BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY!

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NY
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
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:
These accounts were reported in my information and are not mine XXXXXXXX XXXX  XXXX {$2100.00} XXXX XXXX {$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 2023-09-08
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I paid the delinquent XXXX XXXX property tax bill {$3200.00}, XX/XX/. I had less than 30 days to pay or there would be more penalties. 
Sent letter ( information ) to company- M & T MortgageXXXXBank XXXX XXXX XXXX, XXXX  Ny 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 2023-08-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In XXXX  I applied to the XXXX XXXX XXXX for XXXX XXXX when I signed up I was never given the option for different loans. I was misled as to what I would be paying back. I paid for six years on this loan not realizing that I was paying on just the principle or the interest Im not sure they never informed me that I had other options to re-pay this loan the school closed and I never even got my degree. I have been fighting Navient. Its been on my credit report for over 15 years they will not take it off. I keep fighting I refuse to pay for an education where I was lied to, and didnt complete my education. I need help fighting to have this removed from my credit report. The original loan was XXXX. Its now XXXX I paid and payed and paid and it went from XXXX to XXXX and thats when I found out I wasnt even paying on the loan I was misled by the school, the advisor in the financial company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 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 2023-09-06
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
As Great Lakes and Nelnet are " sister companies '' as I was told, you'd think they'd have all records and documentation of conversations, etc... 

It was explained to me that these previous conversations no longer exist, nor was it appropriately documented in my case file. Go after these companies that MESSED up for the past 20 years in regards to these things. I've been paying these loans back since 2003, but apparently I have 8 years left to pay? These are the issues that make people lose hope in every avenue of our country. I have pictures from the old Great Lakes website SHOWING when my payments were to resume and when the final payment was. If you had a record of what that site looked like, it is CLEAR AS DAY that it came from that particular URL. 

Hold these people responsible for their lackluster and willy-nilly attitudes for the past 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: V and H Portfolio
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have called and emailed Vance and Hoffman LLC several times a month since XXXX of this year to let them know they have a collection account on my credit report that is not mine. In XXXX  my XXXX XXXX was broken into and someone stole our mail. From my credit report it looks like Vance and Hoffman LLC bought debt from XXXX XXXX XXXX XXXX and now say I owe {$4600.00}. I have sent them my theft Affidavit and I have let them know numerous times that the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This is my 3rd complaint against this company and I would like a resolution!!! 
1. I never received the loan documents from this company. I need all documents including GAP documents. I need my ( original ) amortization schedule. I need the signed copies of the finalized loan documents. I have requested this information at least 5 times with no results. 
2. My overpayments are still not dated to the date of the request to apply to the principle balance. I worked in finance and I am very well aware of how the daily interest are applied. 
3.They are telling me that I can see the principle balance on the web and how my payments reflect the balance by reviewing the payoff quote. This is untrue, the payoff is exactly that a payoff if I was paying it off within 10 days. I want to be able to see my payments and the principle balance after each payment. The website does not show that breakdown and I want to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-18
Company: EQUIFAX, 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:
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. 

has violated my rights. Or a list of inquiries : 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 2020-04-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX i made a XXXX payment to my Citibank XXXX XXXX XXXX card, which i was making an early payment. I called over the phone with my debit card from XXXX  XXXX XXXX clerk indicated payment had gone through and they indicated that that form of payment is instant. Later the next day i didnt see it removed from my account i then made another payment of XXXX. In XXXX i received notice that my account was being closed because i had a return payment that of the XXXX. I called Citi bank and they said they couldnt do anything since they said my payment was returned. They advised to send a letter with proof to Citigroup office of the president XXXX  XXXX XXXX XXXX, Sd XXXX. I did send a letter and documents showing that my bank account had those funds. I waited a month and called back and they said they never received it. I sent it back again by their instructions. By then it was already XXXX and there response was that they couldnt do anything because time had already passed for me to reopen an account. I then further spoke to XXXX at that office of the president and advised her that my bank there was never an intente of taking that XXXX out of my account so in this case it was Citi banks issue that no money was sent when money was available on my account. It took a while to keep communicating with her and came XXXX and no word from her then finally i called her back and she advised that they couldnt open it and that i would have to apply. In this case they left me with a XXXX dollar closed account were its impossible for me to reopen an account with them. All i want is for that account to be reopen or transferred to a new one. That issue wasnt my fault and since i open that account on XX/XX/XXXX i had only 5 months since it being open. Not fare for a company to give you a credit and then close your account since all my payments had been on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Chime Financial Inc
State: IA
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:
On XX/XX/2023, I realized that I had some unauthorized pending charges on my Chime checkings account from a vendor called XXXX. Those pending charges amounted to {$590.00} total. In looking further, going back to XXXX of 2023, I realized there were even more unauthorized charges from that same vendor totaling around {$470.00}. I proceeded to open a dispute on all charges on XX/XX/2023. On the morning of XX/XX/2023, I was provided an email stating my dispute was complete and that Chime found that none of the transactions were in error and that I would not be receiving any credit for them. No additional information was provided. No details on how they came to there determination at all. I have called and complained. They claim that my dispute is being reopened, but it is still not reopened from what I can see in my Chime application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Southwest Collection Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account 1 : XX/XX/2020 {$14.00} Account 2 : XX/XX/2020 {$17.00} Account 3 : XX/XX/2020 {$14.00} Account 4 : XX/XX/XXXX. 2020 {$17.00} I reject your Offer to contract.I have not given my lawful authority for any non affiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication pertaining to this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 usc 1028a. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claims act. I would like the name and address of the original creditor. I have reasonable cause to believe that the medical facility XXXX XXXX XXXX XXXX and that you both are trying to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX   XXXX  {$74.00} 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX XXXX {$4300.00} 12 ) XXXX XXXX XXXX  XXXX {$26000.00}

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 explanation
Consumer complaint received 2020-06-08
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few numbers identified as belonging to Harris & Harris have called me on many occasions to leave the same, automated message. I have not received any letters from Harris & Harris and am not aware of collections activity on any of my accounts. The call usually comes from ( XXXX ) XXXX and so far I have had 20 voicemails since XXXX with an automated message that just tells me to call them back. I have not called them, as I have no reason to believe there is a valid claim and I don't want to be caught in a scam. They are not even specifying who the intended recipient is. 

I have attached a partial call log showing the voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess XXXX Ch 187, 188 1867 Pg. 546. XX/XX/1867, CHAP XXXVIL

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 2020-09-15
Company: Experian Information Solutions 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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 

XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX MID XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX UNKNOWN : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXX  : Account # : XXXX XXXX XXXX : Account # : XXXX has violated my rights. Or list of inquiries 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 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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, I XXXX XXXXXXXX XXXX  : # XXXX, XXXX XXXX # 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 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