BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Collection Account as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting inaccurate information as of XXXX. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX  XXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: SLM CORPORATION
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called Sallie Mae after they continued to call and email close to 20 times a day and leaving voicemails threatening that I better call them. I have called several times with them and discussed my financial hardships and that I can not afford to pay over XXXX dollars a month for a student loan. The last lady that I spoke with was so rude and belittling to me and I was absolutely offended. she told me that I shouldnt have went to college and got the loan if I knew I couldnt pay it back and its not their fault I dont have the money and that if I didnt pay over XXXX dollars right then that they would mess up my credit. She did not try to help she was just rude. Who would say something like that to someone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX, 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 2021-05-17
Company: Benworth Capital Partners LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for first and second draw PPP loans with XXXX and it was sent and approved by the SBA, and Benworth Capital was the lender. It said that Benworth funded my account. They lied! They never sent the money to my account and I know they are going to start making withdrawals from my account after the deferral period. I signed a promissory note and it's been almost a week and still no money. I can prove it with a certified statement from my bank that they never funded the account. I tried calling Benworth and the line is always busy. I tried emailing them and the email was undeliverable, so that means it's a fake email address. I tried contacting XXXX and the page won't load.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2023-05-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I began receiving calls from a number that I did not recognize ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ). When I XXXX  the number it said XXXX XXXXXXXX XXXX, so apparently the real number was being spoofed. Since the recorded message commenced before the voicemail started recording, I just called the number back on XXXX  to see who it was. The lady said she was from XXXX XXXX XXXX and was calling about a previous credit card ( HSBC, opened XX/XX/XXXX ). They supposedly sent verification to my home with a settlement offer and stated I never responded. They did not. ( I have USPS Informed delivery and it shows all my mail ). She said the account went delinquent in XXXX and they are contacting me for payment before filing with my current county. While I do not recall ever having this card, I was still surprised of collection activity on an account where the statute of limitations has long passed. Credit agreement debt in Louisiana is 3 years and some courts find it is a violation of the FDCPA for a collection agent to pursue a debt collection lawsuit against a consumer after the statute of limitation expired ( Kimber v. Federal Financial Corp. 668 F.Supp. 1480 ( XXXX ) ). 

The agent proceeded to send me a text with the attached document of the debt. It does not include the dates, so I will reference what was told verbally is that the account was opened in XX/XX/XXXX and went delinquent at some point in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MS
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 is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Information belongs to someone else

Complaint:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurious to my score. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
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. 

XXXX XXXX XXXX : XXXXXXXX XXXX/ dept OF ED : XXXXXXXX XXXX/ DEPT OF ED : 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 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 2022-11-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Ive contacted the company multiple to prove the validity of the loan. This is not mine and was done with out my knowledge. The account number is XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a grievance concerning my actual accounts and good credit history that is not associated with the ID Theft Reports no longer being listed. Several of my accounts that are mine and are positive are no longer reporting. I am sure this is the primary reason that my score has dropped over 100 points. Because of this significant drop I have suffered loss of business opportunity and extensions of credit. I would like for those accounts not included in the Identity Theft Report to be placed back on my Equifax credit report and to remain on my credit report for the allotted time. I have provided a list of the accounts in the attached documents that show the accounts were on my report prior and are no longer on there. 

Second, I have three accounts that were submitted through an Identity Theft Report That are still appearing on my credit report. Those items are XXXX XXXX ( 4th company down listed on attachment XXXX ) and a duplicate reporting of the same XXXX accounts ( 2nd company listed down in the attachment XXXX ). The XXXX is reporting twice at the beginning as the first item on the credit report and again as the last item on the credit report. And actually the accounts are even misreporting as well because the account has been sold or transferred to a collection company by the name of XXXX XXXX. You can see that the phone number and contact details to XXXX XXXX are detailed in the contact area of the creditor contact information. I called XXXX and XXXX XXXX, who identified himself as a customer representative, stated he found no information related to any of my personal information related to an account with XXXX. Detailed information is again included with the documentation attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: JPMORGAN CHASE & CO.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A XXXX dollar withdrawl and XXXX withrawl was drawn fro. My bank moble acoount through my school occc banks disclosing my info and authoriztion on statments chase XXXX XXXX human departmant of services says i dont qualify for unemployment ssdi denied me twice i dont recive pensions but my credit report says morgage loans car loans credi cards my name i s XXXX XXXX i live in XXXX oklahoma XXXX XXXX i live in public housing and recive a XXXX utility check a group of people broke in my home i. XXXX and stole my car crefitantials and id bank numbers deeds trust i belive i was institutionalized from XXXX to XXXX there's cameras on the property i went to managment and sh e gave me security number they stole my goverment phone my XXXX hp computer with important files in pertaning confidintal things my will wishes deeds medical info XXXX XXXX accounts and XXXX XXXX ive been a target of theft i sent the documents to the 3 credit bureus in XXXX of XX/XX/2018 they havent delevered me anything i gave them copies of social w2s and id but i moved since then to XXXX XXXX XXXX XXXX XXXX i need help recoverng my life and ownership back. Chase trust banks and all. Other banks i contacted said i hold no accounts iras accounts or buisness accounts i feel like i been diqscriminated aginst with fair housing having me appeal the denial of access

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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.

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 2023-06-01
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a payment to flag-star Bank in the amount of XXXX through XXXX online bill pay. After flagstar received my payment on XX/XX/XXXX and posted it to my account they reversed the payment on XX/XX/XXXX. However they have not returned my money to me or XXXX. After several investigations with Flagstar bank and sending them proof of funds and several other documents. They refuse to return my money stating they dont have it. However they can not provide me or my bank with a federal trace number showing the funds returned. They keep referring me back to XXXX. XXXX has sent them proof of payment with federal trace numbers yet they still refuse to refund or credit my account for money received.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My car was broken into XXXX of 2016 and a backpack containing my personal information was stolen.

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 2021-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX  HIGHR EDU 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