BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
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: Reporting company used your report improperly

Complaint:
I have contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
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: 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 Personal Information. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is showing a collection account listed with the comment MEDICAL, status paid without any real identifying information to allow contact with the agency to request removal or dispute. The inclusion of this " medical '' debt is causing undue harm to my credit report score and profile to lenders. I had insurance in XXXX  so I am unsure how this medical collection came to be on my credit report without giving me the opportunity to dispute. 

As a goodwill due to the sensitive nature of healthcare costs, I believe once a " medical '' account is listed as paid it should be deleted from the credit report to remove any discrimination in credit lending due to the medical collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Account information incorrect

Complaint:
I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I file a dispute in regards to incorrect items in my credit report. Its has been well over 30 days and have not receive any investigation results.

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 2019-03-21
Company: Experian Information Solutions Inc.
State: MI
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 HAVE BEEN WITH XXXX XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, XXXX AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.

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 2023-05-25
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I received a loan for the purchase of a boat in XXXX from XXXX XXXX, a division of Santander USA. I paid the loan in full in XXXX of XXXX. 

The boat was documented with the Department of Homeland SecurityXXXX XXXX and did not have a state title. 

The boat was sold in XXXX of this year. When I requested the documentation/title be changed with the XXXX XXXX to the new owner I found that there was an open lien with XXXX XXXX as trustee servicer for XXXX XXXX. The bank has sent a lien release to the XXXX XXXX but has not included the legal description of the person signing the lien release. Because of the lacking legal description the XXXX XXXX will not accept the lien release and I am unable to transfer title to the new owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I file a dispute in regards to incorrect items in my credit report. Its has been well over 30 days and have not receive any investigation results.

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 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a certified letter, tracking # XXXX XXXX XXXX XXXX XXXX ), a notarized affidavit and a copy of my photo ID to Transunion that was received by them on XX/XX/XXXX. I notified them letting them know that these accounts were not mine but they never responded. Because Transunion did not respond. I later sent another certified letter, notarized affidavit, FTC Report XXXX, copy of my credit report and my photo id by certified mail XXXX XXXX XXXX XXXX XXXX that was delivered, XX/XX/XXXX, XXXX XXXX in XXXX, XXXX On both occasions Transunion was notified and sent all the documents they needed, and they still ignored me. Therefore, TransUnion violated the FCRA in pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft I did make this FTC report XXXX I did not receive goods and services, so the FTC and identity block is valid. I sent them everything and it's be more than 30 days now.

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 2023-09-26
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted the employment certification form ( ECF ) for the period of XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX and my form was processed 6 weeks later. I included my W2 for XXXX, and XXXX and also my last paystub as well. However the PSLF payment count was not accurate ( only increased by 1 ) and did not reflect the number of payments for past 2 years that I submitted the form for. I called Mohela multiple times and waited 2 hours for each phone call. I finally was able to get through to speak to a representative who told me it was a mistake and she requested a manually recount. I asked how long it would take for the payment counts to be updated. She responded saying she has no idea how long it would take?? 
It seems to be a simple fix and I find it unacceptable with their answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: NAVY FEDERAL CREDIT UNION
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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my XXXX. I have recognized many fraudulent items opened in my name. The only Navy federal account I had was my Auto Loan with them. 

The Navy Federal Credit Union account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but XXXX has recently reported it as opened. It can not be a charge off and open 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 2023-05-09
Company: EQUIFAX, INC.
State: MD
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2021-10-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I file a dispute in regards to incorrect items in my credit report. Its has been well over 30 days and have not receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
I have a collection account reporting as a open account with a past due amount, I disputed collections are not suppose to have a past due this is inaccurate information 15 us c 1681i ( 5 ) Treatment of inaccurate information must be removed... equifax said it was accurate both can't be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In XX/XX/2021 I had XXXX. Due to my illness and delays of service by the US Postal Services, I was late making my XX/XX/2021 payment. 
I made XXXX payments in XX/XX/2021, and paid the account current, however the issuing company then said I was 60 days late, this is incorrect. 
My prior payment history was excellent, without any late payments before or since this one, isolated incident during the height of the XXXX XXXX pandemic and illness on my part and Postal Service Delays. 

I can not help these XXXX issues affected my XXXX time ability to not pay on time.

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 2021-10-01
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:
This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus XXXX , Equifax , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I disputed this item on my report it was removed a few months later it returned without warning. The law states that before adding an account back on your credit report that was removed the the reporting company has to give you a warning XXXX  days before adding it back I did not receive no warning. Also I sent it documentation several times explaining this which they claim to have not received l. I want this account removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: DISCOVER BANK
State: MI
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 HAVE BEEN WITH XXXX XXXX SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. 

WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND XXXX AND XXXX FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. 

WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. 

I ALERTED XXXX XXXX AND DISCOVER AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD XXXX IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. 

AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: OR
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:
Equifax continues to put a credit card, XXXX XXXX XXXX, used by my father on my credit report. We have the same name, but he is a Sr and I am a Jr. I do not use this card and am not on the account in any way. 

I have requested via their one process that they make this correction and remove it from my profile, since our date of birth and social security numbers are different, but they refuse. I am not a user or on this account in any form. 

As a result of their inaccurate information, my credit score with them is lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : My only correct date of birth is : Please remove all phone numbers on my credit report. 

Please remove all the other addresses off of my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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