BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
The reason for this second request, is to dispute unauthorized inquiries on my credit report. 
Made by : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-08-17
Company: EQUIFAX, INC.
State: NC
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:
per consumer report number XXXX the negative reporting items and all inquires were meant to be removed by Equifax confirmation numbers XXXX and XXXX. 
these items are still being falsely reported and I demand removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
About 20 years ago my ex XXXX  and I divorced. I have fallen behind on the mortgage and contacted Suntrust for assistance. They collected documents for months and even after weekly phone calls told me I was denied for a modification for missing documents. At that point the opposing counsel was put in charge of collecting documents. I submitted documents to the counsel. I was told that I had to send in income documents from my ex XXXX who has not lived in the property for XXXX years ( I have also remarried and submitted my current XXXX who lives there now 's income ). I then contacted FHA directly and received an email from their representative stating that the lender does not need my ex XXXX XXXX income. I then forwarded this information to opposing counsel. Opposing counsel sent me back an email that they were not going to follow the directive of FHA. They are refusing to review the income that is part of the household and blocking me from receiving the assistance that FHA has in place for their homeowners. I would also like to note that I have submitted the quit claim deed and divorce decree granting me the house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-06-30
Company: EQUIFAX, INC.
State: VA
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 the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report.

Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible purpose. As far as I am aware, neither Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX have no permissible purpose to access my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT IMMEDIATELY. 
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 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 2020-08-05
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Sequium Asset Solutions , LLC claiming that I owed a debt to XXXX XXXX XXXX, which is not true. The letter, dated XX/XX/2020, says clearly that I have 30 days from the time I received the letter to dispute the debt. I disputed the debt and sent the letter off XX/XX/2020 because I did not receive the letter until some time around XX/XX/XXXX, possibly because of Covid-19 delays with mail. 

Being that I disputed the information, then why was this inaccurate information reported to my XXXX and XXXX  credit reports on XX/XX/2020? This is clearly before the letter was even sent as well as well before the 30 day time frame I had to dispute the validity of the debt. 

The fact that they submitted this debt without validation is a clear VIOLATION of the Fair Credit Reporting Act. I am allowed 30 days from the time I receive the letter to dispute the validity of any debt collection. They did not do that and the credit bureaus did not even verify if the debt was mine. 

Attached to this complaint is the letter that I sent to Sequium requesting proper validation to this debt, the certified letter receipt, and the collection notice I received in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX XXXX XXXX  claimed to have delivered an item to my home address. But no delivery was made on that day. I have checked our XXXX and questioned everyone in our home, but there was no delivery trace. I checked my XXXX app to report the situation, but I was advised to wait at least two business days because sometimes couriers mark an item delivered before they do. I waited three days, and nothing happened. Between XX/XX/XXXX and XXXX, XXXX I called and chatted through the app with XXXX to notify them of the situation and get a resolution. But they kept XXXX  ( excuse my XXXX ). 
As a result, I reported the incident to Paypal Credit on XX/XX/. I continued to dispute and contact them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX Paypal Credit claimed to have received proof that I had received the item and continued to seek payment. As a result, I closed the account and requested a copy of the evidence they claimed to have so I could pay them ( In case I have lost my mind ). As of today, I am still waiting to receive evidence that supports the PayPal credit claim. But PayPal Credit continued to send me bills with penalties, Interest, and other ridiculous charges. Also, PayPal Credit continued to supply credit bureaus with derogatory remarks on my credit profile. 

The Fair Credit Billing Act ( FCBA ) requires PayPal Credit to investigate a dispute thoroughly. But they failed to do so and continued to make a decision consistent with a description of discrimination. They also could not establish a factual obligation that requires me to pay them. 

Remember, the account was closed on XX/XX/, to the satisfaction of Paypal Credit.

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 2022-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received five emails from Bank of America to my old email address ( with my previous name ). I do not own a Bank of America account. I have never used Bank of America. 

The emails are basically as follows and were received within seven minutes total. 
1 ) Verify your email address ( they used an old email address and used my old name ) 2 ) Online Application is in Progress 3 ) Application was Approved 4 ) Welcome to Online Mobile and Banking 5 ) Email Address was updated All emails were forwarded to XXXX XXXX  XXXX When I attempted to call, bank of america would not allow me speak to any representatives because I don't have an account there ( which, duh, I'm calling to say someone opened an account without my knowledge! so of course I don't have the account information! )

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 2023-03-21
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: AZ
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 just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-27
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I wasn't aware of the derogatory remarks made to my credit score until XXXX of XXXX while trying to apply for a loan forbearance. Last year in XXXX and XX/XX/XXXX Nelnet made derogatory remarks which impacted my credit score. I have attempted to apply for a forbearance due to my financial situation at that time. Upon contacting Nelnet they state that XX/XX/XXXX was the first time I reached out to them to discuss my past due balance, which is incorrect. I know for a fact that I spoke with someone prior to XXXX. As a matter of fact I've had numerous issues when contacting them, but I remember it because I was calling regarding my application and they were having computer issues of some sort. I have applied for a financial hardship of some sort and it had not been processed or processed correctly. I have made every attempt to keep my student loan in order and have called numerous times throughout the years to check on my status. Now due to some mishap that happened, I am the one who is paying the price with derogatory reporting. Never once did they let me know that they had reported it until I pulled my credit score. It was unfair how this took place, as I've followed up to make sure that forms were completed properly. Just to mention half the time that I spoke with someone there they always gave me the run around and no one knew what they were doing and every time I called I got a different answer from everyone. It was my mistake I wasn't into detail to take notes as I was always getting the run around. I have sent them a letter XX/XX/XXXX and still haven't heard anything back. I am attaching a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
I am going over my credit report and i have tried to deal with this through eqiufax multiple times over the past year. Sending multiple letters and making mulitple phone calls. I never applied or gave anyone my authorization to run my credit profile. The following inquires were not made by me and was identity theft. XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX I refinanced my XXXX XXXX pickup from XXXX Bank XXXX XXXX Capital One XXXX XXXX. Then on XX/XX/XXXX I totaled the XXXX XXXX pickup and my insurance company totaled the vehicle out on XX/XX/XXXX. They then proceeded to call Capital One to pay {$28000.00} on the {$32000.00} loan on the pickup. Capital One never had the title transferred from XXXX Bank XXXX name into there name. My insurance company XXXX XXXX XXXX ) then called me to inform me that they couldn't pay the loan until the title was transferred into Capital One XXXXXXXX  name. So I started making phone calls to see what was taking so long for the title to be transferred over to their name. Then they told me after numerous calls to Capital One in XXXX and XXXX that I needed to get all this paperwork filled out again from the previous lender and from myself because they didn't have any of the paperwork they needed to send to my state to have the transferred over. I called the previous lender and they said they would resend all the paperwork again to Capital One and I sent all the paperwork I had. After getting all the paperwork sent over I called again to see how long it would take since I still been paying on the loan even though my insurance was trying to pay on the loan. They told me to just have the insurance company to make monthly payments or my credit would be ruined since they wouldn't put my account on hold since I signed for the loan. So after all this time it has been over 8 months and I just called again on XX/XX/XXXX to find out if the title has been transferred yet they told me no it's still pending and I will need to just wait. So I have decided to stop paying the payments even if my credit gets ruined because I can not afford to pay XXXX truck payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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