BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: VA
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'm sending this complaint to inform the 3 credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: Bayside Capital Services, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint against BAYSIDE capital services Total amount to settle account {$510.00} Verbally agreed and set up {$100.00} payment for XX/XX/2021. 
They withdrew the {$100.00} plus an additional {$560.00} on the XXXX of XX/XX/2021. 
They wrongfully withdrew another {$460.00} on XX/XX/2021. 
When I called they told me to call my bank to get the funds because they have no history of them taking the {$460.00} XXXX XXXX was rude and unapologetic After they wrongfully pulled out the additional {$560.00} they sent me a letter saying my account was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 Collection account has been wrongfully placed on my consumer report By your office and you are being held responsible from here and your current reporting is : XXXX XXXX of the amount of {$650.00} whom this may concern i want to inform your office that you are in violation of the fcra, you have violated my rights by reporting false inaccurate information by the placing this false account on my consumer credit report. The collection that is being reported hasnt been opened by me, I have no knowledge of the account be advised by law I have the right to PRIVACY and you credit reporting agencies have violated it by the accused collection account and date FOLLOW AS XXXX XXXX  BY LAW WHEN A CONSUMER DISPUTES WITH A CREDIT REPORTING AGENCY THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW IS EXPERIAN, XXXX, XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-05
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$580.00} ( Original Creditor : XXXX ) XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: WELLS FARGO & COMPANY
State: AK
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:
dear WF/XXXX  I am filing this complaint a 2nd time with the cfpb because you guys have not taken my identity theft seriously. " you said in your response you contacted your Fraud Department for a reconsideration of your claim. It was confirmed the fraud claim will remain denied as the merchant provided documentation showing the item was delivered to XXXX XXXX XXXX XXXX, XXXX, AK, XXXX, which was the address i resided at during the time of the application ''. i have never resided at XXXX XXXX XXXX XXXX, XXXX, AK I'm attaching XXXX rental leases and a statement from OverWatch Real Estate Management showing where i was living when this fraud took place also in your statement you guys admitted to reporting this account inaccurately to the credit bureaus and that a violations under the FCRA so this account must be deleted from your credit reports

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 2021-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo is declining my transactions. I tried to transfer my bitcoin funds to external wallet but the system automatically decline transfer request. Venmo agents informed me that they are unable to override the system and tell me to sell my bitcoin to transfer funds. Selling and buying is not free so Venmo is making free money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/23, there was a glitch with my bank that affected a {$500.00} payment. I immediately corrected the matter and made another payment of {$500.00} the next day ( XX/XX/23 ) that Sallie Mae has refused to account for. They told me to get a letter from my credit union ( attached below ), proving that the second {$500.00} payment had not been returned and send it to them. They acknowledged receipt of the letter and said they would contact me within XXXX days. 

They have not. By my attached phone record, you will see that I tried many times to reach them. For those calls that lasted XXXX minute, by the time I finally got through to someone, the call was disconnected. They did not call me back though I had identified myself with the myriad identification methods they requested to simply talk with me. 

I have made XXXX payments since the {$500.00} payment in XXXX. The account is in good standing. However, they are charging me for interest and fees on the payment I made XX/XX/XXXX and the unadjusted balance since then. I do not trust their accounting at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-03
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: COAST PROFESSIONAL INC
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My student loan has been dischargXXXX due to the Borrower Defense law set in place by President Biden. And Today I received a refund of money which is great, however, The Department of education still didnt pay me my full reimbursement back. The total they owe me is {$14000.00} dollars and cents. And Im looking forward to a full pay out immediately.

If refused, COAST Professional , Inc. as well as the U.S. Department of Education will be in violation of 15 USC section 1611- criminal liability for willful knowing of violations. ( Faults and misleading denial of my own credit ). 18 USC Section 1001- falsified information. 18 USC Section 241- conspiracy against rights.

12 CFR section 226.13- Billing error resolution.27 15 USC Section 1692j- false and deceptive forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I noticed Sunday XX/XX/2019 that funds were being taken out of my account for about a mouth and I didn't notice till 3 charges of {$500.00}, {$510.00}, and {$550.00} were made in the same day. Turns out funds had been charged that added up to $ XXXXover 3 or 4 months. I was very upset and called my bank ( Bank of America ). They assured me would be taken care of and refunded back in to my account. I did not authorize these charges. They told me funds were transferred to a cash trading company. Someone using my debit card information to transfer money from my account to a company called XXXX XXXX XXXX which I did not open or have an account with this company. I called this company and they would not give me any information of account and how funds got there or where they went except to tell me the funds were moved by transferring cash and bitcoin. My funds in my Bank of America account were stolen from me to this XXXX XXXX XXXX and my bank has denied me fraudulent reimbursement. I want the fraudulent stolen funds refunded back to me. I have notified the police and have canceled my old debit card and received and new one. All of this was done electronically without my knowledge, conceit, or approval. I never signed or approved any of these transactions and I need a chargeback or funds returned back in to my checking account.

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 2022-10-15
Company: EQUIFAX, 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 XXXX account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 2021-04-03
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I consolidated my student loans in XXXX with Direct Loans through XXXX XXXX XXXX. The loan was then transferred to XXXX XXXX XXXX via XXXX in XX/XX/XXXX. XXXX fulfilled the drop in interest rate to 4.125 % after 24 consecutive months of timely payments resulting in monthly payments of {$350.00}. I qualified for an economic hardship forbearance from XX/XX/XXXX to XX/XX/XXXX, at which time XXXX raised my interest rate to 4.375 %. I paid interest payments only during that time. At the end of the forbearance, XXXX sent a bill for {$2600.00} in remaining interest, which I paid in full. I then signed up for EZ pay automatic student loan payments, which dropped my interest rate back down to 4.125 %. The loan suddenly increased by over {$5000.00} and the payments then increased to {$520.00} per month. I paid {$100.00} to principal on XX/XX/XXXX and XX/XX/XXXX, which were credited properly. I received a 1 % drop in interest rate after 36 consecutive timely payments, dropping my interest rate to 3.125 % and payments to {$450.00} per month. Sallie Mae took over my loans around XXXX and changed names to Navient in XXXX. Auto-debit was set up with Navient and payments of {$450.00} were taken from my account on the first of each month. Despite paying this loan consistently on the 1st of each month, as an automatic withdrawal, extra payments sent were applied to interest and principal both or only to interest. I recently called Navient to have them explain this to me and they told me this was happening because I had outstanding interest charges. I asked how this could possibly happen with consistent on-time payments and the rep could not explain it to me. She did say that if I paid the outstanding {$15.00} in interest, that all future extra payments would be applied to principal. I paid the {$15.00} that same day by having the rep complete a bank draft on XX/XX/XXXX. On XX/XX/XXXX, I made an extra payment sent in with a letter asking that it be applied to principal only and the payment was applied to both interest and principal despite my express request. I am not sure what is going on with Navient, but there is something that just isn't right. I have made over {$4500.00} in extra payments since XXXX and none of them have been applied to principal only. I also think there were some extra funds erroneously applied to my loan by XXXX after the forbearance. I would appreciate some help in evaluating what is happening with this loan and why I keep incurring interest fees despite consistently timely payments. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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 never consented to authorize nor benefited from the following Accounts and Inquires, Block and delete them. If i have received goods and services from the furnished Accounts and Inquires, Let Experian have one of their senior executive certify under the penalty of perjury that i did received good and service from those transactions.

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 2022-03-16
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a bill for a indigo credit card which i never applied for and was charged fees for a card i don't have and account i never started

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: WI
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:
around XXXX of 2021 I started a a dispute with experian due to Nebraska XXXX XXXX reporting inaccurately Nebraska XXXX is reporting under a bankruptcy I have also disputed the bankrupcty with Experian and Experian is validating information from a third party source I contacted Experian after the dispute was unsuccessful and explained that Nebraska XXXX XXXX was reporting inaccurately and they stated I needed proof that the bankrupcty was not mines I tried explaining that I contacted the court house attached to Nebraska XXXX XXXX and was told they dont release information to the public and Experian stated that the information was validated by a third party source

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