BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Signed up for Auto-Debit in XX/XX/ on my student loans that were transferred from MyGreatLakes to Nelnet. This was reflected in my account, and showed upcoming payments for all my loans. When the first due date came around, the auto debit did not trigger, and they have levied a late fee on top of the past due amount. Unable to reach customer service due to inordinate wait times and disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Followed instructions to submit documentation to change my IDR plan. They say they haven't received it. I've been on hold for XXXX hours to fix this and they won't pick up the phone. This is a XXXX loan servicer, and they're incapable of servicing federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2020-08-18
Company: DISCOVER BANK
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 have a loan with DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a loan with XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. It's been more than 8 months and you have never given me any response to my request to validate the debt and its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 Santander sold my account to XXXX XXXX. 

During this time Santander knew they were dealing with a multi-state Class Action Lawsuit for predatory lending. Furthering the actions that caused for them to be sued, in order to not have to pay out as much, it seems they sold my account to XXXX XXXX. The amount of the debt is {$10000.00} for a car that I no longer have, and have more than paid for in total payments within the initial contract. In lieu of clearing the deficiency, they sold the debt to a debt collector and paid restitution from the amount they received. Its very shady

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Waypoint Resource Group, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I check my credit and show a collections items is not mine, I request a validation of this debts since I need more information to file a police report the collections agency verify with XXXX and XXXX as my account, but never mail any notification validation of this debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My husband, XXXX XXXX XXXX, passed away on XX/XX/2019 ; after his death I found several credit cards in that I did not sign up for - in my name. The credit card 's statements were being sent to one of my husband 's P.O. Boxes and I did not know about the credit cards. 

I have been contacting and informing the credit holders of the accounts fraudulently opened in my name ; in several instances the signature, handwriting, address, and phone number, were not mine, but were all of my late husband. Minimum payments were coming from my husbands accounts so he very well knew about it ; and evidently kept it hidden from me. 

After submitting a claim, Walmart/Synchrony Bank deduced that my husbands signature, address ( P.O. Box ), phone number are all mine, and I was an authorized employee on these accounts. I never knew I worked for my husband. Walmart/Synchrony Bank has now sent one of two accounts I did not open to debt collection.

I wish to petition the Consumer Financial Protection Agencys help in resolving this issue with Walmart/Synchrony Bank ; as their determinations are unjust. These accounts were fraudulently opened in my name, I've never seen the credit cards or statements - until my husband passed away. 

The account details are listed below : Walmart/Synchrony Bank XXXX. XXXX  XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance XXXX {$680.00} Walmart/Synchrony Bank XXXX. XXXX XXXX XXXX, Ga. XXXX Account Number : XXXX XXXX XXXX XXXX Balance :????

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 2019-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX  ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ),  XXXX XXXX XXXX ( ORIG  CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
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:
These 3 accounts are not mine. Please remove it. Thank 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
Consumer complaint received 2023-10-02
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So far I didnt paid about {$11000.00} towards my {$17000.00} loan and theyre still stating that I owe the same amount. I try to talk to the supervisor to get where am I payments are being applied and they sent me a paper where it looks like they just typed up an amount to make it look right and even on that paper the amount is still not even right, Ive been getting harassing phone calls every day before XXXX oclock in regards to this loan I told the lawn service to stop calling and harassing me and they consistently do it without any regards to my request I was bought I bought this car on XXXX, pretenses of what the auto dealer lead me to believe and really I was scammed and fraudulently, misled by the dealership of what I was applying for in the outstanding balance that would be applied to my account Something needs to be done about this. It is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a prior complaint against Fifth Third Bank, # XXXX, that was closed because they responded. Although they responded, I still have not been given the information I requested which is to have someone go over my account with me over the past year or, send me the information showing mortgage and escrow payments made with a balance after each transaction because I am alleging that one or more of my escrow payments may have been misapplied or not  applied at all. In her XXXX XXXX, response to my undated letter, a copy of which I also sent to CFPB, Ms XXXX XXXX stated that A letter providing more information will be mailed to you at the address on file within fifteen ( 15 ) to twenty-five ( 25 ) days, which I do not under stand why it would take almost a month to sent me the payments and balances made on my account over the past year. I have yet to receive any information from Ms. XXXX. I believe I have been patient and waited long enough for information that should be electronically accessible. Fifth Third Banks responses are so apologetic but that is not what I am looking for. They need to do better. What I am looking for is a history, over the past year of mortgage and escrow payments with a balance after each transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer to rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I never used my credit to apply for any car loans or credit cards. I never gave any of these companies to run my credit report for loans ; car loans ; and all other hard inquiries. 


U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERA to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTR consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE + to report anything on my consumer report which violates my rights as a federal proted consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-05-24
Company: Early Warning Services, LLC
State: VA
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:
TO WHOM IT MAY CONCERN I recently received a copy of my Early Warning Services report, and I noticed some information that has not been removed according to XXXX. I have received an email from XXXX stating that you guys remove my information from Early Warning Services. 

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Remove the information from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}

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 2023-10-02
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/23. I have asked them for the contract that was signed with my wet ink signature and the billing statement and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was closed I would like a copy of the full balance at the time of closing my account from checking and saving and the correct things only reported on my filed there reporting the account is still open I would like to also know why it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime wants to know where my funds were coming from into my accounts which i provided that i was simply transferring funds to my accounts because i didnt have cards to access XXXX of my other banks they put my account on hold and then closed it stating i couldnt get my funds because i didnt verify i was the one moving the funds i cant verify anything i dont have. This is the second time i have gone through this with chime

Company response to consumer: Closed with explanation