BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: TX
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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: SC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Self Financial Inc.
State: IL
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 had an account with Self lender. My Identification was placed on the dark web in my bank and credit card accounts were hacked! I was even declared deceased to XXXX XXXX where they closed my accounts out in XX/XX/2021. I have been working to resolve these issues, however with SELF I have giving evidence explaining the fraud on this particular account and I have been ignored. In fact the company is still making reports on my credit for a account I did not open. I have sent five emails and no one has responded with the appropriate action. It has been over 45 days and I would need this fraud account taking off my credit report because I was not the person that authorized the pass transactions or opening of new accounts to this merchant. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Vehicle loan with XXXX. Car was totaled, XXXX XXXX paid loan off and loan is still open and having a huge negative impact on credit score with the wrong not updated info. Loan should of been closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my CBR as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act.

Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency.

Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions 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:
There are 2 accounts reporting that I am not familiar with. I don't recognize either one. Please help me to get these accounts remove from my credit report. 
XXXX XXXX account with a balance of {$3000.00} and XXXX account with a balance of {$4100.00}. 

Please remove this incorrect address and employer information XXXX XXXX XXXX XXXX, AL 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 explanation
Consumer complaint received 2016-10-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The original loan was issued by XXXX and purchased by XXXX which issued false letters of default to numerous students throughout the United States in an effort to scare students into obtaining a loan at a higher rate to pay off the student loan. When I discovered this illegal practise and proved my case, my loan was somehow sold to XXXX ( a Government entity ). XXXX, to my knowledge, was never prosecuted for its ilegal actions. Numerous payments were made on this loan until I was under financial stress and asked for a deferment. At some point without my knowledge, XXXX became Navient. I had paid at least XXXX diffeent companies claiming to be an arm of XXXX including monthly withdrawals from my bank account. At some point after paying for a year the company unilaterally refused to honor the payment agreement and monthly withdrawals. Where did all of my payments go? 
XXXX refused to speak with me during the last three years. I could not get a representative to speak with me, claiming my account was in the hands of the other arms of XXXX. When unbeknownest to me, XXXX became Navient, I again received notice that I had not paid. ( remember that the arm of XXXX unilaterally stopped taking payments from my account ) Again, where di my payments go? I finally contacted XXXX, which now claims to be another arm of XXXX/Navient. They also refuse to give me a statement of my account payments, claim I owd several thousand more then I borrowed, including, but not limited to, fees added on to my account by said arms of XXXX / Navient. 

Meanwhile, the holder of my loan refuses to speak with me, refuses to give me a statment and history of my account, and refuses to make known where my payements went/ how they were applied, etc. 

This needs to be resolved to my satisfaction. It seems the Us government takes tax payer bailouts of banks which continue to abuse conumers and law abiding citizens, meanwhile, the banks getting away with ilegal activities. 

There are many more documents which are too numerous to scan. I am happy to copy and forward via regular mail upon request. These are just the most recent documents. 

The claim made by Navient is false and needs be remedied to my satisfaction. The failure of XXXX and the numerous arms of XXXX are complicit in their falsification of records, refusal to speak with former loan holders, fail to address the needs of loan holders, fail to speak with loan holders, fail to provide information and statement of account to loan holders, all of which are ilegal actions under the FTC and other organizations and laws protection consumers. 
I will pursue this to the full extent of the law if this is not resolved to my satisfaction. 
Thank you for your time and consideration of this very important and disconcerting matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: SC
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: FL
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/2022 I submitted my dispute to all 3 major credit reporting agencies and I havent received any correspondence from neither reporting agency and I have proof of my dispute was delivered and it is pass the 30-45 mark. 
XX/XX/2022 XXXX XXXX {$1500.00} XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX {$19000.00} XX/XX/2022 XXXX XXXX XXXX {$610.00} XX/XX/2022 XXXX XXXX XXXXXXXX XXXX {$150.00} XX/XX/202XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2022 XXXX XXXX  XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: ALLY FINANCIAL INC.
State: GA
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:
Unauthorized, unverified hard inquiries on my credit report must be removed in accordance with the FCRA.

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 2023-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So I have 2 checking accounts with Bank Of America. Bank Of America toke money out of one of my checking accounts and placed it into my other checking account without my permission. They then said they will not give me my money back.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I never applied for any of these account. These account are fraudulent and I have no knowledge of these account.

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 2022-12-24
Company: Experian Information Solutions Inc.
State: SC
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 pulled my credit report and noticed several accounts that do not belong to Experian Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-01-15
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have called on the below loans for the past 5 years and was told every time all my loans through Navient are consolidated and I could do nothing about lowering the interest rates. In addition, I have 2 direct loans ( one subsidized and one non ) I was told are able to be consolidated. My only option given was to keep the interest as is and get on a graduated payment plan thus paying way move over the past 5 years than I should have due to incorrect information. Navient reps have always been unequipped to efficiently handle my financial need and this has prove to cost my thousands of dollars in interest. Just look at how long I have been paying on the below loans. 



XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$4800.00} 8.125 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$7000.00} 9.125 % XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
So recently I had checked my credit report to see that there has been 64 hard inquiries added to my report I have contacted Equifax and XXXX  even added security freezes to my reports, well RIGHT after i added it YET another inquiry was added to my report from direct tv, I have reached out to both companies several times, Equifax deleted all but one on my account and then re-added them. I called each company and all said the same thing, someoene went online to purchase or try to purchase a vehicle and then my information was sold to other dealerships so theres a total of inquiries, the companies couldnt even give me a copy of MY ID, as they said anyone can get online and use someone else 's information, Ive done all i can do, Equifax adv if i faxed them my id they would remove my inquiries, I faxed that over about a month ago nothing changed. XXXX  supervisor i spoke with stated he would have them removed, NOTHING HAS CHANGED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2023 I mailed a certified letter to Equifax disputing 3 bankruptcies clearly explaining inaccurate information to all 3 accounts. I asked them delete those accounts immediately. They replied they investigated, which is not true since all of there information is completely different than other credit agencies. So On XX/XX/XXXX I followed up with certified dispute and again the continue to ignore my demands. 

I followed up with the bankruptcy Clerk of Courts asking if they report to credit agencies. I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-18
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: Account status incorrect

Complaint:
Im being denied to rent a place to live with my child anywhere because of a car loan that is showing delinquency and Im not the owner of the vehicle from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am trying to send money to another Venmo user and it will not allow for over a week now. Four attempts to resolve with Venmo they are useless... .keep responding with " packaged '' responses that they are not at fault and I should just use another form of payment. This is how they run a business and keep customers? Disgraceful. They have wasted time and money for me and refuse to fix the problem and be help accountable. Something needs to be done!

Company response to consumer: Closed with explanation