BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
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:
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 inquiries. 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 2021-07-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have reason to believe, and do so believe, that this Navient Solutions did not loan me anything and I do not have any alleged debt with Navient Solutions. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. Navient Solutions then at some point, purchased this alleged debt and is now attempting to collect on it fraudulently. I have reason to believe pursuant to 15 USC 1692j ( a ) Navient Solutions created and furnished a deceptive form in the attempt to make me the consumer think I got a loan and they are entitled to payment. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response by mail. Navient Solutions has continued to report on my consumer credit report during this time, as well as attempt to communicate with me via telephone or email to collect upon the alleged debt with no regard for federal law nor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: OPORTUN FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Purpose of the complaint : This complaint is filed against Oportun for illegally sending me threatening letters to extract additional funds that I do not owe them. I contacted the company about my denial in writing and they persist with this action. Being a XXXX XXXX XXXX XXXX of XXXX descent on social security fixed income, I believe that this company is targeting me with price gauging and elderly victimization. The price gauging is in reference to their adding charges to the loan for the approved XXXX month payment deferral for COVID-19 they extended to me. The elderly victimization is in reference to Oportun never having any automatic monthly debits of {$260.00} returned unpaid for insufficient funds, over the 33 month term of the loan, in spite of my limited income. Added to this, the company urged customers to pay off their loan early without penalty. I paid off the loan earlier than the term date. 
Details of the complaint : In XXXX, my family had a financial crisis, and because Oportun had been sending me loan solicitations for about XXXX years, I decided to apply to them for {$2500.00}. I was surprised when they approved me for {$6000.00} with a {$21.00} fee added for Florida document tax. The total loan amount was {$6000.00} for a 33 month term from XXXX XX/XX/XXXX. I signed a promissory note electronically to complete the contract for repayment of {$8600.00} at a 27.13 % rate. The monthly automatic payment due on the XXXX of each of month was XXXX @ {$260.00} and 1 XXXX. The first payment was submitted on XX/XX/XXXX and paid by my bank on XX/XX/XXXX. This was done exactly each month until XX/XX/XXXX. I responded to Oportuns offer to defer payment for XXXX month due to COVID-19 assistance. This was reflected in extension of the last payment being XXXX/XXXX/XXXX instead of XX/XX/XXXX. The payments resumed monthly on XX/XX/XXXX. But since I had incurred more expense in XXXX for my husbands burial, I decided to pay off the Oportun loan, to lower my debt. Therefore I called Oportun customer service and asked to cancel the automatic payments because I wanted to pay off the loan. The XXXX confirmed that the XXXX and XX/XX/XXXX payment was {$520.00}. The next day, XX/XX/XXXX, I went on the Oportun website and according to the amount on their system, I paid {$520.00} for XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I went on the Oportun website again and paid {$260.00} the amount charged by their system for the last payment due on XX/XX/XXXX. With the XX/XX/XXXX payment, total paid was {$8600.00}. Total repayment of the loan on the promissory note I signed on XX/XX/XXXX, was {$8600.00}. My debt was paid in full. Therefore, I do not owe Oportun any additional funds. Attached are copies of all payments processed and paid by my bank. A document is attached showing a copy of all payments my bank made to Opportun from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: PA
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:
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 2022-12-01
Company: EQUIFAX, INC.
State: CT
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 am submitting this CFPB complaint to you today to request to you to correct my Credit File from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account shows past due however I have never been past due. I requested forbearance do you covid-19 and they granted it, however they sent me something to sign in the mail which I didnt receive. They had me sign Something and I sent it in, they said it would be taken care of. However it shows me being past due but not the case

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2023-09-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Update to paid as aggree 4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove this inquiry from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: Paypal Holdings, Inc
State: LA
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:
On XX/XX/2020 I received a letter from PayPal stating they were planning to send me a PayPal debit MasterCard soon. It explained that if I did not want the card, I would have to log in and cancel it by XX/XX/2020. I do not believe it is right that I have to inform them NOT to get a debit card. You did not have an option for debit cards so I filed this complaint as a credit card problem. I feel that PayPal 's unsolicited delivery of a debit card should NOT be allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under

15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-11-03
Company: NBT BANCORP INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I bought a car and the dealership did the loan through NBT Bank. NBT Bank charged me twice for the first month for my car payment. They took {$390.00} on XX/XX/XXXX and {$390.00} on XX/XX/XXXX. After calling XXXX times and not getting the issue resolved, I disputed the second charge with my bank ( XXXX ). On XX/XX/XXXX they charged me a {$20.00} fee for revoking the second payment. I have called XXXX more times. A representative claimed that there was an internal and external payment set up and she deleted the second one. That apparently wasn't true as the XXXX  time I called both payments were still set up. This XXXX  representative claimed the second payment was deleted and I could put in a request to get my {$20.00} back, but based on the fact I've had to call them XXXX times to try to get a normal monthly autopay set up and they can not figure it out, I highly doubt they'll get it together. I want the {$20.00} back and I want confirmation they will just take XXXX monthly payment a month ( they can use the external payment set up ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
Company: Security Credit Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a collection placed on my credit with SECURITY CREDIT SERVICES, I contacted them several time to resolved it. I was able to talk to someone on XX/XX/2018 and settled the debit by paying it in full, only after repeated attempts to get a copy of the rental contract I sign. I never received the contract with my signature as I requested several times. I needed it to get off my credit as it was preventing me from gaining a home loan. I paid in full the balance as required and for accepting my payment in full they agreed to fully remove the collection from all three credit bureaus. I have received notification that it was listed as paid but still on my credit bureau and has not been removed as agreed to. furthermore I have requested proof that they sent a removal to credit bureau and as of today have not received this. I want them to live up to the deal that was agreed to. I am also contacting the XXXX, NC Attorney General and filing complaints prior to filing a small claim lawsuit in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
In XX/XX/XXXX I applied for a auto loan with NFCU for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by Navy Federal Credit Union. I recently applied for a loan ( not NFCU ) and noticed that there were some inaccurate information being reported by NFCU on XX/XX/XXXX to ( XXXX, XXXX, XXXX ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid,  closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with NFCU bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: AZ
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: EQUIFAX, INC.
State: TX
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation