BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a XXXX XXXX who cant become a XXXX  assistant I had XXXX  before college and I owe XXXX for a degree I cant use iv tried to resolve this with them by letting them know I cant use the degree and its not from a regionally accredited school but no one has helped I cant buy anything with this debt on my credit please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX of this year, someone was able to walk into the PNC bank located at XXXX XXXX XXXX XXXX in XXXX TX. and using a false social security number, a false address, my correct birthday, and a signature that didn't match, and withdrew {$3000.00} in cash from my checking account. As you can see from the copy of the withdrawal ticket, they tried to get {$4000.00}   but the balance wouldn't support it. The teller, who may have been in on the scam, gave them the money even with all that inaccurate information. The teller clearly did not follow banking protocols and did not check the information on file, if they had they would have know this was a scam! 
We contacted the local branch here and they are working on the problem, but we were told it may take up to 90  days to get our money back, THIS IS TOTALLY UNACCEPTABLE. This is felony level back fraud and without a doubt the sloppiest case of bank teller performance I have ever heard of. I am enclosing a copy of the withdrawal ticket so you can see what I'm talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: CA
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 numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 2023-03-23
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: Their investigation did not fix an error on your report

Complaint:
When I reinvestigate my credit file, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$290.00}, XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Allied collections appeared on my credit report no notice ever sent to allow me to dispute the validity

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 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 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 2022-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I checked my credit report, I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax did not delete inquiry from credit report as requested by XXXX on XX/XX/XXXX. 
Equifax still maintains that the inquiry dated on XX/XX/XXXX from XXXX XXXX XXXX is accurate. 
Delete this inquiry and all other inquiries on report, as equifax isn't factual and doesn't do its due diligence. Equifax maintains that the inquiry is factual even after XXXX requests that the inquiry should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
You are in direct violation of the fair credit reporting act many accounts have violated several of My rights. 
15 u.s.c1681 sec 602 a.clearly states I have rights to privacy.

15 u.s.c 1681section 604 a section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 16668 : a creditor may not treata payment on credit plan as lat for any purpose.

Remove these late payments and update these accounts immediately as u are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Credit Karma, LLC
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have had my federal Tax refund deposited into another person 's account knowingly by Credit Karma money spending account department on the XXXX XXXX XX/XX/XXXX XXXX in the amount of {$3200.00}. This is the amount that I should have received after XXXX XXXX XXXX withdrew their fees of {$94.00}. XXXX XXXX XXXX, is only a third party in the issue because XXXXXXXX uses them to collect their fees. I have been calling non stop concerning this issue and was told by both the irs and XXXX XXXX XXXX  XXXX that Credit Karma should have rejected the funds and not have sent the money to the wrong account since none of the information matched as far as the name and ssn number. I have been emailing and calling Credit Karma and have proof that this company knows that my refund has went to another person 's account which is fraud on their behalf. I have reached out to Credit Karma customer service by way of email having the issue escalated. I also have had to reach out to the XXXX XXXX XXXX and once again they are apologizing for putting my refund into the wrong account with no resolution from Credit Karma. Now, I have been referred to you all to try and get some help concerning getting {$3200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-22
Company: CONRAD CREDIT CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is now my XXXX time submitting a CFPB complaint about Conrad Credit Corporation. 
I filed a complaint on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. With no resolution!!! Complaint # XXXX that was filed on XX/XX/2021 Conrad Credit Corporation acknowledged that they reported a duplicate collection account to my credit file and advised that it would take XXXX days for both collections to be removed from my XXXX, XXXX and XXXX credit file however this has not happen. I have called all XXXX credit bureaus and they advised they have NOT received anything from Conrad Credit Corporation. I am tired of continuing to file a complaint and neither the CFPB or Conrad Credit Corporation has resolved my issue. You are reporting a duplicate collection which is inaccurate and per my consumer rights per the FCRA this must be deleted from my credit file. This is my last time attempt to resolve this matter with both the CFPB and Conrad Credit Corporation. I will not wait another XXXX days for this matter to be resolve. I will file for litigation immediately. Remove these collection accounts from my credit file NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning incorrect employers and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: AMCOL Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am consumer XXXX XXXX, my federally protected consumer rights have been violated by AMCOL SYSTEMS. AMCOL SYSTEMS is a third party debt collector and did not have my direct written consent to contact me regarding alleged debt which is in violation of XXXX XXXX. XXXX  ( a ) of my consumer rights. AMCOL SYSTEMS, has obtained my personal information without my consent and is a breach of my individual privacy under congressional findings of XXXX XXXX. XXXX ( a ). Reporting and having my information without my consent is identity theft. AMCOL SYSTEMS can be held civilly and criminally liable for these actions. I do not owe any debt and I am the consumer under XXXX XXXX XXXX  ( XXXX ), I am not obligated to pay any debt. AMCOL SYSTEMS is in violation of XXXX XXXX XXXX  ( XXXX ), they have gained my location information and did not get permission from the consumer or anyone that is close and knows the consumer. AMCOL SYSTEMS states that the consumer owes a debt in which is a violation of XXXX XXXX XXXX  ( XXXX  ), debt collector must not state that a consumer owes such debt. The alleged debt that was sent is in a positive balance in which means you can not pay on a balance thats already paid, this is false and misleading and in violation of XXXX XXXX. XXXX ( XXXX ) ( A ). 

Cease and Desist was sent and received by AMCOL SYSTEMS with a tracking number of ( XXXX XXXX XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: ENCORE CAPITAL GROUP INC.
State: VA
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:
There is a hard credit check for a mortgage company but I never applied for anything like that. Company is XXXX-midatlan and its from XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Some one used my card and made unauthorized atm withdraws. I reported it and the bank said since it was used in my area and since it was a chipped card they denied my claim. This is against regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Oklahoma Student Loan Authority
State: OK
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:
I never knew that this school was private. I also am now banned from the student portal to access anything. I was told to have it repaid before I graduate which is another year... ..and now I'm on a financial hold. I need to report this as well as the loan I took out for my son whom withdrew and went to the military. It's restraining me from progressing with my schooling and other obligations. What can be done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2023-10-28
Company: Experian Information Solutions Inc.
State: WA
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:
There is inaccurate information regarding on my credit report which i have no knowledge about and never heard about it I never knew about till I had a mortgage broker who told me That while I was applying to the mortgage loan! 
Those companies are : 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 explanation