BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not authorize these inquiries which appear 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 explanation
Consumer complaint received 2020-12-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I checked my balance principal before starting grad school for my XXXX to make sure I could cover the balance. I also contacted the school I was applying to. When all was cleared I applied and started my degree. In XX/XX/XXXX my unpaid principal and balance was {$90000.00}. Not long after starting school I was informed that Navient had " found '' XXXX dollars in loans and interest. This was tacked onto my total cost and has put me in a situation of financial hardship at the end of my program. Now the school is saying that I have run out of funds for Federal Student Aid- a situation in which I made sure to avoid before starting my PhD. Furthermore, I have contacted Navient on this issue. They have started investigations that have been dropped, told me that I was right over the phone and that these totals in XXXX do not have an origination and are not connected to a school. I have recently sent out another email to Navient asking about the situation and the investigations- and have no response as of yet. This is fraudulent. I know the company has been in some trouble but tacking on loans to student accounts that are not real is illegal. I'm sure I am not the only student that has costs on their account that can not be backed legally. Navient refuses to respond and investigations keep disappearing. I have proof and paperwork and account balances leading up to the change in funds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2021-05-12
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: Old information reappears or never goes away

Complaint:
Equifax ; XXXX and XXXX should not be reporting the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and should not be on my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. ALSO I PROVIDED PROOF WITH MY DISPUTE THAT THE INFORMATION BEING REPORTED TO THE CREDIT BUREAUS WAS INCONSISTENT ; Inconsistent " Date Open '' Inconsistent " High Credit '' Inconsistent " Last Reported Date '' Inconsistent " Date Last Active ''. HOW CAN THE INFORMATION BE 100 % ACCURATE & TRUE WHEN THE REPORTED INFORMATION IS DIFFERENT WITH EACH BUREAU.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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. 

Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or 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 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 2022-07-30
Company: CCS Financial Services, Inc.
State: KY
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: Problem with personal statement of dispute

Complaint:
have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted. 
the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hello I sent my dispute letter to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was emailed through the school system of Oregon XXXX that a remote job opportunity was available paying {$350.00} a week, as an assistant to a professor. I responded showing my interest. On XX/XX/XXXX They said the next step to acquiring the job was to make a list of supplies that I would need as an assistant. A laptop, a printer, a stack of papers, and a self-inking date stamp. They sent me a Bank XXXX XXXX check for the total amount of the supplies plus first weeks pay. {$1000.00}. I thought I had a job. The check was being processed, but I had {$400.00} immediately available. I was asked by the professor to send {$680.00} through XXXX to a sales representative for them to purchase the printer and self-inking stamp. I thought that if anything were to happen and the job didn't work out I would only lose around {$280.00}. I tried to send the transfer. Wells Fargo properly flagged it down. I received a call from customer support for Wells Fargo at XXXX PM on XX/XX/XXXX. The person on the other line asked if I knew the person I was sending the money to. I replied no. The person on the other end got impatient, " Well did you authorize the transaction? '' This is where I think they made a big mistake. The operator just wanted me to say enough to cover Wells Fargo in the case of fraud. It was not their intended purpose of keeping people 's money secure by asking more questions and making sure this was not a scam or fraud attempt. After the funds were sent I was more hesitant to send more money. The check was said to clear on the XXXX the XXXX funds didn't send until the XXXX. On the XXXX, I realized I was scammed and took screenshots of all the conversations. On the XXXX, the day after the funds were sent, I called Wells Fargo to file a fraud/scam claim. They took down this information and said they filed a claim. It is XX/XX/XXXX and I have received no communication from them. I have since changed my passwords, username, and turned off digital wallets, but there should have been more done by Wells Fargo. Especially considering how close the date of the claim was to the sending of the money. 

Attached is screenshots I took on XX/XX/XXXX of all the messages both over email and text. There are also two screenshots of the calls between myself and Wells Fargo.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: IN
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2021-05-12
Company: BBVA FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi there, I was a client of Simple Bank. Simple was recently purchased by BBVA. BBVA did not send easy instructions on how to setup my new account and in the process my account was locked. I'm now completely locked out of my savings and debit account unable to access my money. No one from the bank is accessible to help me with my issue. Many Simple customers are now stranded without any access to their accounts and without any support from BBVA. I've been waiting for some sort of email communication letting customers know how to resolve these issues, but we haven't heard anything from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've informed TransUnion via the CFPB on XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, i.e ; FTC Report, Police report, etc., yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by TransUnion LLC on XX/XX/XXXX, which is proof that TransUnion has received my dispute and that I do Not agree with the response from TransUnion via the CFPB. 

The fraudulent accounts on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time and most recently on XX/XX/XXXX TransUnion has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX TransUnion has not provided me with those results nor procedurally proper validation of the debt ( s ). A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account

. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, TransUnion is in violation by not responding to my notice of Identity theft within 30 days.

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 2023-11-29
Company: EQUIFAX, 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Review the enclosed documents. I request the bureau to initiate an investigation into the accounts incorrectly reporting me as late, despite my consistent on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have had an Experian Identity Works Premium Subscription for approximately ( XXXX ) years and pay {$19.00} a month ; Member ID XXXX. On XX/XX/XXXX I reported Identity Theft and on XX/XX/XXXX, I was contacted by XXXX a Identity Theft Resolution Professional from XXXX, ext XXXX, followed by a email with all her contact details and went over all the support I would receive because I have the " Experian XXXX Works Premium Subscription. As of today XX/XX/XXXX. XXXX I have not heard from XXXX or anyone else in the XXXX XXXX XXXX XXXX In addition, I have phoned XXXX on her extension approximately ( XXXX ) times, emailed her ( XXXX ) times, phoned and spoke with a several customer service reps, the last being XXXX XXXX XXXX who phoned that dept while I was on hold and was not able to reach XXXX or her supervisor. I have called Experian well over ( XXXX ) times since reporting Identity Theft/Fraud and have sent hundreds of documents, liaisoned with my bank and my local police dept with absolutely no help from the Membership Fraud XXXX XXXX XXXX XXXX XXXX My membership comes with a XXXX XXXX XXXX XXXX, I've been paying for since 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 2022-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX 12 times with in XXXX min. 
XX/XX/XXXX 11 times between XXXX XXXX to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX 11 times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to XXXX times a day. 
The name of the company is Portfolio Recovery and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX  call protect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: ProCollect, Inc.
State: LA
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, These Companies below have violated my Federally Protected Consumer rights to privacy and my rights to confidentiality, under the 15USC and 1681and1681sec 602 and 604. 15usc 1681 sec 602 A States, I have the right to privacy. 15usc 1681 sec 604A sec 2 also states a consumer reporting agency, can not furnish accounts without my written Instructions. 15usc 1681c sec A ( 5 ) no consumer reporting agency may make any consumer reports containing any of the following items of information or any information, other than records of convictions of crime with Antedates. The report more than 7 years.15usc 1681. If a person knows or have congressional reasonable cause to believe that the information is inaccurate. 
1.XXXX XXXX XXXX & XXXX 2XXXX, XXXX & XXXX ( XXXX XXXX NO ACCOUNT NUMBER 3.XXXX XXXXXXXX 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 2021-05-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation