BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Detailed below is the response I received regarding a dispute I filed on XXXX XXXX XXXX 
I attached an identity theft report, my id and a statement, with that dispute. 

This letter excludes XXXX XXXX. XXXX XXXX has handled my issue like a pro. XXXX XXXX has been an outstanding help. Thank you. 

I would like to advise the credit reporting agencies ( XXXX- spoke XXXX XXXX XXXX ( claims did not receive my documents despite the fact that I submitted it through the CFRA portal. Already in violation of U.S.CODE 1681C-2.. and Equifax ) that they are violating federal law. 
15 u.s. code 1681c-2 - block of information resulting from identity theft.

a. block states that, a consumer reporting agency shall block the reporting of any information in the file of a consumer, no later than 4 business days after the date of receipt by such agency.

It has now been 14 days since submitting my dispute through the CFPB.

Please be advised that if these accounts are not deleted promptly, I will be filing- Notice of Default opportunity to cure within the next 7 days.Thereafter, will be filing 1681N and or 1681O Civil liability for non compliance.

I have no relation or transaction with these companies therefore must be deleted promptly.

Below is the response I received and it is unacceptable. 

XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XX/XX/2023 Closed Company responded XXXX XXXX XXXX XXXX reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX  Closed Company responded XXXX XXXX XXXX XXXX reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/ Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: IN
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:
Have worked with XXXX XXXX, Experian, and XXXX regarding information that is outdated, incorrect balances, and a mortgage that was paid in full. This includes slimly companies who do " rental checks '' and claim they have the correct information, when in fact, it is inaccurate and there was a freeze on the account to obtain the information without consent. 

XXXX provided a letter to me indicating the information was inaccurate and that XXXX XXXX, Experian, and XXXX never called them about an investigation or that the right information would have been given. 

When paying off my mortgage ahead of time, all three credit bureaus have REMOVED the paid-off mortgage from their reports - a vital piece of information that they utilize in their so-called " credit '' algorithms. 

When paying off a car loan in advance due to an inheritance- they still have retained the wrong information about the loan and when submitting paperwork with the pay-off- they ignored the correct information. 

These " valid companies '' need to be brought before the proper XXXX and House Committees in public to explain their faulty management, irregular algorithms, and why they remove vital information such as paid-off mortgages and car loans. 

Too much power over individuals ' credit has been given to these XXXX credit bureaus and now outside companies, such as rental application companies, who have no experience in credit determination, nor do they give a valid reason for denial or request correct information and use that for corrections. 

They NEVER believe the consumer who has documentation, the " investigators '' ignore true FACTS to engage in Anti-Trust schemes controlling the loan and banking markets with inaccurate and false information.

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 2021-10-23
Company: Experian Information Solutions 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:
I need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( XXXX, XXXX, EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( XXXX, XXXX, Experian ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( XXXX & Experian ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( XXXX XXXX XXXX ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( XXXX, XXXX, Experian ) XXXX XXXX  - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXXXXXX  - 30 days late in XX/XX/XXXX ( XXXX & Experian ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( XXXX, XXXX & Experian ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times 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 2022-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm victim of identity theft please delete or remove this item on my behalf. 
This item is not mine and this greatly affected my personal life. 
I request to block the following information and please let me know if you need any other information from me to block this information from my credit report. Thanks USAA SVG BK Account number : XXXX Date open : XX/XX/2018 Balance owed {$7000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a CD with USAA bank for a secured credit card unfortunately and for personal reasons, I had to file for bankruptcy ; at the same time I called the credit card department and paid off any balance I then asked to close my CD account on XX/XX/2018 and deposit the proceeds to another checking account I have with USAA and was told that it will take a couple of days ; after XXXXwo weeks not seeing the deposit I called again trying to find out where is my money and was told that it takes two weeks to close the account after two weeks not getting the money I called again and was told that they can not deposit the money in my account and it will take another two weeks for them to issue a check and mail it to my home address after two weeks today XX/XX/2018 I called again and was told that the check was issued on XX/XX/2018 and mailed to the bankruptcy trustee and had to do so because it is the law. I spoke to my attorney and was told that there is no such law. It's unheard of to send someone's money to a third party without my authorization. As you can see in my complaint throughout the month of XX/XX/2018 from the XXXX of the month until the end of the month, I was given the runaround. I filed a complaint with the Federal Reserve which resulted in a phone call from the bank representative all she told me was 1. She basically blamed me that I called the wrong place/department however no one I spoke to told me that I am calling the wrong place/department. 2. The representative also told me that it is USAA policy that in case of bankruptcy they mail the funds to a trustee, I asked her to show me where does it say in our CD agreement that in case of bankruptcy my money will be mailed to a third person, she basically refused to either direct me to where to find the agreement or offer language in the agreement. In the meantime, after finding a solution for my financial troubles I voluntarily had my bankruptcy dismissed and still looking to collect what is due to me which amounts to {$1600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2022-11-01
Company: EQUIFAX, 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:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

INQUIRIES 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on Tuesday XX/XX/XXXX i called XX/XX/XXXX to see when the funds will be available i was told they would be available that friday XX/XX/XXXX after XXXX on friday i checked my account the money wants there the check says posted but nothin is in my account i called the bank navy told me they were told by the federal reserve to put a 5 day hold on my check. i called the XXXX XXXX to verify the funds since that is who sent the check to get them to help they confirmed everything was done right on their side i called navy again and was told the same thing about the five day hold i then called the federal reserve where i was informed they can not tell the banks to put holds on checks they only handle the transactions and movement of the funds. navy has given me false information on several accounts and has done nothing to fix the problem im gravely disappointed and sadden by the the lies i have been told as well as with they customer service not to mention they had extremely long hold times and none of the reps were really understanding or trying to help they made me feel like i was the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020 Portfolio Recovery Associates filed a lawsuit stating that I owed them XXXX. The court date was set for XXXX XXXX, the plaintiff did not show up. The court date was rescheduled 3 days before the initial court date, they did not show up for the rescheduled date. They filed a continuation which was scheduled for XX/XX/2020 and a gentleman who was present was impersonating an attorney. 

During the court session, I pointed out several discrepancies with their claims. One being the varies amounts claimed to be owed. The second being the bogus witnesses and signatures throughout several documents. The case was ultimately dismissed, however, still remains on my credit report. 

This company does not have a signed contract or photo ID to even verify who the owner of the debt is and is preventing me from getting loans and employment by falsely reporting information they can not prove. They tried to get a default judgement by rescheduling court dates and not showing up the first two appearance and appearing a 3rd time, hoping I would not be there. During the court proceedings they even tried to read a " witness '' statement knowing the rules of the court requires all witnesses be present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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:
Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This letter is a formal complaint that Nelnet Student Loan ( Nelnet ) is reporting inaccurate credit information. I am very displeased and highly distraught to find that Nelnet has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, Nelnet has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearance 's and deferment 's after XX/XX/XXXX. Since the late payments were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both Nelnet and the Office of the Ombudsman explaining that I have worked extremely hard to maintain my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 complaint is about the 3 credit reporting agencies ( Transunion, XXXX, and XXXX )XXXX One financial institution pulled my credit from all 3 agencies at the same time for the same credit but it's reflecting on my report as 3 different hard pulls which is negatively affecting my credit. I have 15 inquiries on my credit, 4 of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the credit score, Transunion states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a 10 year term and I'm 6 years into it. XXXX and XXXX have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't 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 explanation
Consumer complaint received 2018-05-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full!!

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 2020-09-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My father died in XXXX.Before he passed he was abused by his fake power of attorney and spouse.My entire family has teamed up against me and my father to steal his bussiness, retirement and estate accounts.Wells fargo opened a mortgage after his death and XXXX XXXX XXXX  XXXX allowed theft as well.Due to this i have been poor my entire life.Never had insurance or a place to live.They are aiding in my suffering to hopefully end my life before they are caught..

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 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 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