BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of 8/11/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt.

I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/ SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act KOHLS/CAPONE XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: MO
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:
I have called and also submitted disputes online about the issues, when I first disputed the incorrect information it was removed. For some reason it was put back on, you responded to my first complaint through the CFPB stating that I did n't contact your company about the negative information showing on my credit report when in fact I have contacted your company several times, I have even faxed proof showing that information should have been deleted from my report and nothing has been done. I ca n't even dispute online anymore because every time I try I get a error message stating that I ca n't dispute it online. I 'm not sure what else I need to do to have the negative accounts removed from my report. You have addresses reported and inquiries showing that I did n't authorize and yes I disputed this last year and it was removed like I said earlier then it was put back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2017-05-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
At  Wells Fargo , I continually set up autopay to transfer payments from my personal checking to the  Wells Fargo  account. However, their online statement ( response ) after setting up autopay is that it takes several months for it to be invoked. During this period, they will call you and say that your payment did n't successfully work, and that you need to manually pay along with a late fee of {$37.00}. Therefore, every month they do this.      Wells Fargo als o states that the wrong account codes were used when setting up autopay, so they purposely setup the customer to pay late fees.     My guess is that  Wells Fargo  managers ( a ) instruct their staff to charge late fees no matter what, and also have setup their IT system to create transfer errors, due to the recent loss of capital from the class action suit over bad practice in mortgage accounting.

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 monetary relief
Consumer complaint received 2017-05-03
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: Account status incorrect

Complaint:
On   XXXX   I called Equifax to inform them that a couple of the collection accounts I have, I received proof that they would delete them, however the representative said they could not do unless we had confirmation of that, so I told her that I have proof directly from Them but she still refused. What a terrible way of handling thing on Equifax 's part. Terrible customer service!     The accounts was    XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, and a proper investigation was done, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under 15 U. S. C 1681 Section 602 A. STATES I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: GA
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
EXPERIAN charged my checking account. UNAUTHORIZED CHARGE. 
Transaction Details for Row XXXX XX/XX/23 PURCHASE Experian* Cr XXXX XXXX XXXX {$24.00} OVERDRAWN ACCOUNT Activity Summary Current posted balanceOpens a dialog Minus- {$3.00} Pending withdrawals/debits Minus- {$27.00} Pending deposits/credits {$0.00} Available balance Minus- {$31.00} I had to cancel my card and reorder a new one due to the fraud. 
XXXX XXXX is investigating.

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 2017-05-03
Company: SLM CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to release my ex wife as a cosignor from my student loans as part of a court ordered divorce decree. I have not missed a payment and do n't plan on missin g one even though they have financially   XXXX   XXXX  . They denied releasing her and  now I am facing contempt of court because they wo n't switch cosignors or release the cosignor even though I have never missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: NC
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:
I have contacted each of these businesses regarding this matter and they have failed to comply with FCRA requirement.. They have failed to provide with me ORIGINAL WET SIGNATURE CONTRACTS STATING THAT I HAVE EXTENDED CREDIT using my social security number, under UNDER 609A OF THE FCRA. THESE COMPANIES ARE IN VIOLATION OF USC 15, WHICH IS FRAUDULENT. THERE IS NO STATUE OF LIMITATION ON FRAUD AND FAILURE TO PERMANENTLY DELETE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY WILL RESUILT IN A CIVIL SUIT AGAINST EACH AGENCY WHO HAS COMMITTED FRAUD AGAIN ME BY USING MY SOCIAL SECUIRTY NUMBER FOR WITHOUT MY CONSENT AND REPORTING INACCURATE INFORMATION TO THE PUBLIC. EACH COMPANY WILL BE SUED FOR {$1000.00} PER FINE. EACH VIOLATION IS LISTED BELOW UNCER LAW. FCRA 6-5B, FCRA609A, USC 15 , USC 16 , FCRA 611. I HAVE CONTACTED MY ATTORNEY WHO WHIS PREPARED TO BEGIN LITIGATION SHALL THESE ITEMS NOT BE DELETED WITHIN 4 BUSINESS DAYS. 
XXXX. THE FOLLOWING ITEMS ARE LISTED BELOW : XXXX XXXX - XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: NAVY FEDERAL CREDIT UNION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
. I purchased 2 vehicles using a finance charge transaction, and under 15 USC 1605, the finance charge is the sum of all payments, meaning there can be no late payments. However, the credit bureaus continue to report late payments on my credit report, which is a violation of the law.

I kindly request the CFPB to take appropriate action and delete the accounts below, as they should not be on my credit report Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

Furthermore, according to the FCRA, any information that is inaccurate must be deleted.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2023, I sent a letter to all three credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all three credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau experian, XXXX, and XXXX to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from third parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from third-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all three bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for 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 2023-11-25
Company: EQUIFAX, INC.
State: MD
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:
I do not know why I have so many inquiries - I DID not authorize all of these please remove these inquiries from my credit report i have custody of my XXXX XXXX  and i am desperately trying to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XX/XX/XXXX and ends XXXX after the XX/XX/XXXX and late payments were being reported during the covered accommodation period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below.

I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681s2 ( F ) Reporting information that does not belong to me- Please remove immediately * Please add a Promotional Suppression to my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient 's processing of annual income based repayment ( IBR ) requests takes too long - several months ( standard seems to be 3 months ), causing my monthly payment to quadruple or quintuple.
Every year I file my tax return as soon as I have all my documentation. For two consecutive years in a row (   XXXX   and   XXXX   ) I filed my taxes in   XXXX     and immediately submit my IBR request to Navient. I then follow up in a month with Navient to verify receipt.
For two years in a row, Navient takes 3-4 months (  in this case, it is currently   XXXX   and my IBR has not yet been approved ) to process and approve my IBR  request. This causes my student loans to be pushed out of IBR and into standard loan repayment, causing me to overdraft my deposit account and having to put other expenses on credit cards just to repay my student loans. Although I can submit a paystub instead of a tax return, I prefer to submit my tax return as it includes both my husband and my income after tax and will reflect a lower amount than if I submit a paystub.
When I called Navient both years to complain about the amount of time it takes to process the IBR, they offer to put my account into forbearance. I do not need forbearance - what I need is for there to be a reasonable processing time of my IBR request to avoid high monthly repayment costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-11-25
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:
Equifax Mortgage XX/XX/2022, XX/XX/2022, XX/XX/2022 never applied for mortgage with company

Company response to consumer: Closed with non-monetary relief