BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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: Reporting company used your report improperly

Complaint:
XXXX XXXX Account # XXXX is reporting blatant inaccurate, inconsistencies on my report and according to the FCRA Statutes 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Navient Solutions, LLC.
State: RI
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:
I had Navient and the loans were discharged to me in 2006. I have gotten valid information that there was a multi state settlement reached for those serviced by this company. Navient Solutions had my loan transferred from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. They then had it and I have correspondence from them. I underwent a monthly payment program of consecutive payments, intended to help if successfully completed. 

I received a coupon book with the tear off portion, and I completed the number/cycle of payments successfully, but then things got confusing. There was a servicer transfer to XXXX, from Navient, as of current. This particular lawsuit against Navient, however, that several state Attorney Generals litigated for, and got compensation for is something that based on my circumstances, I am eligible for. 

However, to date, with trying to get to the right agency, there has been further confusion, because through all my efforts, I kept getting nowhere and where I'd contact would " pass the buck. '' I have correspondence from Navient that I can forward to demonstrate that I was under them before their transfer to another company. They were the ones under which they discharged the loans, and my account was overlooked and as such, I am requesting to be included in the lawsuit that was reached. I went to XXXX College, XXXX, Massachusetts and the loans were for that 4 year term. I would like to have the settlements benefits to its claimants based on my circumstances described in this lawsuit case that the states won. 

The fair outcome to my issue would be for my school loan and account to be the inclusion in the recent Navient settlement. I have corresponded inquiring about this settlement and this complaint is intended to have my case looked at, per the settlement. 

The name of my servicer was Navient, before it was transferred over, but want to be included in the lawsuit based on its merits/ details. I have contacted your servicer regarding this matter, and have reached out to the U.S. Department of Education regarding this issue, but to no avail. I would like your assistance on what steps to take, so that I'm able to be part of the litigation process that Navient was sued for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX : {$2000.00} XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Without my knowledge, my son applied online for a loan. As part of the application, he provided his checking PIN and his personal account information. A fraudster accessed his account using the information he provided in the application and printed a copy of a check that I had written to my son that he had previously cashed into his account. The fraudster altered the check #, check amount and check date and made multiple hand written falsified checks and then mobile deposited each altered check. My bank then cashed these checks. The checks exceeded my account balance and therefore should not have been cashed. Also, I reported the fraud within 24 hours.

To report the fraud I went to my local branch with printed copies of the fraudulent checks. The Branch VP helped file the claim and I was told it would take up to 30 days to get my money back. The fraud took place on XX/XX/22 and I reported it on XX/XX/22 and I still have not been reimbursed. 

I have contacted the bank three times during this period and each time I have been told that it is still under investigation. The bank has never reached out to me for follow-up questions. 

The check that was altered and cashed on XX/XX/22 was for the {$1700.00}. A second fraudulent check in the amount of {$780.00} was also cashed on XX/XX/22, however that one the bank reimbursed me on the day I reported the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/2018, I sent a letter to Transunion disputing various items on my credit report. The letter was recieved by Transunion on XX/XX/2018. I have not recieved the results of any investigation to date. Transunion has failed to comply with the FCRA by initiating an investigation and reporting the results to me within 30 days upon receipt of the dispute.

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 2022-12-02
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$520.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX  XXXX Balance Owed : {$28000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXXXXXX XXXX Balance Owed : {$1600.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: MA
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/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX CO ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$2900.00} ), XXXX  XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$7900.00} ), XXXX ( Date Filed XX/XX/XXXX, Docket Identifier XXXX ), XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-05-09
Company: RentDebt Automated Collections, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent them over 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
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 already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-11-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Prestige Financial S Account # : XXXX Date Opened : XX/XX/2016 No Knowledge of this account. 
I have sent several letters I have asked the company to provide me with copies of the original contract. 

This is the final follow up to resolve this matter. It has been over 30 days since I have heard a response to my 3 attempted letters that has been sent along with a online complaint commission. 

This account needs further investigation and Original Signed Contract needs to be provided as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've corrected this doubtful data multiple times by submitting letters to the 3credit bureaus. I will file a lawsuit against you because I think you failed to validate these enquiries, in violation of Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm bringing it up again. Please get rid of the following questions right away. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-05-21
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payment was made through insurance and company has been informed multiple times but still applying debt not owed to credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Knowing Violation may commence a civil action per 15 U.S.C 1682s ( 2 ) ( A ) I am filing a complaint against you. You are willingly violating Federal Laws by reporting my personal information after I had told them not to. OnXX/XX/XXXX I've filed a complaint about the Laws they violated, and you choose to ignore them and continue to furnish information that is to be excluded. Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Pursuant to 15 U.S.C 1681c ( a ) ( 5 ) Any other adverse item of information is to be excluded from my report which is another FEDERAL violation they have committed. These are knowing violations that will commence a civil action pursuant to 15 U.S.C 1681s ( 2 ) ( A ). I demand as a Consumer/Natural person for you to remove XXXX XXXX XXXX from my credit report! Don't tell me you will contact the data furnisher, the fact is you are in violation of the Federal Law stated above. What they say is irrelevant. Your response will be used as an exhibit if this issue doesn't get resolved. We are tired of suffering because of your unwillingness to comply and don't tell me I'm not the one filing the complaint I am tired of your excuses.

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 2018-04-02
Company: GOLDMAN SACHS BANK USA
State: MA
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:
Goldman Sach hard inquiry from XX/XX/17 that I did not authorize. 
Attempted to call, but reported that they had already completed inquiry so it could not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-09
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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