is to inform you that Synchrony Bank has illegally and in bad faith submitted a form 1099-C to the Internal Revenue Service ( IRS ) despite being aware that the debt resulted from identity theft. This form 1099-C is an official form used by the IRS to report cancellation of debt and thus should only have been done by first addressing the issue at hand. I have documentation to prove that I became a victim of identity theft, which was the cause of the debt owed. I am making an official complaint and request that the IRS revoke this form 1099-C,
which synchrony filed improperly. I request that Synchrony Bank take steps immediately to prevent this type of malicious behavior from occurring. Furthermore, I ask that Synchrony Bank be held accountable for the financial damage caused by the improper filing of this form.

I would appreciate your consideration in this matter, and if there is anything I can provide to further my case, please do not hesitate to contact me. Thank you for your time and consideration.

The Texas Deceptive Trade Practices Act prohibits debt collectors from submitting false information to the IRS on a Form 1099-C. This protects the consumer by preventing an inaccurate representation of the consumer 's tax liability to the IRS. It also ensures that any action taken by the debt collector is done in a manner that is fair and honest to the consumer, as outlined in the act. In addition, the consumer can take action against the debt collector if any unlawful or deceptive practices were used by the debt collector during the process.

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 2017-05-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been requesting my  XXXX  free credit reports online via  XXXX  for many years. Usually no problems but have caught  XXXX  problems and managed to resolve them in the past. No issues for at least 5 years. Last year (   XXXX   XXXX  2016    ) I printed  XXXX  and  XXXX  from the online reports. Equifax stated online they could not honor my request online but would reply by mail-which they did. This year   XXXX   XXXX   to be exact I had no trouble printing online reports from   XXXX   &   XXXX  . Equifax however stated they could not honor my request online for security reasons ( they did not ask any extra security questions which have been used by others in the past  )  but I would have to process my request through the mail. There was a place to click on a PDF file to print the mail in request and to submit many different types of proof of identity. As this appeared to be onerously cumbersome I started clicking around to see if I could avoid this extra work. I managed to get back to the home page which now showed that I had received my Equifax report.and could no longer access the information. I have attempted to find the request form and instructions online unsuccessfully. I have attempted to call Equifax but since I had no ongoing issue none of the options applied.   It appears that Equifax is doing it 's darnedest to avoid complying with the Fair Credit Reporting Act ( FCRA ). I just want my credit report without having to jump through unnecessary hoops-yes I think security is important but so do  XXXX   &    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: CT
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:
I requested a copy of my credit report and spoke with a representative and inform the representative that there are a lot of inquiries on my credit report from the same company made within a month from each other and some inquiries made within the same day as fraudulent and I did not request any information from the companies that are showing up on my credit report, to no avail have the multiple inquiries been removed the credit bureau sent me an updated credit report with the same information I also spoke with a supervisor to no avail this situation is disheartening

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: SD
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:
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified th e CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to prom ptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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 follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXXXXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX  XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance Owed : {$82.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2021-03-17
Company: CL Holdings LLC
State: AE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Currently, I am saving money in order purchase a home upon my return from XXXX. However, while go through the prequalification with a mortgage broker ; I was informed of a debt from Jefferson Capital System is showing on my credit report. However, this loan was already paid through military allotments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
About a month ago I got in touch with a account specialist at mrcooper I am really greatful that mr cooper is offering me a new modification due to the disaster that I encounter months ago it was a really big help I am very thankful and for ever thank mr cooper for their big help. Now Im a little disappointed that as much as I try talking to an account specialist regarding the new payment of the new modification of XXXX its still a bit high I want to ask mrcooper investor or investors if there is more than one to please reconsider my age and now that Im a senior. I want to continue with my home and start fresh I also want to mention you once again that if the disaster wouldnt have affected me I wouldnt be in this situation right now and of course would be current before the disaster I had a family emergency that cause me to fall behind one or two months but I still kept on giving my payments also after the disaster 3 months lower payments that I completed I still continued giving my payments. 
I understand that Im not current at the moment but it is my priority to keep up and to keep my home but it is necessary for you to understand that I have a neighbor whom is an attorney and he advice me to ask you to lower my payment a little less from the XXXX I would like to keep the 3.00 interest that you are giving me and offered me in the previous modification. 
The payment back than was XXXX Please help me get a payment from XXXXto XXXX Im not asking you for a big difference only to drop the payment XXXX or XXXX less but I will be happier if its a little more than than and keep the 3.00 interest. 
The attorney said if you are offering me a new modification the new payment should always be less than your previous payment which was XXXX it should be less if my lender is offering me a new modification and keeping the same interest. 
Please help me I want to keep my home and start making my first trial modification payment this XX/XX/2018 or XX/XX/2018 It is my priority to keep my home and Im a senior citizen whom is asking you for your help by keeping he same interest at 3.00 and have you lower my payment a bit less than XXXX

Company response to consumer: Closed with explanation