BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: Army and Air Force Exchange Service
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On the evening of XX/XX/2019 I called the AAFES Military Star number to report I was a victim of identity theft and a Miltary Star Card was opened in my name. The representative refused to take any action to prevent charges on this card and refused to file a report. I was told to call the fraud department in the morning. I called the fraud office and they asked me to send an email which I did. I called back to confirm receipt but the AAFES representative initially refused to contact the fraud office. They promised I would receive a letter but I havent. AAFES has not taken any action and is guilty of malicious libel criminal negligence by allowing a fraudulent card to be opened and continued to be used and is breaking the law by not complying with Fair Credit Reporting Act.

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 2023-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent in prior disputes with XXXX, XXXX, and Equifax. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and CXXXX XXXX, XXXX, and Equifax have no reason to assume the request has not been from me considering all the information required to validate and initiate a request was included. I expect XXXX, XXXX, and Equifax to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: WLCC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter about a garnishment order for a debt from XXXX XXXX. I had wages garnished the same day I received the letter as that was a payday, with no opportunity to stop it. This happened XX/XX/XXXX. 

I called the number in the letter the same day. XXXX, who answered, told me this debt was an online loan made XXXX XXXX, XXXX. There is no record of collections on my credit report, or of this loan. XXXX told me I need to fax or email copies of my bank statements from XXXX XXXX to her company, Apex Servicing, and also file a police report of fraud and send that information. I have not and will not do either. However, my employer said they have to comply with wage garnishment orders and are not sure I will get my wages back. I have since researched both Apex Servicing and XXXX XXXX and found they have been reported to be fraudulent debt collectors. It's incredibly unjust they were able to have my wages garnished with no advance notice and with a false claim of debt owed by me. 

Also the email received says the loan agency is XXXX XXXX, contrary to what it says in the letter mailed that identified them as XXXX XXXX. They didn't even keep the loan agency name the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX of XXXX I purchased a timeshare in Florida using a promissory note. Which is a negotiable instrument that can be sold or transferred. I used XXXX XXXX XXXX resorts as a form of creating the note which XXXX has been collecting payments from me. But I am the original creditor to the note that was created, and or the original lender. XXXX also has opened an account in my name without my permission, and also sold, and or created securities on my behalf illegally without my permission, which federally is illegal and also against UCC and federal regulations, it is also a violation of my constitutional rights. I am requesting back all payment, including but not limited to all account balances and securities created.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2020-01-11
Company: Glasser and Glasser, PLC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has falsely reported a credit line of extension. 
The Bank has sold the alleged debt to a collections agency Glasser and Glasser as of XX/XX/XXXX The Bank has not provided any documents-emails, calls, letters from any branch in the amount of the debt {$10000.00} ( approximate ). 
The Bank has attempted to open a law suit on the alleged debt through XXXX without notification of the sale of this debt notice of sale Glasser and Glasser has furthermore not provided any communication on the any collections actions Under 15 USC 1692 ( e ) ( 8 ) request XXXX to be investigated for intentional non compliance and knowledge that its agents have violated FDCP statutes in XXXX and XXXX XXXX XXXX ( affirmative false representations and omissions of material facts to a third party collections agency ). 
Glasser and Glasser regularly collects debts as part of their business activities. 
It has threatened to collect on a charge off that has not been affirmed by the defendant or through the Bank with original signatures of the contract The harassment, illegal actions include vandalism of the property, stalking in XXXX. 
The Bank has from XX/XX/XXXX not responded to any requests for documents or communications. They have not responded to any mails. 

Please also include investigations into transfer of {$770.00} by XXXX XXXX XXXX without any notice in the mail or through email or call. 
Thereafter within, 30 days I received notice of private suit on a line of credit for {$10000.00} approximately opened in XXXX by the Bank through a third party collections agency ( XX/XX/XXXX XXXX   XXXX XXXX  ) Lawsuit in XXXX is further harassment impacting credit score and ability to obtain employment in XXXX and XXXX XXXX XXXX. The additional burdens of requiring lawyers who have the knowledge and ability to work on contingency has reduced my income and savings to below acceptable. The Bank has in various ways attempted to take private property and my access my 403 B on false grounds through harassment on the checking accounts and by alleging a false line of credit on card through fraudulent actions of bank employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 returned my leased vehicle to the dealership that I bought it from prior to my payment due date. This was because I fell upon financial difficulties. Honda finance told me if I returned the car that they would call it a repossession on my report. Until then I had never missed or been late on a payment and this was my fourth Honda. I disputed the dishonest claim of repossession and nothing has been done about it. This is extremely unfair and I feel that it should be labeled properly because nobody repossessed my vehicle. How can the lie be changed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
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 PA XXXX XXXX XXXX ) 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 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 2021-05-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX sold my loan in XXXX to XXXX. XXXX XXXX sent me a goodbye letter stating XXXX was my last payment. XXXX sent me a bill for XXXX. I paid XXXX for XXXX and called XXXX XXXX and the customer service rep said XXXX will notify us and everything will be ok, it takes time. XXXX comes around and I get a bill from XXXX XXXX  I called customer service and they said XXXX will notify us and everything will be ok, it takes time. In XXXX a manager called me and told me I need to pay XXXX XXXX for XXXX. So I paid.I now have 2 mortgage payments ( {$6000.00} ) for XXXX and nobody wants to take responsibility. 

In XXXX XXXX XXXX send me to the Credit Agencies for 30 days late with a {$0.00} balance. I paid the bill in XXXX and the rep said nothing was going to be reported. 

Neither company will take responsibility and keep, pointing the finger and their customer service is worthless.

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 2023-01-22
Company: Self Financial 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:
Re : Unauthorized Credit XXXX & XXXX XXXX error To Whom It May Concern, In XX/XX/2022, I received a copy of my credit report. The credit report showed a credit XXXX error by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an XXXX on my credit file, unless I have authorized it. Please have my fico score points restored back to my credit file where my fico score was before your error/mistake was made immediately, because it is making it very hard for me to acquire credit. 

I am also requesting that you request a rapid rescore on my behalf from XXXX. 

I have also sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you've restored my decreased fico score points. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thank you, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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 is missing that should be on the report

Complaint:
Despite 2 prior complaints filed with this agency, XXXX   continues to NOT include XXXX XXXX XXXX XXXX 25-year-old account on my credit report that has resulted in the inaccurate reporting of my credit file causing me to be denied credit. XXXX XXXX XXXX XXXX in their explanation stated that they report to all 3 bureaus monthly. XXXX, TRANSUNION, AND XXXX monthly. But None of them except, XXXX   seems to have this account listed. XXXX states that upon their inquiry to XXXX, they were told them that due to the account being suppressed, it was not showing but NOW it has been fixed. And, the problem NOW is with my last name. The last name issue was fixed directly with XXXX XXXX XXXX XXXX still, XXXX continues to not report this account. Now, I have been denied credit based on having a " Limited CREDIT HISTORY '' because the information being reported by XXXX   is incorrect.

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 2020-01-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On or about XX/XX/2019, as a result of a promotional offer of zero percent balance transfer, I applied for and received a XXXX XXXX card. At that time, I requested that a balance transfer of {$4500.00} be applied to my XXXX XXXX ( higher interest ) credit card. It did not get processed. Several weeks later I inquired regarding the status and learned that my request was never processed. At that time, the Customer Service Representative offered to put it though based on our phone call. I provided the requested information and assumed it would be done Several weeks later and after not seeing the transfer hit my XXXX XXXX account, I received my normal statement from XXXX XXXX regarding my ( low interest ) car loan. It became evident that somehow XXXX XXXX directed my balance transfer to my car loan account and not to my requested credit card account. 

Upon speaking with XXXX XXXX Customer Service, I was initially told that I must have provided the wrong account number and it was my mistake. Upon further checking Customer Service verified that they had the proper account number, but nevertheless could not determine how the mistake was made saying further, " that because the funds were already transferred and accepted by XXXX XXXX, they were powerless to do anything and that it was up to me to find a way to " fix '' the situation. '' Ultimately I asked that my call be escalated to a Manager, who essentially refused to acknowledge that the mistake was theirs, however, he indicated that my balance transfer fee would be refunded and the incurred interest, up to {$100.00} could be provided to me. The incurred interest at the time was an amount in excess of {$100.00}. XXXX XXXX has refused to accept any responsibility for their error and the balance transfer fee was not refunded. I would not accept an amount less than the incurred interest.

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 2018-12-11
Company: Navient Solutions, LLC.
State: MD
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 have been trying to get Navient to right their wrongs for years. Despite my trying to dispute the legitimacy of these loan for years, I decided to pay them off and fight it on the back end. Yet, Navient STILL continues to fraudulently report my loans to the credit bureau. On XX/XX/XXXX, I requested ( and was approved ) for a forbearance on loan " 3  ''. Then again on XX/XX/XXXX, I initially 2 payments to PAY OFF loans " 1 and 2 ''. On XX/XX/XXXX, I checked my credit report and it something to the effect of " between XX/XX/XXXX and XX/XX/XXXX, consumer missed 2 payment ( failed to pay off loan ) and is 120 days late '' and " Between XX/XX/XXXX and XX/XX/XXXX consumer filed dispute ''. BOTH statements are bold face lies and I paid OFF two loans and got a forbearance on the third, yet paid interest on this one ( during the forbearance period ). Navient continues this fraudulent practice of erroneously reporting negative statuses to credit agencies and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
i have written XXXX and Experian to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: WA
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, this credit reporting bureau XXXX has violated my rights.15 USC 1681 Sec.602 states that I have a right to privacy. 15 USC 1681 Sec. 604 ( a ) Sec.2 it also states that a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Will I have to make multiple reports or will you also see to it that the other credit reporting bureaus are also in compliance and are not equally guilty of violating my rights by doing so as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Self Financial Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XX/XX/XXXX

Company response to consumer: Closed with explanation