BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: OH
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX : XXXX XXXX Account XXXX : 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 an 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 or 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 explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: IL
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 my credit report there are multiple errors reporting from the company XXXX XXXX  XXXX. XXXX being that the account has been charged off in XX/XX/XXXX with two different balances XXXX  balance of {$4000.00} reported to XXXX  & Experian & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX  reports XX/XX/XXXX, Experian XX/XX/XXXX, XXXX  XX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX  & Experian where the last payment with XXXX  is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.

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 2023-12-18
Company: EQUIFAX, INC.
State: GA
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2021-08-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i am paying off loans ro Navient Corp a predatory lender since 2008. Very little money has gone to the principle of the loans most monthly payments were applied to interest. My loans have mushroomed to {$150000.00}. I am XXXX XXXX XXXX and struggle on social security to pay off loans. 

I requested a statement of all payments applied to loans since inception in 2008. I have 6 pages of payments and more money has gone to interest than to the principle, which means if this continues I will not be able to pay loans off in my lifetime. Also Navient under reported Intrest paid on loans yearly to IRS. Causing me to pay more in income taxes. 

I need Navient to apply payments correctly as stated on their web site, I also need forgiveness of loans related to the nymber of years I have been paying them and the intrest is above usuary standards. I would get a better rate from a loan shark. 

Action : I have applied for income based repayment and spoken to reps who have n clue what Im up against.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-03-28
Company: Kriya Capital, LLC
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: Investigation took more than 30 days

Complaint:
I filed a dispute with the company in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: Affirm Holdings, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
loan issued on XX/XX/XXXX in form of prepaid debit visa card in the amount of XXXX loan paid in full on XXXX XXXX.part of the merchandise from the order was never received in the amount of XXXXafter no resolution i disputed with my bank. they reimbursed me. affirm put the balance back on my account and stated that i never paid it and that i received the merchandise. i have made 26 loan transactions with this company, totaling over XXXXf in loans. all have been paid in full way before due date.my payment history is impeccable. Why would i lie and state i didn't receive the merchandise it has been almost 2 months since i ordered. now they are reporting that the loan is past due as f XX/XX/XXXX. when i called today they stated its still unde review and dont worry about what is being reported. this is derogatory and will hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Talbot, Adams, & Moore, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
issue started with   XXXX   in  XX/XX/XXXX  / XX/XX/XXXX  and  several collection companies. finally after years of being harassed I got it taken care of thru your agency. But like a bad dream it is back on as a new credit card collection syarting in  XX/XX/XXXX  an d companies are harassing and threating me. I had documents from  XXXX  that were destroyed in hurricane that was letter from company back years ago stating not mine. it is now being reported as new collection from several companies.  One company is  XXXX /spears Dewitt  hall  XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   tx  XXXX   XXXX  in my old file with you last year is a copy of the letter from them.. this account is over  9 years old  and continues to come back and ruin my credit. please contact me asap  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon conducting a thorough review of my credit file, I have discovered the presence of unauthorized inquiries that are being reported on my personal record. It is evident that XXXX, and TransUnion Credit Reporting Agency have failed to comply with the regulations outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continue to report unverified information without providing the necessary legal proof required by law. These credit reporting agencies have not fulfilled their obligation to properly identify and furnish verifiable proof within the mandated time frame. I would like to emphasize that the reported inquiries are inaccurate, and I have never authorized any party to access my credit in such a manner. Despite repeated requests, the credit reporting agencies have failed to provide me with written authorization or take the necessary steps to remove these inquiries from my credit file. Therefore, it is imperative that the following inquiries be promptly removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Given the circumstances, I am highly doubtful about the accuracy of these inquiries. I expect a timely resolution to this issue, and I trust that you will take the necessary measures to ensure that my credit information is protected and accurate.

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 2021-08-03
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I reached out to Loan Depot in early XX/XX/XXXXabout going on a Forbearance plan due to Covid-19. I was approved, and as you can see from the documentation, the forbearance plan was to begin on XX/XX/XXXX. However, the company still processed an automatic withdrawal from my bank account in XX/XX/XXXXfor my mortgage payment, despite the fact I was on a forbearance plan. I reached out to Loan Depot and was told nothing can be done, which I feel is unfair and against the point of the forbearance plan. Please note that the date on the attached letter from Loan Depot is NOT the date I contacted Loan Depot about needing a forbearance plan. If they knew there was no way to cancel the payment their system processes, they should have began the forbearance plan in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2023 I was texted and called from Wells Fargo 's phone number from a scammer who had my online username, full name, phone number and bank account balance. I was told my debit card was declined at a XXXX XXXX in Texas and asked if I had authorized this. He then said there was a wire trasnsfer of {$4000.00} initiated and asked if it was authorized. I, of course, said no. I was then sent several verifcation texts from Wells Fargo 's phone number and was asked to text my password as well. This ended up being a scam. The scammer trasnferred {$4000.00} ( plus wire fee ) of of my checking account. I called Wells Fargo while it was pending and asked them to reverse/and or freeze the transfer. They said that they would initiate an investigation and let me know in about 10 days what they had concluded. Despite this being a fraudulent, unauthorized transfer, they have sent me a letter denying my claim. If the bank is federally insured, why am I not getting my savings 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 2023-05-24
Company: Experian Information Solutions 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:
id theft victim. These accounts do not belong to me. Please remove them from my report asap. 

XXXX XXXX. I have never had an account with XXXX or had a credit card with them Account number XXXX balance XXXX XXXX XXXX I dont have an account with XXXX XXXX Account number XXXX balance 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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with The Fair Credit Reporting act XXXX  Account # XXXX, has violated any rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-01-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This is good news your compensation fund is ready for you to receive, XXXX XXXX XXXX XXXX Federal Reserve System XXXX XXXX this is the 3rd time federal reserve bank management is sending you this notification letter regarding your fund under JP Morgan Chase bank custody This is good news, the sum of US {>= $1,000,000} was approved in your name on XXXX XX/XX/2023 for compensation as a scam victim, The total amount XXXX {>= $1,000,000} is a compensation fund from XXXX XXXX XXXX XXXX done by XXXX XXXX and to XXXX XXXX and XXXX XXXX and XXXX and XXXX scam victim and note you will be receiving the sum of {>= $1,000,000} in any option you prefer is easy and fast for you to receive the total US XXXX Your urgent reply is needed for more information and it will help us affect the release of your fund without any more delay and remember you have 48 hours to claim this total US {>= $1,000,000}. and fail to claim the fund after 72 hours JP Morgan Chase will move the total amount XXXX {>= $1,000,000} to federal reserve system is the central banking system of the United States of America, Available opens to release the total {>= $1,000,000}, XXXX, Bank to bank wire transfer, XXXX, Opening online banking account on your name, XXXX, register and open bitcoin wallet address on your name XXXX, ATM master card You remember each option has rate charge to pay before the total amount release reply back for more information only if you are interested to receive the fund okay Yours Sincerely, XXXX XXXX, Reply this customer care email ( XXXX ) Welcome to 2023 bless time,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Blackhawk Network Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
The visa " gift card '' I purchased to specifically use for an online purchase was declined. When I contacted customer service, I spoke to  XXXX . I asked him as to why, I was informed it was because the card was not registered. I then hung up and went to register the card. I then attempted to make an my online purchase again. The card was declined  XXXX  additional times. I called customer service again and I spoke to  XXXX .  XXXX  informed me that it was because the company I was trying to make my purchase with was flagged. I asked  XXXX  what does that mean?  XXXX  said that Blackhawk was investigating that company. I then asked  XXXX  if there was certain businesses that Blackhawk refused to do business with, why was it not plainly written on the package upfront so the consumer was aware. He could not answer my question. I then asked  XXXX  to put me through to his supervisor. Af ter 15 mi nutes of waiting, a supposed supervisor by the name of  XXXX  came to the phone. I posed the same questions to him.  XXXX  told me that Blackhawk did not do business with that company because it was under " their '' investigation. He could not give me a timeframe of that investigation because he does n't know. I asked him what I was supposed to do being that I was not informed that Blackhawk does not do business with certain companies prior to purchase of the gift card.  XXXX  suggested that I use a competitor gift card provider instead. I told  XXXX  that indeed I would do so next time. I then asked  XXXX  to speak with  XXXX  's manager and asked what was  XXXX  's manager name.  XXXX  refused to put me through to his manager and refused to tell me his manager 's name.  XXXX  was extremely rude with his rebuttals and refusal to provide me " the customer '' with any information. I told him that I would file a complaint with someone and he told me to go right ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: GOLD STAR MORTGAGE FINANCIAL
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
In XXXX  I applied for a Loan on a Home. Goldstar Financial corporation Group was the lender on the Mortgage Agreement for a Loan of XXXX My records show NO LOAN WAS EVER GIVEN, BY CHECK, NOR A WIRE TRANSFER TO MY BANK TO FUND THE LOAN TO PURCHASE THE PROPERTY. 
This is a clear case of BREECH OF CONTRACT/FRAUD IMPOSED ON ME BY WAY OF A DECEPTIVE PREDITORY LENDING CONTRACT USING MISLEADING WORDS PURPOSELY DONE. I ASKED FOR ALL DOCUMENTS, ORIGINAL PROMISSORY NOTE, ALL ACCOUNTING LEDGERS INVOLVED IN THIS MORTGAGE, PROOF OF ACTUAL LOAN BY WAY OF ACCOUNTING LEDGERS. 
PROOF THAT I OWE THEM ANY MONEY WHICH I'VE BEEN PAYING TO THIS LENDER FOR YEARS NOW. AFTER SOME READING AND STUDYING I FOUND THEY NEVER LOANED ME ANY MONEY AT ALL ON THIS PURCHASE OF THE HOME I CURRENTLY LIVE IN.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of tems which do not belong to me or were opened without my permission. 
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 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 XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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