BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them in my file right away. 
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 2019-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Back in 2015 I reported my car being broken into, wallet was among my personal belongings that was taken it include a fee debit cards n credit cards, social security card, driver 's licenses, a accordion that held my birth certificate pay stubs prior year income tax returns and utility Bill 's. The reason why all this documents were in my car because I had a employment interview the day before and had left my items overnight in my car. I immediately filed a police report, and since then auto loans, new bank accounts, credit cards have been made in my name and thousands of DOLLARS have been borrowed or used to make purchases in credit with my identity. I have contacted the Merchant like Bank of America, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and hundreds more that shows in XXXX XXXX XXXX XXXX XXXX and many other systems that I'm a high risk and that these accounts were used fraudulently by me. I contact these merchants on more then one occasions in person, via email, and telephone and the end result is that they belong to me and I have to settle the debt and now that I would like to open a checking account, make a major purchase or obtain credit I'm denied by all banks and lenders stating that I'm a high risk or don't meet the criteria because of what these merchants have stated on my credit report.

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 2023-01-23
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them in my file right away. 
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 2022-07-12
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
MACYS/ DSNB you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation MACYS/ DSNB you are reporting a PAID account as Collection/Charge-off and from the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. 
Furthermore from same Dictionary ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes.

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX.

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit.
Remove reporting of the charge-off account from all consumer reporting agencies.

Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: NC
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 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 2023-01-26
Company: RentDebt Automated Collections, LLC
State: MA
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:
My credit report shows a collection account called rent debt labeled ( XXXX XXXX XXXX ) I have never heard of either of those companies, I had my identity stolen in the past with accounts opened in my name and this is definitely fraudulent. I never received a debt validation letter nor a debt verification letter and the address the company has for me I have never lived at before in my life ( which i can also prove ). This debt is not mine & it needs to be removed. I have police reports proving the past identity theft as well and how the company never contacted me to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: LA
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XX/XX/2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-02-22
Company: EQUIFAX, INC.
State: KY
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 no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. 
Medical XXXX Balance : {$35.00} Medical XXXX Balance : {$35.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: OneMain Finance Corporation
State: CA
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:
XXXX XXXX XXXXXX/XX/XXXX XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times. 

Why does XX/XX/XXXX have this account showing I am still making payments? This was paid off in XXXX. 

XX/XX/XXXX. 
XX/XX/XXXX Shows that I have one late payment XX/XX/XXXX, XX/XX/XXXX reporting 31 late payments. 
XX/XX/XXXX showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my XX/XX/XXXX reported unchanged. How when nothing was validated? 

XXXX XXXX XXXXXX/XX/XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with XX/XX/XXXX. That this will remain unchanged. I never reported this account with XX/XX/XXXX or XX/XX/XXXX. Why would the creditor remove the payment history? 

I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked XX/XX/XXXX to help me verify this debt. How could XX/XX/XXXX allow the Creditor to submit what I received as proof? 

Why is Creditor unclear on my request which XX/XX/XXXX contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
PLEASE HELP ME WITH THOSE ACCOUNTS AND WITH THOSE INQUIRIES XXXX XXXX  XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX Date Closed XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY 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 2022-01-07
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from EXPERIAN XXXXXXXX XXXX I never contacted or contracted with this company. I contacted EXPERIAN XXXXXXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 need this to be removed as it affects me 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 2020-12-29
Company: AES/PHEAA
State: CA
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:
Please see attached letter and statements for greater detail. In Summary : FedLoan Servicing failed to give me PSLF credit for qualifying payments made XXXX through XX/XX/2019, claiming I underpaid the XX/XX/2019 payment. 

However, the XX/XX/2019, statement showed the Current Payment Due as {$0.00}, the Total Due by XX/XX/2019 as {$0.00}, stating You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month ( meaning XX/XX/2019 ). Your next payment is due on XX/XX/2019 for {$1100.00} { explanation added }. 

On XX/XX/2019, I made a payment in the amount of {$1100.00}, the amount which the XX/XX/2019, statement showed as being due. This payment was made within the fifteen ( 15 ) day window of the due date ( XX/XX/XXXX ) allowed for payments to qualify under the PSLF program. Therefore, this payment qualified as a qualifying payment under PSLF criteria. 

As further evidence that I did not underpay the XX/XX/2019 payment, none of the statements generated after that showed any past due amount. In fact, the XX/XX/2019, statement, which reflects the {$1100.00} payment made on that date, states : You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you have requested. 

So, not only did fully pay the amount due in XX/XX/2019, I continued to OVERPAY this account. 

In addition to failing to give me credit for the XX/XX/2019 payment, FedLoan thereafter failed to give me credit for payments made in XXXX, XXXX, XXXX and XX/XX/2019, claiming that I had underpaid the XXXX payment which was incorrect. 

This is an ongoing problem with this loan servicer they continually attempt to deny credit for qualifying payments under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Jon Barry and Associates, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XX/XX/XXXX Paragon Revenue group agreed in response to consumer financial protection bureau complaint number XXXX to remove their collection from all credit reports and from their account. They are also responsible for notifying the original creditor of the complaint and the debt resulting from Identity Theft. Paragon Revenue group has failed to comply with its agreement. The collection is still on my XXXX and XXXX credit reports. With this complaint, I request that Paragon Revenue group comply with its original agreement to remove and block this debt and collection from my credit reports as well as provide me with proof of the notification and information sent to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XX/XX/XXXX, I called Navy Federal about funds being available to cover my mortgage in another account. I was told to transfer funds from one account to the other once my military pay was available on the XXXX of XXXX and it would cover the mortgage. I did as customer service advised and transferred. Days later I received an email message to call the security center from Navy Federal. Later I learned I was a victim of phishing. Navy Federal has not helped me at all my accounts were frozen and forms that needed to be submitted it seemed they were unwilling to give them. The credit Union is not truthful to its customers because they told me they paid the mortgage on three occasions and my mortgage and other bills remain unpaid. Lastly, after talking to Navy Federal again today I dont believe they are doing any type of investigation because I was blamed today and XXXX was taken out of my account not even sure when it was taken I asked the customer service and was told I owed the bank over XXXX and the bank was not paying the mortgage. These issues have been going on for weeks. My stimulus check is supposed to go to my account I am a bit concerned about that. It is really sad that Navy Federal treat people in such a manner. Lastly, when I said I was filing a complaint the customer service representative said I could care less.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX continues is a collection company that has continuously kept this on my credit report. I left the school who used deceptive tactics to recruit and promise an education when in fact they were for-profit using unqualified teachers/professors per article from XX/XX/2007, " the New York State Education Department reported deficiencies at the XXXX XXXX New York campus. The problems related to faculty qualifications and remedial course offerings. New enrollment was limited and the Education Department stated it would close the college if improvements were not made. '' Improvements were not rectified. I am disputing the loan with the Board of Education and was advised the process takes time.

The credit agency is threatening and is posting on my credit report when it should be removed after some years. They refuse to do so and are holding my credit report " hostage '' for payment threatening they will remove negative reporting only if I pay them. They are menacing and unethical practices are causing frustration, time, and unable to move forward. This has been harassment non-stop.

Company response to consumer: Closed with explanation