BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$2900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying since XX/XX/XXXX to obtain a loan modification. We were denied the first time ; however, my income further declined in XX/XX/XXXXso i submitted a new request XX/XX/XXXX and finally have rec 'd notice We have had to borrow money to make the mortgage payments in the shortfall months where no rents come in - we can not be delinquent, as that will impact our ability to get student loans for our children in/going to college. the only option they give us is a short sale which tax consequences are going to cost us upwards {$75000.00} - {$100000.00} I do not understand how there was a period of time where many folks just stopped paying their mortgage and could wash their hands of all the debt deficiency but we have tried desperately to be good stewards. The only thing that seems to be acceptable is to stop paying the mortgage so we can meet the " delinquency requirement '' what is it??

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 2021-02-26
Company: I.C. System, 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:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

I C SYSTEM I C System, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Account # : 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 2023-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted a request for refund on XX/XX/XXXX for my loan payments for last year due to circumstances. I keep getting the run around and today was the final straw. Every single person I have talked to over the past few months has told me something different. XXXX person I spoke with before XXXX stated that it had been approved and they had all of my information from my previous lender, XXXX. That everything looks great and I should expect a deposit end of XXXX or early XXXX. I called today as it's been a few weeks and was told they are STILL processing information from XXXX and they didn't have a time frame for me. They apparently expedited my request in XXXX due to hardship. I'm a XXXXXXXX XXXX  and I have XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I hate being told these lies over and over about my expectations throughout this process. All they could say was " sorry ''. I pray others have a much better experience than what I am having thus far. The most current call was today XX/XX/XXXX. I have made several calls starting from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to report multiple violations to the Free Credit Reporting Act. XXXX XXXX XXXX is reporting a related to fraud item to the credit bureaus. I tried to solve this issue with them in the past by sending them a dispute letter. Up to today, they have failed to help me. 

I am demanding thsi company a deletion letter and to remove the following item from my credit report : - Kay Jewelers. Account # XXXX, opened XX/XX/2016. Closed date XX/XX/2016. Limit {$1400.00}, balance {$0.00}. 

If they fail to honor my request, I am willing to let a court decide. Here are the violations that the have committed : - Failing to validate debt - Unfair business practices. - Negligence. - Breach of contract. - Reporting false and erroneous information. Violation to section ( 609 ) of FCRA. 

Please send the attached documents to Kay Jewelers. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Helvey and Associates has continued to report inaccurate information on my credit report after failing to provide verification that the account belonged to me. I submitted an identity theft to the cfpb when there was a data breach with XXXX and my information was used illegally. Helvey and Associates has continued to report this account even after not providing any contract or sign documentation. According to Metro 2 guidelines ( A collection agency debt buyer/ third party collections agency reporting shall not report after debt is paid in full. This is not an admission this is my debt, but I paided it off because my name was used to open this account illegal. I called the utility company and requested documentation and there has not been any verification that this is my account. Helvey and associates is is violation of fcra of reporting inaccurate information on credit report. This violation needs to be investigated and the XXXX needs to be notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled a credit report on XXXX XXXX, XXXX, since XXXX, and witness hard inquiry errors. I sent a letter on XXXX XXXX, XXXX, looking for the hard inquiries to be removed, then another on XXXX XXXX, XXXX, to follow up and have not received a response. 

On XX/XX/XXXX, I visited the TransUnion website to online dispute the hard inquiries, an automated response gave me a number to call. I called and spoke with XXXX who transferred me to XXXX and the call was dropped. I called again and spoke with XXXX who transferred me to XXXX. XXXX explained disputes can not be done online and they have not received any letters for the dispute, took down the disputes, and said he would contact the inquiries which can take 6 months on top of the two months applying for disputes. 

I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Transunion is reporting inaccurate account information fraud information I have filed to the FTC for Identity Theft with report number 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 2021-02-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
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:
filed police report houston pd # XXXX violates my fcra act hippa remove stuff that are not mine Id theft victim

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 2023-03-15
Company: MOHELA
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:
I qualified for the PSLF program in XXXX of 2022. I have not received forgiveness despite waiting the 90 business day. There has been limited communication about my status or a possible discharge date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX received an email stating my credit card was declined for {$3.00} at XXXX XXXX XXXX and it was over the limit. Not sure the exact date that I saw the email but that is the date the email came so when I saw it I called Capital one letting them know I have not used the card since XX/XX/XXXX. I also stated these charges were not mine and I did not authorized them. Capital one informed me these charges will be taken care of. My statement also came in for XX/XX/XXXX my balance was {$67.00}. Prior to the statement my balance was {$120.00} and I made a XXXX payment. Once my statement came for XXXX some of the charges were deleted and other remained. I called Capital one on XX/XX/XXXX and I was told since I still have the credit card in my possession that they could not credit all the charges back. I explained I never authorized these charges or did I make these charges. The rep told me that she is sorry they could not credit the account back. I stated again even though I telling you I did not authorize these charges or did I make the charges. The rep stated again they can not credit my account back. I explain if you look at my transaction history prior you will see these are not charges and different from by transaction history. Rep still refused to help me. Told rep I would be calling the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent information is being reported on my credit report and I am having problems disputing that with the credit reporting agencies. XXXX is reporting information as my account and I did not open an account with them.

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 2020-02-28
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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2023-08-16
Company: Continental Finance Company, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Verve violated the SCRA and FCRA by failing to place the account in SCRA status when I entered active-duty service, revoking my credit line, and providing negative information to a credit reporting company. After multiple attempts to get Verve to put my accounts in SCRA status, Verve charged off my account in XX/XX/XXXX. In XXXX, I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX and hired an attorney to send a letter to Verve to get them to comply with the Federal/State statue. Verve then retroactively placed the accounts in SCRA status and issued a credit leaving a balance of {$540.00}. However, Verve refused to accept responsibility for their role in charging off my account, which harmed my credit report. Verve 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit history, change my credit terms, or refuse to grant me credit simply because I exercised my SCRA rights. A lender can not provide damaging information to a credit reporting company simply because I exercised my SCRA rights. The SCRA and FCRA required Verve to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate and relaying the new balance due ). Verve only agreed to retroactively limit the interest rate and refund me checks after I hired an attorney to send a letter and filed an official CFPB complaint in 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 2017-09-30
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:
I contacted XXXX XXXX on XXXX XXXX, XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Equifax verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, XXXX. I also contacted the New York XXXX XXXX on the same XXXX & was also told that NO ONE from Equifax verified any type of bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I asked the credit bureaus to validate or remove several accounts from my credit report on XX/XX/XXXX and after no response, I followed up again on XX/XX/XXXX. Transunion responded on XX/XX/XXXX, stating that they had verified the accounts but did not give any valid explanation of their investigation.

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 2023-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I recently spoke with an attorney that let me know that charging an overdraft more than once for the same item is illegal. I brought this to my banks attention way after I had already asked them about these overdraft fees and was told that is how it works. I now see that they only charge me one time per items that were overdrawn. I then asked if I only have an overdraft amount of {$600.00} why is that when I reached the {$600.00} dollar point why would they then allow it to go through. There were so many times in the past that I couldnt over draw the full XXXX amount but if I did {$100.00} by {$100.00} at a time they then would allow all 6 of the overdrafts to go through just seconds later. I feel as though this needs to be looked into. Its downright evil and so wrong. My XXXX XXXX XXXX on an appliance delivery job we were on back on XX/XX/2018, I am now a single mom and feel like I have been taken advantage and basically robbed of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed two disputes in the past with both credit reporting agencies.

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 2023-03-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: LEXISNEXIS
State: IL
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.

The letters are stated with items and issues.

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