BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a 2019 accident that was supposed to fall off after 3 years according to my insurance company and a comprehensive claim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19
Company: NAVY FEDERAL CREDIT UNION
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I informed the company that this account was the result of identity theft. The theft is a close family member of mine and I have chosen not to press charges against them for their crimes against me. Since I have elected not to press charges, I made this company an offer of settlement in exchange for the complete deletion of the tradeline. They advised they would not delete even if I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-04-24
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sometime in 2017 a checking account was opened using my social security number and a name different than my own.my name is XXXX XXXX But someone created a synthetic credit file using my social security number but using the name XXXX XXXX along with a fake social and id in that name.already filed multiple police reports as well as a ftc report.Us bank is reporting that I owe thru XXXX.the account was opened in Wyoming after investigating myself.also many fraud accounts were open in Wyoming and Colorado around this time frame.I have never lived in Wyoming.or Colorado.I provided proof of my residency while filing reports with police etc.I have always lived in XXXX texas.the social security number used was 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 2020-10-22
Company: DISCOVER BANK
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I was traveling home from XXXX went through XXXX and was forced to make charges on my credit cards {$1800.00} Discover approx. {$1800.00} XXXX  XXXX XXXX. A man posed as XXXX/taxi driver, another guy jumped in at airport and we picked up a third man later. Pretty sure the men put something in my drink during the evening and when I asked to leave was told I could not basically I was XXXX. I did not have working cell phone because it was turned off while I was in XXXX. The 3 men made me buy nearly XXXX of some sort of tickets/cards from two separate gas stations and tried to get me to take more money directly from the cards using ATM before finally taking me to the airport to catch my next flight. I never touched the items bought, the three men kept all of the cards/tickets! Filed reports with Dept of State contacted Credit card companies to let them know situation. My flight originated in XXXX and landed at XXXX on XX/XX/XXXX at XXXX XXXX at approx XXXX XXXX local. My next flight XXXX was scheduled to leave XXXX at XXXX XXXX on the XXXX. The credit card company asked me to contact the XXXX police which I did XX/XX/2019, XXXX Police ref # XXXX. In short the credit card companies Discover & XXXX  XXXX XXXX are billing me for unauthorized charges, I did not authorize three men posing as XXXX/taxi drivers to force me to give them me credit cards and steal the items. I am XXXX and the credit card companies Discover & XXXX  XXXX XXXX are charging me fees, late charges on the unauthorized charges and ruining my credit. I was deployed to XXXX beginning XX/XX/2019 and just came off of XXXX orders. Any help you can offer would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: LA
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:
XXXX financial deferred the payments in my business loan due to a financial hardship. It was then reported on my credit as XXXX late. I contacted XXXX and They apologized and sent me a letter from the CEO stating that they would work with the credit bureaus to correct the error. I forwarded that letter to the bureau to have it removed and They did not remove the 30 day later payment. I dont even think they looked at the letter I provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
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:
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Company: EQUIFAX, INC.
State: NY
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. 

Account name : XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TENET HEALTHCARE CORPORATION
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attache

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX   XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 
Nelnet took over this loan from XXXX XXXX XXXX XXXX   for two accounts. XXXX XXXX XXXX XXXX is still reporting as a duplicate when it should of been consolidated with Nelnet credit file. I was also forgiven on these loans earlier this year due to that I am XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Finance System of Richmond, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have a {$410.00} medical debt that has been on my credit report. I have attempted to dispute the debt multiple times and it still in my report. The debt listed is from a vehicle crash on duty. I was taken to the hospital and the incident was listed as a workers compensation case. The company I worked was emailed and they have acknowledged via email the debt is theres and they will pay it off upon receiving a bill. I myself and my ex employer did not receive a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-01-07
Company: EQUIFAX, INC.
State: LA
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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1.XXXX XXXX  - no balance is showing, limit of {$6000.00}, account partially listed - XXXX, date listed XX/XX/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 2023-01-20
Company: DISCOVER BANK
State: AZ
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:
Discover is not accepting my request for deletion and are not acknowledging Arizona 's Statutory limits. They are also going against Arizona 's Usury law of 10 %. The original debt was {$200.00} and is now {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: EQUITY RESOURCES, INCORPORATED
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I live in XXXX, Florida and in early XXXX XXXX, we were hit by hurricane XXXX. The area in which I live was declared a FEMA disaster area. I was advised that I could call my mortgage company XXXX Equity Resources , Inc XXXX and that I could have 90 days worth of payments deferred. I called equity resources and they confirmed that this was the case and that I would not receive collection calls and that before my next payment was due on XXXX/XXXX/XXXX that I would get a call from someone to check in and see if I needed an extension. 

I then received a letter in the mail stating I was in a forbearance period and it sounded as though I was going to have to pay the last 3 months of payments when the forbearance period ended. I called equity resources and was advised I was previously given the wrong information and that my payments were not being deferred. I was advised a guy named XXXX was handling my case and would need to call me back because he was not in the office. He advised me that I was in forbearance and my payments had not been deferred and that I could complete the paperwork I had received via email to see if I qualified for deferment or I could wait to be contacted before the 90 day period was up to further discuss. 

At XXXX roughly on XXXX XXXX, XXXX, I received a collection call, the collector never read the mini-Miranda and was wanting to know what I could pay. I advised her that I had been advised my loan would be deferred and that I would make my XXXX/XXXX/XXXX payment as planned. The call was made to my cell phone via an auto dialer. 

On XXXX XXXX, XXXX, I received a call where the person was checking into see if my forbearance period needed to be extended, I also told her I was under the impression my payments were deferred and that I would be making a payment on XXXX/XXXX/XXXX. She said she would submit the request for deferral and that I would hear back from someone in mid XXXX. Later that day I received another collection call from an auto dialer to my cell phone. I advised them of the conversation earlier in the day and they apologized and we ended the call. 

I also received auto-dialer collection calls on XXXX and XXXX where I once again advised the people of the situation and asked them to stop calling. On XXXX, I spoke with XXXX XXXX XXXX supervisor ) who said my account was never put in the right status and that I would no longer receive calls. She said on the call that the notes indicated that I had told each collector this each time they called. 

On XXXX/XXXX/XXXX, I received another auto dialer call to my cell phone from the same number ( XXXX ). This time, like every other time, when I answered the phone rang back to someone, this time, no one responded and after a few seconds the call was disconnected without the caller saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Civil action number for complaint of permanent injunction and other relief from company responsable to obtain documents of injured income to support outgoing relief of identity theft records of important documents of claims from business accounts affected in the Equifax data breach report. Log in issues causing phones to get password hacked change the last 4 digits with 2 combinations of the last 2 digits from ongoing complaints of phone hacking of identity theft phones of late payment dues of up going prices of XXXX claims of retail dealers consumer business hotels and business accounts from XXXX data breach causing hackers to loose data breach identity theft reports on Equifax consumer employee data breach hacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
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:
Wells Fargo was charging me for fees incorrectly

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 2023-01-20
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX  is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2020-12-25
Company: WAKEFIELD & ASSOCIATES, 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: Problem with personal statement of dispute

Complaint:
The account is unknow to me and the collector did not verify the account, please send me the original contract with my signature

Company response to consumer: Closed with explanation