BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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:
n accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # 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 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 2022-06-14
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account name and account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  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 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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 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 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 2023-03-25
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX  XXXX continues to report medicals bills under {$500.00} on Experian, XXXX XXXX and XXXX. Based on the new guidelines Medical bills Under {$500.00} should not be on the credit report. I have contacted XXXX  XXXX several times and they have refused to remove from the credit report. 

Their act is unfair and deceptive acts to attemp to colllect a debt as other people Are not treated the same. Why is it that The medical bills under {$500.00} for other peoples accounts were removed by them, but mine were not. 

I am asking that all medical bills under {$500.00} from XXXX  XXXX I removed from my credit report. 

XXXX  XXXX this does not have to do with the credit bureaus you guys are in charge of the account Kindly remove them from my credit report. I do not understand why you guys are pinpointing me and only me and treating me in this fashion.

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a loan on our home thru Wells Fargo and we tried to refinance and was told we did not qualify. This was done and we lost our home! We later learned that we were part of 400 other clients that were denied to later learn that Wells Fargo had a glitch that resulted in us being refused a refinance. We have never been compensated for this!

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 2023-06-08
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: Information belongs to someone else

Complaint:
This complaint is my follow-up to ensure that the disputed accounts are deleted. I complained last XXXX to delete the accounts which I believe to be erroneous and fraudulent, this complaint is to notify you to delete the fraudulent accounts in my file Please delete the following accounts : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Balance : -

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: AES/PHEAA
State: FL
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:
My husband and I have been denied the XXXX  consolidation because we have a spousal consolidation loan. We did what the loan advisers told us XXXX  years ago. Had we not, my husbands loans would qualify for the XXXX  consolidation loan and would then qualify for the XXXX program. We just followed the rules and are now being penalized. Currently Spousal Consolidation loans can not be re-consolidated into a XXXX consolidation loan, and therefore these public servants, after a lifetime of service, can not avail of the XXXX program. This condition raises financial risk for married and divorced borrowers in low paying public service. We seek fairness and equal treatment. 

The Joint Consolidation Loan Separation Act should be moved into law this year as it is the antidote to the blanket risk posed by any type of spousal consolidation loan. It installs integrity in the short term XXXX  waiver by allowing public servants who have sacrificed to be treated equitably and be given the same opportunity of credit towards forgiveness as their colleagues. We ask for support for the Joint Consolidation Loan Separation Act and the ability to make these loans into federal direct loans by the XX/XX/2022 deadline as the precursor to allow lifelong public servants access to the newly expanded relief measures in the XXXX XXXX XXXX XXXX ( XXXX  ) program. Many of us have performed public service for XXXX years, yet we are still facing the crushing debt of student loans/interest and a foreboding fear of never getting out from under them as we move towards the end of our working careers and lives. 

Please consider those of us that qualify and are being denied because we consolidated as we were advised to do. We desperately hope to separate our loans, so those of us that qualify for forgiveness can be forgiven, rather than punished just because we were guided down the wrong path.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: KY
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 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 : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN INSTRUCTIONS.

( 15 ) U.S.C 1681 C. ( 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 than seven years.

15 U.S.C 1681 s-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 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Capital One Bank USA NA. Capital One Bank USA NA is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Capital One Bank USA NA is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Capital One Bank USA NA any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2021, XX/XX/2021, XX/XX/2021 ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ). If they are not removed, I will hold Capital One Bank USA NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Capital One Bank USA NA can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that is being fraudulently furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting that these accounts be removed from my credit report as I did not receive enough information to verify the debt, and XXXX has already removed these accounts for the same reason. have made several attempts to obtain information about these accounts from the creditors, but they have failed to provide me with sufficient information to verify the debt. As a result, I am disputing the validity of these accounts and requesting their removal from my credit report. Please delete these following accounts on my credit report : XXXXXXXX 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 2023-02-21
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:
In touch XXXX XXXX  damaged my credit report by adding eternal insurance that I was not aware of till I seen it on my credit report they raised my payments from {$950.00} to {$1200.00} with out notifying me first about the adjustment they claim they sent the letter to XXXX XXXX XXXX XXXX but my address starts with XXXX this is an error on thier part and because of that error in witch they refuse to fix and reverse the charge of {$7500.00} off for them purchasing the external insurance in witch by the way I had insurance on the loan the whole time through XXXX  they refuse to remove the {$7500.00} for that insurance with made my payments go up and make me struggle to get it and their change happened during the pandemic I had in touch XXXX XXXX on the phone with my insurance company to prove to them I had insurance the whole time after detting off the phone with XXXX in touch still refused to change my credit and reverse the charge I made several calls to them even challenged the information through the credit reports still they refuse stating all what they say is true

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 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 2022-06-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello. I used to be a user of PayPal services science XXXX. I use my account for sending and receive money from my friends and family members. But a few days ago my account has been limited without literally any reason and explanation! I have my own XXXX GBP on it that was sent to me by friends of mine. But now my money held up to 180 days. I found countless cases of PayPal stealing their customer 's money after 180 days! That's why I filled in this complaint. 
At first, my PayPal account has been temporarily limited. They asked me to upload information about myself. Such as Photo ID, proof of address, bank statement, and information about my transactions. They give my case reference ID : XXXX. So I submitted all of the required information. After a few days, I found I can't use PayPal anymore. They even didn't send me an email about this. Then I tried to appeal that decision with PayPal but they refused.

I can confirm I didn't do anything illegal. I just receive money from my friends. This is not prohibited by the PayPal user agreement. 
Please help me to resolve this issue. 
Also, I am a XXXX XXXX  but now located in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: IL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi. My XXXX doctor sent a XXXX XXXX  to XXXX XXXX XXXX XXXX, NY for testing. At time of consultation with XXXX doctor I clearly mentioned that send XXXX XXXX XXXX  to only that XXXX  which is in network of my health insurance because insurance doesnt allow out of network providers to be used. Besides this alert doctor decided to use out of network provider. When XXXX XXXX XXXX billed to my healthcare insurance for those tests they denied the payment for services. XXXX XXXX XXXX sent the invoice of {$580.00} to debt collection agency to go behind me for collection. I spoke to my health care insurance and was advised since provider is out of network its not my responsibility to pay those charges. 
This is an harassment from the provider.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Collection Bureau of the Hudson Valley, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following are the details regarding the collection of {$18000.00} for my XXXX XXXX XXXX XXXX ( XXXX ) account for the check fraud. 

On XX/XX/22 I received a job offer from XXXX XXXX XXXX XXXX XXXXXXXX. My manager asked me to send checks for employees resource purchases. I sent some money to him as cards. As soon as I got suspicious went to the bank and talked to the manager ( XXXX branch manager in XXXX, MA ) around XX/XX/22. He called their collection dept and informed me that it is my responsibility, and they are going to close the account since there is a deficit of more than {$14000.00} and if not paid in 60 days ( about 2 months ) of time. Filed a complaint with the XXXX, MA police on XX/XX/22. I talked to XXXX collection dept in XXXX and XXXX several times, but they still stick to their decision to collect the money from me. Received a letter from CBHV Collection Bureau Hudson Valley Reference No : XXXX for a collection amount of {$18000.00} including the fees. They called me today XX/XX/22 and said I must pay the amount. I told them the story behind the collection. 

Please cancel this debt and fees since it is the banks responsibility also to check for fraud and I had no idea that it was fraud at the point that I was sending money. I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the consistent existence of inaccurate and fraudulent accounts on my credit report. After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. I have taken the necessary steps to report the fraudulent activity to the authorities. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA mandates a timely resolution of consumer disputes, typically within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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: In progress
Consumer complaint received 2022-06-13
Company: Grain Technology, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have a credit account with Grain Credit. www.trygrain.com On XX/XX/2022 I tried to contact them to change my bank account on file to make a payment towards my credit with them. I was perfectly on time with the payment. I tried to call and email them with my request and marked it as urgent since I didnt want to be late on payments and get a negative impact on my credit report. 
They responded to me only on XX/XX/2022 with a regular automated answer and didnt help me with my payment. 
Today is XX/XX/XXXX and they have reported my 2 missed payments to all three credit bureaus. Im in trouble. I have emails and proofs that I tried to contact them and wanted to fix that issue before it happened. 
Now my credit history is not great anymore because of them. I need help. Theres no way to contact them. At all! 
Please help! I need the negative info to be removed from my credit reports and I want to pay off that balance with them.

Company response to consumer: Closed with explanation