BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had my transmission fixed, at XXXX XXXX XXXX XXXX, in XXXX AZ and I was told that I would be able to use the promotion, that I wouldn't have to pay interest, for XXXX year, since it was a large purchase. I was hit with a large interest, for the past couple of months. I spoke to Synchrony car care and they told me to speak with the merchant. I called and spoke to XXXX XXXX XXXX, they told me that it was the problem with the credit card company and I would have to contact them 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 explanation
Consumer complaint received 2023-03-24
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
I contacted WELLS FARGO CARD SERVICE about reporting late payment after account was paid in the amount {$420.00} in XXXX. WELLS FARGO CARD SERVICE still reporting late payment as recent as XXXX. This card was closed and paid off years ago. However Wells Fargo has been reporting late payments as an closed account. I do not have any late payment because I closed this account out years ago. I dispute this action back in XXXX and in XXXX. No action was taken and they continue to report late payments.

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 2021-12-29
Company: HireRight Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
hello My name is XXXX XXXX XXXX I recently received my employee background check. 
HIRE RIGHT REQUEST NUMBER # XXXX I see there is a criminal record reporting back from over " seven years '' ago on my report. 
how can this be? 

I searched through XXXX XXXX and there is nothing in database regarding me. 

I feel there is an error in the reporting. 
Where did this record come from? 
Please furnish me the source so it may be corrected that record does not belong to me. 
nor does it belong on my Report. 
Also did this come from the Clerk of Courts or from a third party Data Furnisher?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This account was closed earlier this year by the bank due to inactivity. 
I contacted the bank and told them that all TJX stores and online were closed due to the Covid 19, they still stated that after 6 months of inactivity the account closes. 

They made me go through re-Appling when they had just increased my limit to XXXX. 

Then they open a smaller account with a XXXX limit. 

However on my credit the old account is still showing open. 

I have written to the bank and they have no fixed this. 
I have called and asked for this to be fixed and it still reflects this information. 

This is my car care old card, it sits dormant in dispute mode and need to be marked CLOSED XXXX. 

I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.

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 2023-12-14
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Aidvantage put me into administrative forbearance without my authorization after I completed my application for the SAVE plan. Prior to this, I was confirmed in Autopay and had a .25 % interest rate reduction benefit, as I am actively paying down my loans as quickly as possible. I have an email/documentation confirming this benefit from them on XX/XX/XXXX. When they put me into administrative forbearance without my authorization on XX/XX/XXXX, the interest rate reduction was eliminated and my loans were accruing interest at their established rates again. I called and emailed Aidvantage, and spoke with them regarding this, and they advised me they would remove the forbearance and put me back on Autopay to allow for the interest rate reduction since I did not authorize this forbearance. They put me back into repayment on XX/XX/XXXX, which I have documentation of. The very next day on XX/XX/XXXX, they put me back into forbearance and again revoked the autopay .25 % interest rate reduction. I have emails/documentation of all of these occurrences. I called again on XX/XX/XXXX to check on the status of my SAVE application and request a credit/refund for the additional interest that accrued during this time at fault of them putting me in administrative forbearance. I waited XXXX hours on hold before the Aidvantage employee told me she was going to open a case and I would be contacted later. Today, they notified me that my case is closed, stating, " Your loans were in an Administrative forbearance while your Saving on a Valuable Education ( SAVE ) plan was being processed. The forbearance ended on XX/XX/XXXX. Auto Pay, along with the 0.25 % interest rate reduction aren't active unless your loans are in a repayment status ; therefore, both were placed on hold while your loans were in forbearance. I apologize foe the confusion. 
Best Regards, XXXX, Loan Servicing Specialist Aidvantage - Official Servicer of Federal '' This has been an extremely unpleasant and frustrating experience. All of this has been done without my authorization, even after I took active steps to negate their unauthorized activity. I plan to notify as many governing bodies as possible to discuss Aidvantage 's negligence, unprofessionalism, and illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is to dispute the accuracy of the below listed accounts. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information on my personal credit report.

Attached is a copy of my 3B credit report showing XXXX student loans being reported by your servicer. Upon examination of the attached 3B credit report you will see there is a plethora of inaccurate, incomplete and missing information being reported across all three credit bureaus. This is a violation of my rights under the Fair Credit Reporting Act. I demand that you fix all incongruent information immediately and report identical information to XXXX, XXXX and XXXX. Please fix the following for each account : last updated, balance, all payment history, closed date, last activity, terms, scheduled payments, account number and comments. All information should be identical across the three-credit reporting bureaus. 

Thank you for your immediate attention to this matter. I look forward to seeing this information update promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: United PanAm Financial Corp.
State: AZ
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:
XX/XX/2021 united auto credit co made an inquiry that was unauthorized by me I contacted them and they told me it will be removed within 30 days It has been 120 days and it is still on the report. 


XX/XX/2021 XXXX XXXX made an inquiry that was unauthorized by me I have been unable to contact them at all to talk about why it has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: WELLS FARGO & COMPANY
State: CA
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:
In XXXX and XXXX I contacted Wells Fargo banks credit card services fraud and disputes department and filed a fraud claim with them ; my credit card limit was {$11000.00} and then someone stole my identity and compromised my Wells Fargo credit card. When I contacted Wells Fargos credit card fraud department to file a fraud claim, I was advised that the claim had been filed and that I would not be responsible for any fraudulent changes made to my credit card. Wells Fargos negligence in NOT opening a fraud claim or Putting a complete stop on the credit card has resulted in Wells Fargo filing a collection law suit against me and without me knowing. In late XXXX Wells Fargo bank went to court and requested from the XXXX XXXX county superior court in California that the court favors Wells Fargo bank and file a judgement against me for money that I did NOT owe Wells Fargo bank. My credit limit was {$11000.00} and because Wells Fargo did not file my fraud claim and identity theft claim properly ; the person or persons who had access to my Wells Fargo credit card had fraudulently charged over {$30000.00} in fraudulent charges. On XX/XX/XXXX I received a letter from my employer that Wells Fargo bank had a wage garnishment and a levy on my wages. Since XX/XX/XXXX Wells Fargo has been deducting money from my biweekly wages and has had a wage garnishment order to withhold funds from my paychecks. This has caused me severe financial problems and has put me and my family in a situation to where we could barely eat or have a place to live. I have filed a claim of Exemption but it was denied by the court because Wells Fargos counsel of record had lied and continues to lie to the court that I was responsible for those fraudulent charges. I am planning on filing a motion to vacate the judgement and provide the court with ALL the physical evidence that I have showing and proving that I contacted Wells Fargo over two years ago regarding the fraudulent charges. How can Wells Fargo allow someone other then myself to make those fraudulent charges and allow the credit limit to keep going beyond the LIMIT of {$11000.00} that I had. Wells Fargo has also since sent me two settlement checks because of deceptive law practices and also allowing other individuals to apply for a checking account, savings account and a credit card account without my knowledge. I am requesting that this agency publish this for the world to see. If Wells Fargo does not cease all collection and wage garnishments from me, I will post this to every social media Platform to expose Wells Fargo and notify everyone of theirs unlawful business and collection practices.

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 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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. I am never been late on this account.

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 2023-05-15
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: 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 2018-04-28
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
My federal student loans through Sallie Mae were being serviced through Navient in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed full time student with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XX/XX/XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by Navient that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XX/XX/XXXX in XX/XX/XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted Navient and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that Navient placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 Navient accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being Navient. Navient has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-06-15
Company: EQUIFAX, INC.
State: MI
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:
Equifax is showing the following Inquiries on my credit report, I have reached out to them asking for a full investigation and proof that these in fact belong to me and i have yet to hear from they its been over 45 days i just want them removed from my credit file if there is not proof that i submitted my information for credit with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXXXX/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 2023-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion is reporting unauthorized and even duplicates of unauthorized hard Inquiries to my report this is a violation of my consumer rights. This is also a violation of fcra requirements of a Consumer reporting agencies. This is harming my creditworthiness and a breach of my information rights. This is fraud and identity theft I demand Transunion delete all unauthorized and duplicate inquiries on my report to restore my name, image and. Creditworthiness.

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