BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

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

15 U.S.C 1681 section 604 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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My Name si XXXX XXXX I am writing this complaint without and influence form any third party. Please see attcached documents and ID it contains my full complaint and request.

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 2021-11-19
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 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 Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX AUTO - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax SYNCB/LOWE XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, I attempted to log into my Coinbase account and I was unable to log into it. I got a new phone so I was requested to verify my identity by providing my driver 's license. I provided the front and back copies of my driver 's license and then I was asked to appear on webcam, which I did. The verification was denied. I tried several times and it was denied. I do not know why it was denied but I feel that my account has been hacked or there is some unauthorized activity going on. I was asked to provide a legal document with my name but I am feeling uncomfortable doing that because I have been a victim of identity theft before and I feel that the verification was denied on no valid basis. I am the same person that created the account and I could prove this to the necessary authorities. However, the problem is I am being blocked from my own funds because Coinbase has possibly been hacked or denying verification due to no valid basis. 

I want to withdraw my funds and close the Coinbase account. I am very unsatisfied with this platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Navient Solutions, LLC.
State: CT
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 consolidated my loans in XXXX. In XXXX Navient told me that if I want a new loan servicer I had to consolidate again. The consolidated my loan and assigned me back to Navient. I paid {$42000.00}. I called Navient and said to cancel the consolidation because my servicer was not changed. They refused and all of the money I paid was stolen by Navient except for {$1000.00} that was credited toward principle. 

I have applied for PSLF and XXXX only has payment history from XXXX. Navient must provide them with my full payment history in order for me to have my loans forgiven. 

Navient is a criminal corporation and is exiting the student loan servicing business after pillaging students for decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX Account number 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
State: NY
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:
I made a payment to my account that did not reflect on my credit. I called the credit card company ( Citi Bank ) and they told me my bank has not processed they payment. I contacted the bank and they said they did process it. In order to expedite to the situation and have access to my funds to make a medical payment I decided to make a manual payment via debit card. Once I made the payment my account was closed and I was told my bank put a stop payment on my account which I was not aware of. Now I am in debt of the account that is now closed, this account is also a secured account.

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 2017-10-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had been trying to applied for a citi bank credit card since last year, on Sunday XXXX XXXX XXXX I tried to applied for a credit card over the phone. And still got denied. I truly do n't understand why because I have an excellent credit score history. I called once to Citibank and all they told me was that I had too many credit card accounts open. Which is not true. I think their policy and procedures of getting a credit card with citi bank is horrible. I would like to get a more depth explanation of why I had been denied multiple times in getting a credit card? I will appreciated 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 2022-01-05
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:
They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for XXXX mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At this very moment this collection is hindering my husband and I from moving into a home that we can afford. It's very stressful and hard jumping from apartment to apartment and still maintaining two car loans. I'm very stressed out and this is really affecting my ability to succeed in society as well as it's affecting my relationship with my husband. Being in this position does not allow me to put my children in a good schoo, get them assistance they need when visiting hospitals, on top of that I'm on falling deeper into debt due to my credit because of having to pay higher than normal fees. I currently have no criminal history no felony or misdemenaor. But yet I'm unable to purchase the home of my family 's dream. I hope your day is going well, but I need your help. I noticed the following issue with this account on my credit report. I did not authorize nor know anything about this account listed. This is a fraudalent account. I know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Looking for help in resolving a misunderstanding that has cost me {$140.00} in late fees and negative impact on credit report. Began earlier this year when I discovered my old Target credit card had expired I applied for a new one. I later learned, however, that my previous online profile does not carry over from one card to another and therefore, the settings I had in place to pay my account in full each month ( as I do with all my credit cards ), had been reset. In addition, I verified the settings were in place after the new purchase, but assume now I was seeing the old online profile. I assumed statements received were duplicative and the account was being paid. <P/>I never received other notifications from Target, by e-mail or by an identified phone caller. What I did receive, which I discovered in hindsight, were repeated robo-calls coming from a non-identified number that never left any voice mails. All this couldve been easily resolved with a simple phone message or e-mail notification. <P/>It was not until I received a letter from the collection agency that I became aware of the matter and when I did, I immediately brought my account up to date. However, by this point, there was no ability ( or willingness ) to adjust late fees and my original a {$56.00} purchase had ballooned to nearly {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Experian Information Solutions Inc.
State: TN
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 have ask Experian and XXXX  to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On credit report, they claim the account was opened on XX/XX/2020 and I owed {$1200.00}. I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying repeatedly to reach a resolution with Ocwen Mortgage, PHH Mortgage and XXXX to no avail all of the above mentioned companies have consistently LIED, about my legal status regarding my RIGHTS towards the property. I was repeatedly told that it was absolutely nothing that I could do as for as trying to keep the house. I asked could I Refinance the answer was NO. I asked could I file for bankruptcy protection I was given an astounding double NO. I was told that my name was on the Deed, but not on the mortgage. I decided to talk to a nonprofit group. I found out that the mortgage companies and their workers had repeatedly LIED. The mortgage company knew that I could not afford legal representation, I was self teaching myself. I was backed into a corner. I was only about {$4000.00} dollars in debt. I have been reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My Stafford Loans with U.S. DEPARTMENT OF EDUCATION XXXX XXXX ) is handled by Great Lakes. On XX/XX/XXXX, My student loan principal amount was {$40000.00} and the accrued interest {$12000.00} ( which is excessive. ) At the time, Great Lakes offered me a standard repayment plan ( No salary-driven or subsidized in any way ) of {$240.00} a month. Such payment was supposed to start reducing my loan principal immediately. This week while taking a look at my account summary, for my surprise, the balance of my loan instead of have been decreased, it has risen to {$53000.00}. Ever since I setup my payment plan, I haven't missed one single payment ; for the contrary, I have made greater payments than what I was supposed to. From the date of the payment plan was set, I have paid the total amount of {$5500.00} which has been allocated in its entirety to interests. Furthermore, in XX/XX/XXXX, I had a payment due of {$630.00} which corresponded to some accrued interests regardless of the Cares Act ( Interest Great Lakes is not able to explain to me. ) My loan has been overcharged, excessive interests have been capitalized and payments have not been applied as agreed since the beginning. When I called Great Lakes, they do nothing to help but sustain that the balance is correct. I really need someone to help 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 2022-04-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CBC Companies, 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:
They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for XXXX mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NV
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:
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 fraudulent accounts. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Ocwen Financial Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: MD
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. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation