BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX , VA XXXX ; XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; VIRGINIA XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a checking account ( XXXX ) with US bank. However they called and asked me to provide documents to show i'm here in the US legally. This is not a legal requirement. Banks often ask to provide documents to verify identity, which i'm happy to provide, but consumer 's do not have to prove their legal status. 

I find US banks practice discriminatory and against law.

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 2018-10-23
Company: Optimum Outcomes, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
OPTIMUM OUTCOMES, INC/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Unfair and Deceptive Business Practices : Maryland law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove these four credits information from my report. I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact Optimum Outcomes to produce itemized statements and signatures that shows why they put my name with XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by Optimum Outcomes. and no office in XXXX XXXX.

I contacted the Optimum Outcome but refused to talk to me. I want to know where they got my name, and I need documentation where I signed for medical treatments. I want to know if XXXX XXXX XXXX is a medical center as claimed by them or billing company and if billing company, I need documentations for what they are billing for and for which doctor.

Remove all hard inquiries on my credit report if no signature exemplar is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I was forced to take out loans with  XXXX   XXXX  when I went to school as I went to  XXXX . No other loan companies would lend to me.  XXXX   XXXX  then sold   XXXX  of my   XXXX   loans to Navient and retained   XXXX  .       Navient has been completely unhelpful in helping me to repay my loan. I have only recently returned to the US and the only " help '' they were willing to offer was to charge me {$150.00} to enter into a 3 month forbearance. Navient will not give me a repayment plan based on my own funds. They say they will use my finances to consider lowering my monthly payment but insist on including my co-signer 's income. My grandmother is my cosigner and lives in another city and is currently  XXXX  in hospital. I also do n't have any faith that they will be reasonable in what they consider to be " lower ''. I am nervous about handing over our financials and agreeing to their program then still being trapped in a situation that I can not manage. In addition to that, Navient claims  that I owe  ~  {$90000.00} on the loans they hold. I do n't understand this because the loans total ~ {$60000.00} in principal and I left schoo l in 2015. I   do n't understand how my loans increased by 50 % in a little over a year.     I have done everything I can. The fact is that I am earn less than {$500.00} a week and supporting myself and my husband. My other loan providers put me on an income driven repayment plan without hesitation but these two companies treat me like I just do n't want to pay. I am only a year out of school. I have finally gotten a job in my industry and I am struggling to put food on my table. The added pressure of Navient treating me as if I am willfully withholding money from them is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Nelnet, Inc.
State: AL
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:
FirstmarkXXXXs extended a loan to a known felon in XX/XX/XXXX with my name unknowingly and fraudulently listed as a co-signor. I sent in a full packet to Firstmark, which they received on XX/XX/XXXX, which included a police report, FDIC fraud report, notarized signatures, notarized proof of my identity, a notarized fraud affidavit, etc. Instead of processing this packet, they demanded more signatures from different dates, although they had no signature from the felon to compare them to. I did send in several more signatures in XXXX, yet they have still failed to remove my name from this fraudulent line when I filed several disputes with the credit agencies, and they are also refusing to remove a hard inquiry in XX/XX/XXXX when I filed 2 disputes with XXXX. 

XXXXXXXX XXXX has recognized the loan is fraudulent. They got the money back from the school and zeroed out the account. 

But despite multiple disputes with credit agencies, Firstmark refuses to remove my name from this loan 's credit line as recently as yesterday. Refusing to remove my name from the hard inquiry on XX/XX/XXXX ( which I did not authorize ) is lowering my credit score with XXXX. 

( XXXXXXXX XXXX extended the loan, but FirstMark is currently processing it )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
USAA has treated me like channel since day one if I caught an overcharge meant they will keep me on the phone for 45 minutes not 21 thing on XX/XX/XXXX we were pushed out of our home illegally XXXX XXXX   that night or child right for my arms while me and my husband have been XXXX  there has been fraud all over our accounts I would Peg the transactions and USAA would to release them. I have renters insurance claim for XX/XX/XXXX they just keep it there like its funny today I caught a wire transfer of all my husband Social Security into another 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 2023-08-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2017-05-08
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of obtaining a mortgage loan from Quicken Loans. At one point a representative from their under writing department stated to me " because you are so young, we believe you 're going to use this as an investment property ''. So I firmly believe they treat " younger '' people   as liars. Additionally, if those are normal underwriting practices, it makes it unfair for " younger '' borrowers. Towards the end of this loan I encountered another issues. I received news from them that the loan woul d be declined , two differ ent representatives told me the decline reason was because the property was " unlendable ''. Which if its a rule due to it being a condo I am fine with it. But what I am not fine with, is them giving me a decline letter that states the reason for decline is because my debt was too excessive. So miscommunication or misinformation is another issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under Merchants & Professionals. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. On XX/XX/XXXX the company sent a statement reflecting a balance owed for my daughter XXXX XXXX who was covered under XXXX and therefore charges should have already been paid. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and therefore a 2nd validation letter was sent, along with a copy of letter sent by the agency as well as a copy of my daughter 's XXXX card requesting further review as the account should have been covered in full. As of today I have not received any further correspondence from creditor to validate these accounts as not having been paid tand furthermore I do not believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was ran through XXXX and remains unpaid and all reported information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently discovered unauthorized inquiries on my credit reports from credit cards and banks XXXX  has 6 of them screening reports, XXXX, XXXX XXXX, XXXX   XXXX XXXX has 3 inquiries XXXX XXXX, XXXX  XXXX, and XXXX  XXXX, Experian has XXXX XXXX and XXXX XXXX. I have contacted each bureau and advised them of the note on my credit report and how it says to not run me if they haven't called and verified me and they say its nothing they can do about it. They are no help, I want these inquiries to stop and to be removed

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 2023-04-17
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Follow-up to complaint : XXXX. Was issued card, with damaged number. Company stated that they would send replacement card. Was not provided card. Refused multiple emails to customer service. Initiated complaint XXXX with CFPB in XX/XX/2023. Was informed on XX/XX/2023 a replacement card would be sent within 7-10 days. Company mislead consumer and CFPB with resolution, as no card has been issued, yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX , VA XXXX ; XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been making payments to my loan servicing company Select Portfolio Serving during my six-month long forbearance. Most of these payments were in excess of {$1200.00}. I only had to pay {$390.00}. I am very confused and dont understand where exactly did these funds go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IN
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. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX : account last XXXX # XXXX. On XX/XX/2023 about XXXX am I XXXX XXXX contract XXXX XXXX phone number XXXX spoke to XXXX and i asked for my full account number she refused to proved me the full account number. She advised me to call [ XXXX ] i spoke with XXXX about XXXX XXXX from account recover and i asked for my full account number she advised for security purposes they dont have access to that information However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
Remove late payment from XXXX and XXXX of XXXX  for XXXX XXXX XXXX XXXX for credit card ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: OneMain Finance Corporation
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
During the middle of XXXX and all through till today XXXX I have been trying to get an additional loan or refinance my loan with one main but they keep denying me and I have been making all my payments and they have also been charging me extra Many Many times I paid two or three times for the monthly payment for just One month and I tell them and they deny it when even my bank tells me it went through. And now theyre telling Me I owe the {$1900.00} still but I only owe them {$1400.00} left, it even says that on my credit report. They also havent let me use Any of my Add-ons that were supposedly added to my loan. They tell Me j can not use the insurance that I paid for to help me make a payment because I didnt get paid in time. They laugh while Im talking to them. They tell Me they can help me get refinancing and or an additional loan and to give them my social security number and do the hard pull and tell me sorry we cant then they laugh and tell me to try again next month. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: MO
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:
On Monday XX/XX/ via us mail I received a " Notice of Data Breach '' from XXXX XXXX they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter XXXX XXXX offers me one year of Experian " XXXX XXXX '' free of charge paid for by them but when I attempted to enroll with Experian " XXXX XXXX " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by XXXX XXXX for their failure to protect my personal identifiable information XXXX XXXX should be ashamed and Experian should immediately permit me access to said protection.

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