BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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  15 U.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish Amy information relating to a consumer to any consumer reporting agency if the person knows or has reasons to believe that the information Is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-08-26
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Today XX/XX/2021 around XXXX central time I returned a voicemail about student loan forgiveness program that I qualified for. XXXX. They left agent ID # s. They knew I had 2 student loans and 1 was a parent student loan. They texted me a security code on my phone that said : FSA : Your FSA ID temporary secure code is XXXX. Enter this online within 30 minutes to continue account recovery. Do not share this code.I had to verbally tell the agent this number over the phone. 

They said 0 % interest for 240 months and then loan forgiveness. 

I thought it was a scam so I said call back tomorrow. 

Please help. I think my identity is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NJ
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 Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This goes back years and there are many bad debt collection practices they have tried to use. In XX/XX/XXXX XXXX I was served a summons for debt. I did not know what this was for. I went to court on XXXX XXXX, XXXX. The judge advised I contact the debt collector BC Services to resolve the issue. I contacted them the same day. I was told this was for medical debt and had assumed it was from after I had given birth in XXXX XXXX. At this time I told them I was not working so I could not set up a payment plan as I had no income or money to give them. I asked multiple times if there would be a judgement against me they assured me there would not be. I asked if I needed to contact their lawyer to make sure there wouldn't be a judgement they told me no they would take care of it and that there would be no judgment against me. Then in XXXX XXXX I received notice there indeed was judgment. So they lied  to me. I called them immediately and asked them to fix this and they refused. I told them I would pay nothing since they were using false debt collection practices. Fast forward to XX/XX/XXXXXXXX XXXX my work notifies of a garnishment from them. They can't collect because at the time I'm making minimum wage. My boss wants to encourage me to make a payment plan so they can give me a raise. I'm still skeptical because this company has already lied to me before. My boss insists. I call BC Services and request more information on the debt because it has never been verified as mine and set up a payment plan so I would not garnished. Well all they ever sent me was an invoice type paper. Still did not verify the debt was mine. In XXXX XXXX I called again to get verification again and asked specifically for proof this debt is mine. Paper work with my signature showing I agreed to pay any bills for what they say is my debt. They were hostile on the phone and said well its your name. That doesn't prove it is my debt. They once again send me just an invoice type paper with no proof but they did prove it is not my debt. On the paper it says the account is for an XXXX XXXX. My name is not and has never been XXXX XXXX. So why they are trying to extort me for money for debt that is not mine but somehow has someone else 's name on the account. They have no proof the debt is mine and will not send any valid proof it is mine. Was I nave and set up a payment plan yes I was because they wouldn't work with me and provide the information to me. They had the upper hand though because they got a false judgment against which allowed them to garnish my wages if I did not make payments. It is illegal what they did and they are required to prove the debt is mine. Instead they sent me a paper that proves it is not mine.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXXXXXX - XXXX and XX/XX/2021. Inaccurate reporting of late payments. Account was in forbearance due to XXXX XXXX. See attached letter confirming.

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 2022-12-27
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a mail.from XXXX felt and XXXX XXXX XXXX XXXX XXXX XXXX a disputed and removed account stating I authorize a XXXX part to get a credit card on my name which I never authorize, I reported to XXXX XXXX identity theft and the address which statements sent to me by XXXX XXXX an address I don't live and I don't know nothing about the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
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 submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights.

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights.

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit. 

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit. 
I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective 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

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-15
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
WELLS FARGO ATM MACHINE TOOK THE {$300.00} WITHDRAWL I REQUESTED. I TRIED TO DISPUTE THE CHARGES WITH WELLS FARGO AND MY CLAIM WAS DENIED. 

i WAS CHARGED THOUSANDS OF DOLLARS FOR OVERDRAFT FEES SINCE I OPENED MY ACCOUNT WITH WELLS FARGO BANK.

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 2018-11-26
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I tried to access my free Equifax credit report via XXXX. Like last year ( XXXX ), I did not get my report but someone else 's when I tried. I've emailed XXXX  and called Equifax. This issue has never been solved. The confirmation number XXXX gave me is # XXXX if this helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: MA
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 demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following inquiries be verified or removed immediately : 1.The following inquiry is not mine XXXX  Please remove it from my credit report.

2.The following inquiry is not mine XXXX  Please remove it from my credit report.

3.The following inquiry is not mine XXXX XXXX Please remove it from my credit report.

4.The following inquiry is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

5.The following inquiry is not mine XXXX Please remove it from my credit report.

6.The following inquiry is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C. 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information.

* ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2020 during the pandemic Covid 19 I applied for a motivation after a divorce where I was awarded the property. Both Attorny advised me & my ex husband that he was not on the deed. They contacted the deeds office in our presence. My modification was approved after I successfully completed the trial payments. The repress of Shellpoint mortgage who handled the modification, continuously asked for additional documentation. The final and ONLY document that I was unable to provide was the stamped quit claim deed from the Recorder of Deeds office because ALL offices were closed to protect their employees from the deadly virus. Shellpoint Mortgage Servicing rescinded the approval and denied the modification. 

XXXX XXXX  did a modification in approximately 2006 and my ex husband refused to sign the closing documents. I suspect that they forged his signature on the closing documents. 

I appealed Shellpoint Mortgage decision and was still denied. I advised XXXX to motion the case into court because I felt discriminated. They did not do as I asked. I was informed by the attorney that filing a complaint may hinder me from getting my modification or my issues resolved. In turn, Shelllpoint transferred the mortgage to XXXX XXXX immediately after they denied the modification. XXXX XXXX spoke to me several times then denied to speak with me because I was represented by an attorney. XXXX has continuously denied my modification stating my income isnt adequate and I make more than I did previously. I am currently providing XXXX additional documentation and feel discriminated as they continue to deny me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I did file my tax jointly with my spouse, and we were expecting the first and second stimulus packages with the returns. I noticed an account number that was neither mine nor my wifes and I immediately brought it to the preparers attention, and he said he will sort it out immediately. I kept following up with the IRS for over XXXX months until I was told in XXXX that the refund had been paid way back in XXXX on the XXXX and XXXX, to a bank named XXXX Bank in XXXX XXXX. I was given the details and I obtained the Banks phone number and gave them a call. After so many attempts, I was told they had transferred what was due me to Bank of America, to the same account the prepare had used which was none of ours, and which he said he would correct. I immediately went to Bank of America with this information, and it was confirmed. To my shock and horror, I was informed by the Bank that the XXXX Stimulus package for myself, my wife and my son was also paid into this incorrect account. The monthly Child tax credits were also being paid into this same account. I requested XXXX Bank make a recall of the transfers and they confirmed that they had done that on the XXXX of XX/XX/XXXX. I went back and forth to Bank of America XXXX times and almost every time I was kept on the phone speaking to numerous staff but every time I was told they would get in touch with the account holder to get the funds out of his account since they can not pull it out of his account. I did find out the wrong beneficiary account holder 's name, phone number other details and gave the same to the Bank of America. Later in XXXX, I got a check in the mail for {$490.00} ( The sum for XXXX of the payments ) and XXXX Bank confirmed that Bank of America reversed only XXXX of the XXXX transactions. In total there were XXXX checks totaling about {$15000.00}, all XXXX stimulus packages for my son, my wife, and myself inclusive. I spoke to the IRS and I was told that the cheque would have been returned if the name and account numbers do not match. All efforts to get Bank of America to contact their customer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, have not been forthcoming. Bank of America promised to get back to me when they get in touch with their customer but I have not heard anything from them since XX/XX/XXXX. My account no is XXXX with Routing number 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 2023-03-15
Company: EQUIFAX, 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 greatly appreciate you removing a portion of the fraudulent items off of my Credit File but I believe you still report a portion of the disputed items that resulted due my identity being stolen. I am requesting you to please comply with the Fair Credit Reporting Act section 605b and have the disputed items deleted off of my Credit File as soon as possible. I have read that under the provisions of the Fair Credit Reporting Act section 605b, as the Credit Reporting Agencies, you are required by Federal law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, I request that you send me copies of proof of verification or any documents you might find bearing my signature to support such claims. If you found no documents, immediate deletion of the disputed items is to be expected. Once again, I am requesting you to please remove the following items off of my Credit 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

Company response to consumer: Closed with explanation