BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, Consumer, Natural person, wrote a letter to Navy Federal Credit Union addressed to CEO, XXXX XXXX of furnishing inaccurate information, and failing to follow reasonable procedures for ensuring the accuracy of Consumer information, failing to properly investigate a Consumer dispute and issuing or obtaining a Consumer report for impermissible purposes has caused Consumer severe and actual damages for an account that is on Consumer credit report for a number of years as a CHARGED OFF. NFCU continues to act XXXX XXXX XXXX  as if they don't know what account Consumer is speaking of. Along with Consumer letter of them having a duty, the Consumer also sent in the IRS Form 1099 OID is which was submitted to IRS in XXXX. As stated in my letter informing NFCU that they CHARGED OFF the said debt on the REVOLVING CREDIT CARD that was paid in full. IRS Publication 4681 states if NFCU never sent Consumer a 1099 C form but DISCHARGED the debt and according to the IRS NFCU must report cancelled debt as gross income on NFCU tax returns and the IRS clearly define CHARGED OFF as gross or ordinary income which does not get reported on CONSUMER reports, which is fact makes NFCU reporting inaccurate. NFCU reported to XXXX that this debt was a collection and charge off and payments after charge off/collection-paid profit and loss while they reported to XXXX unpaid balance reported as a loss by credit grantor and that Consumer opened this account on XX/XX/XXXX. NFCU decided not to respond to this account # XXXX and instead decided to address an active XXXX XXXX XXXX XXXX XXXX XXXX  account that has never had any issues. 

NFCU requested for Consumer to send : 1. Detailed description of the item and why Consumer feel it is inaccurate 2. Date of the disputed item. 
3. Full XXXX account number in question 4. Copy of the single bureau credit report from XXXX, XXXX and XXXX that reflect the dispute And threaten Consumer stating without this information, in which Consumer has submitted a Notarized and Certified detailed debt validation letter addressed to CEO for DISCHARGED debt and copy of 1099 C along with Damages caused to Consumer [ Exhibit 1 ], Ceast & Desist Letter [ Exhibit 2 ], Invoice [ Exhibit 3 ] and Drivers License [ Exhibit 4 } and Copy of 1099 C [ Exhibit 5 ] that Consumer sent to IRS for XXXX  Estate Taxes. 

Also, the statutory limit for a credit card to be reported under Michigan Regulation and Collection Practices ( Excerpt ) Act XXXX of XXXX Prohibited Acts, NFCU has 6 years from the date of last payment to collect debt. 

Letter from NFCU [ Exhibit 5 ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EdFinancial Services
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: Account status incorrect

Complaint:
My student loans were transferred from XXXX to XXXX on XX/XX/2022. On XX/XX/2022 I received notice that my loans with Fed XXXX XXXX were all listed as closed instead of transferred on my credit report. This caused my XXXX XXXX to drop XXXX points with XXXX and XXXX points with XXXX. I called the XXXX and was advised to send in proof of the credit hit by obtaining a credit report. The credit report does not show credit scores, so that is not an effective solution. XXXX allowed me to purchase my score but there way to provide score history to reflect the drop on their site. The loan should be listed as a transfer since XXXX did not renew their contracts with the U.S. Department of Education causing the loan to be transferred. I need my credit score restored as the servicers were given guidance on how to make the updates so it doesnt impact credit scores. The transfer of my loan should only change the servicer name on the credit reports and not indicated as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: AES/PHEAA
State: AR
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:
XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX  starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I wanted to make a payment on my XXXX XXXX loan. I have been having difficulty signing into account online since XXXX XXXX. When using Truist app on my phone, I get a message, Service unavailable at this time. Try again later. Trying again later over, and over does not improve the process. I tried using the Truist website for online banking. After successfully logging on, I immediately get a message, You have been logged off after 10 minutes of inactivity I never get to an option screen, and I am kicked out. 

On or about XX/XX/2023, I contacted Truist at XXXX for assistance with accessing online banking. After explaining my difficulty for 10 minutes, I am given the opportunity to make a payment. I provide the account number, and then I am told Truist is refusing the payment because the account is more than 30 days late. The account is late because I can not logon to pay. I am also told that online access is probably restricted because the account is late. Approximately, 20 minutes has passed, and I am given another number to call to make the payment, ( XXXX ) XXXX. I insist on help with logging into account using mobile app and/or website, which is why I called. I am given a number to help desk, XXXX XXXX. I am given an offer to create a new password. There is nothing wrong with the password, if I can login. I have spent approximately XXXX minutes, and have accomplished nothing. It is XX/XX/, and I still can not access online banking. 

According to correspondence dated XX/XX/, online banking and mobile app are a benefit. There is no indication that restrictions apply. 

I have updated browsers, and mobile app. I have uninstalled and reinstalled app. I updated XXXX. I ran security and virus checks.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: TX
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:
Hello, I reviewed my credit report and saw an unknown XXXX medical bill from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the XXXX  in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored

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 2018-05-02
Company: EQUIFAX, INC.
State: TX
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:
After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Equifax Information Services LLC, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
WELLSFARGO IS ACCUSING ME OF FILING A FALSE COMPLAINT ON MY CREDIT CARD, SAYING THAT I DID THE FRAUDULENT CHARGES ON MY CARD. WELLSFARGO IS PREJUDICE AGAINST XXXX PEOPLE, UNLESS YOU ARE PRIILEDGED. I HAVE BEEN DISRESPECTED AGAINST BY WELLSFARGO, LIE TO BY WELLSFARGO, ALL BECAUSE I AM A XXXX PERSON. WELLSFARGO IS THE BANK THAT SHOULD BE INVESTIGATED FOR THEIR TREATMENT AGAINST PEOPLE OF XXXX. I KNOW MY CIVIL RIGHTS. THE RIGHT TO A FAIR TRIAL. WELLSFARGO HAS NOT SHOWN ME ANY FAIRNESS. HOW CAN YOU DECIDE FAIRNESS, WITHOUT PROPER INVESTIGATION.

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 2018-05-02
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking over my credit report and saw an account that was placed in collection, and was reported to XXXX. 
I did not opened that account. 
I contacted the collection agency and told them I know nothing about that account, and I need them to have it removed. 
They refused to comply with my request. 
they gave me a name and address of the person who opened the account in my name. 
I do not know this person. 
This person lives in another state. 
This collection agency has damaged my credit by not doing contacting me to verify if I was the person named on the account before reporting to the credit bureau. 
This is a deliberate act to damage my credit, because they never once called or written to me to collect the account they said I owed. 
Furthermore, they knew my name was different from the person on the account. 
So why damage my credit when I didn't opened that account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The purposes of this complaint are to : ( XXXX ) inform LoanCare and/or XXXX XXXX  XXXX  that I went to settlement on XX/XX/2022 and sold my home at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the buyer, XXXX XXXX XXXX XXXX XXXX ) request that LoanCare cease all further foreclosure proceedings since the home has now been sold, ( XXXX ) request that LoanCare remove my former attorney, XXXX XXXX  name and office address as the primary point of contact for my account. XXXX XXXX office address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Her cell phone number is ( XXXX ) XXXX and her office number is ( XXXX ) XXXX. Please note that XXXX XXXX is no longer representing me since the Declaratory Judgment and Order Quieting Title was issued by Judge XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. ( XXXX ) request that effective immediately, all correspondence from LoanCare and XXXX XXXX XXXX should be sent to me at XXXX Smooth XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I can be contacted on my cell phone number at ( XXXX ) XXXX and by E-Mail at XXXX ( XXXX ) request that LoanCare remove the cease and desist notice from my account, ( XXXX ) request that LoanCare remove all fees and penalties from my account retroactive from XX/XX/2022 to present due to submission of my previous request for forbearance on XX/XX/2022, ( XXXX ) provide a copy of my mortgage loan payoff statement to me by E-Mail at XXXX and ( XXXX ) provide two separate invoices for attorney fees, one related to the XXXX XXXX XXXX and a separate invoice related to the foreclosure that was prevented by the sale of my home on XX/XX/2022.

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 2023-10-19
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX claims I owe an amount of {$190.00} to Wells Fargo, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by Wells Fargo, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX  wirh a forged signature. Wells Fargo accepts forgery as true and correct, reversed temporary credit in amount of XXXX XXXX XXXX referred account back to Wells Fargo , advised they would reach out in re, have not heard back.

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 monetary relief
Consumer complaint received 2022-04-18
Company: Avant Holding Company, Inc.
State: PA
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:
A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with Avant , LLC. I did not discover this until months later in XX/XX/XXXX. I contacted Avant to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: AZ
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 hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. If this matter is not addressed promptly and resolved to my satisfaction, I XXXX have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NY
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 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief